Quick picks
- Replies, short-pays and lump sums handled for you: Modern
- Cheapest automated reminders: Paidnice
- Local suite with credit and payments: ezyCollect
- Biggest review base and a managed service: Chaser
- Australian credit data built in: CreditorWatch Collect
- Free AR dashboards and a payments portal: Upflow
How we picked
We compared each tool on what slows cash for Australian businesses on Xero: who handles customer replies, whether lump-sum bank transfers get matched, ERP fit, credit data and published price. Prices are list prices from each vendor’s site, checked 6 November 2026. Modern makes one of the tools on this list, and we say where it falls short.
Xero invoice reminders: the free baseline
Xero sends up to five email reminders on one schedule for the whole organization, before or after the due date. They are free and on in minutes. They do not read replies, track promises, send texts or stop for part-paid invoices, so the work after the reminder stays with your team.
Modern: best when replies and matching eat the week
Modern is the AI accounts receivable coworker. It chases every customer by email, phone and text, reads replies, logs promises and disputes, and matches lump sums and short-pays without remittance, then posts them to Xero or whichever ERP you run. Your team approves first. Pricing: book a demo. Where it falls short: not the cheapest option for a small book, fewer public reviews than Chaser or Paidnice, and credit checks are coming soon.
ezyCollect: the local suite
Now part of Sidetrade, ezyCollect bundles reminders, a payments portal, payment plans and credit data, with connectors for Xero, MYOB, NetSuite, Pronto and more. Price: quote only, and SMS, payment plans and credit insights cost extra. Where it falls short: it writes back payments taken through its own portal, so bank transfers without remittance are still matched by hand.
Chaser: the biggest review base
Chaser has the largest review base on the Xero App Store (4.98 from 374 reviews) and a mature reminder engine with SMS and automated calls. Price: A$399 to A$1,799 a month by revenue, with a managed service from A$1,799. Where it falls short: replies show up, but your team still acts on them.
Paidnice: the lowest price
Paidnice starts at A$99 a month for 150 invoices, and its AI reads replies, records promises and flags disputes. It can add late fees in Xero. Where it falls short: Xero and QuickBooks only below its Custom plan, and payments match only when customers pay through its link.
CreditorWatch Collect: Australian credit data
Formerly Debtor Daddy, CreditorWatch Collect pairs reminders, a call queue and letters with CreditorWatch’s Australian credit data, and works with Xero, MYOB and QuickBooks. Price: quote only. Where it falls short: built around reminders and credit risk rather than reply handling or cash application.
Upflow: free dashboards and a payments portal
Upflow has a free plan for AR dashboards and its own branded payments portal; paid plans are quote only, tiered by revenue. Its Cash App Agent reads remittances and payments that cover many invoices, but Upflow lists it for NetSuite and Sage Intacct, not Xero. Where it falls short for Xero teams: no cash application on Xero, and we found no Australian Xero App Store listing.
Satago: invoice finance included
Satago combines chasing, credit checks and invoice finance, from £45 a month. Where it falls short: UK-focused and priced in pounds, with no NetSuite connector listed.
Trove: AI replies on a budget
Trove’s AI Reply Agent sets expected payment dates from replies and pauses reminders, from A$125 a month on the Xero App Store. Where it falls short: NetSuite only on its top plan, and it does not describe matching lump-sum payments.
Kolleno: an order-to-cash platform
Kolleno bundles disputes, credit monitoring and a customer portal, from 545 per user a month (currency not stated). Where it falls short: auto reconciliation and NetSuite sit on its Enterprise plan.
