vs
Xero sends the reminder. Modern does what comes next.
Xero emails customers on one schedule, up to five times. Modern reads the replies, logs promises, chases by phone and text, and matches the payment when it lands.
Modern vs Xero invoice reminders: the key differences
| Feature | | Xero reminders |
|---|---|---|
| Cost | ×Priced on volume, book a demo |  Included in your Xero plan |
| Setup | Set up with you, approvals first | On in minutes, three default reminders |
| Reminder schedule | Cadence per customer, tone per account | Up to 5 emails, one schedule for all |
| Channels | Email, phone and text | ×Email only |
| Customer replies | Read, answered and logged for approval | ×Land in one inbox, unread by Xero |
| Promises to pay | Logged from replies, chasing pauses | ×Tracked by hand |
| Part-paid invoices | Chases the balance, notes the payment | ×Keeps reminding unless turned off |
| Disputes | Paperwork gathered, routed to the right person | ×Not handled |
| Matching payments | Lump sums and short-pays matched, posted to Xero | ×Find & Match by hand |
| Approval before sending | Your team approves first | ×Sends automatically, 4am to 8am |
| Where Xero wins | ×Not free, and a new tool to learn | Free, native, nothing to switch |
Xero sends the reminder. Modern handles the reply, the promise and the payment.
Xero details from Xero Central help articles on invoice reminders and batch deposits, checked 6 Nov 2026.
Reads every reply
Xero sends the email and stops there. Modern reads every reply, logs promises and disputes, and pauses chasing when a customer commits.
Matches the payment
When payment lands, Modern matches lump sums and part payments to the right invoices and posts them back to Xero the same day.
Your team approves first
Nothing reaches a customer without your sign-off at first. Keep Xero reminders for small accounts and let Modern run the rest.
Live in days. DSO moving by day 90.
How the switch from Xero reminders plays out
Step 1: Week 1
Modern connects to Xero, imports open invoices and contacts, and maps your current reminder schedule.
Step 2: Day 7 to 30
Chasing live with approvals on. Turn Xero reminders off for the customers Modern handles.
Step 3: Day 60
Replies, promises and part payments handled. Your team sees only the exceptions.
Step 4: Day 90
DSO measured against your baseline. Keep Xero reminders for small accounts if you like.
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FAQs
Frequently
Asked Questions
Can’t find what you’re looking for? Send us a message and a person on the team will answer.
Turn them on under Sales, Invoices, Invoice Reminders. Xero emails customers on a schedule you set, before or after the due date, for every invoice marked as sent. One schedule covers the whole organization, and Xero sends them once a day between 4am and 8am.
Up to five. Xero adds three defaults at 7, 14 and 21 days overdue, and you can add two more or move them before the due date. Each one is an email. There is no text, phone call or per-customer schedule.
They send emails and stop there. Replies go to one user’s inbox and Xero does not read them, so promises to pay and disputes are tracked by hand. Reminders do not pause for a promise, escalate to a call or match the payment when it arrives.
No. Xero keeps reminding about the balance until the invoice is paid in full, and its own help suggests turning reminders off for part-paid invoices. On a large book, someone has to remember that for every account, every week.
Yes. Xero announced Payment Follow Ups, powered by JAX, in July 2026: collection plans per customer that can switch to text. It was not generally available when we checked in November 2026.
When the work after the reminder takes longer than the reminder: the AR inbox needs a person every morning, promises live in a spreadsheet, part-paid invoices still get chased and lump sums sit unmatched.
Modern reads open invoices and contacts from Xero, chases each customer by email, phone and text on your cadence, reads every reply and logs promises and disputes. When payment arrives it matches it and posts it back to Xero. It works the same way with any other ERP.
If a few dozen customers mostly pay on time, Xero’s reminders are free and good enough. If you have hundreds of trade accounts, a credit controller living in the inbox or payments matched by hand, 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.
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Manual AR bleeds cash one invoice at a time
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