Paidnice enforces your terms. Modern collects the cash.

Paidnice is accounts receivable automation for Xero and QuickBooks. It sends email and SMS reminders and statements, adds late fees and interest, offers early-payment discounts, runs a customer payment portal and uses AI to read replies. It is a small, bootstrapped team across New Zealand, Australia and Portugal, and was Xero's Global Small Business App of the Year for 2025.

Essentials is A$99 a month for 150 invoices and 2 users. Pro runs from A$139 a month for 300 invoices to A$1,199 for 4,000, with unlimited users. Custom starts at US$999 a month. SMS costs A$0.15 a message and each extra entity A$39 a month. Plans are month to month, and the first 20 actions are free.

Modern is priced on your business volume, with no setup fee and no cut of what you collect. You start with a 3-month pilot, guided by a forward deployed engineer, then move to a 12-month agreement. Book a demo for a quote against your AR aging.

Not on its published plans. Essentials and Pro connect to Xero and QuickBooks Online, one organization per plan. NetSuite, Dynamics 365, Business Central and Sage Intacct come with Custom, from US$999 a month. MYOB isn't listed. Modern works with any ERP, including MYOB, NetSuite, SAP and Pronto.

Yes. It reads customer replies, logs promised payment dates and drafts the next step for your approval, and it connects to Claude or ChatGPT on Pro. Calls are made by your team from Paidnice, then transcribed and summarized. Calling is in early access and limited to Australia, New Zealand, the UK and Canada.

Paidnice writes back Stripe payments made through its portal. Payments through other providers, and bank transfers paid outside Paidnice, are still matched by hand in your ledger. Modern matches lump sums, short-pays and payments without remittance to the right invoices and posts them to your ERP.

Yes. Modern takes over every account, from the first reminder to the last payment, and applies late fees and interest when your policy sets them, so each customer hears from one place. Paidnice is month to month, so you can switch it off once Modern is live.

If you run Xero or QuickBooks, mostly need reminders and late fees, and want a low published price, Paidnice is good value. If you have hundreds of trade accounts, run MYOB or another ERP, or lose days to calls, disputes and lump-sum payments, Modern does that work.

Your data is encrypted and never sold. We use it only to run your AR workflows and improve results for your account. Our data governance policies strictly prohibit using it for anything other than serving you.