Quick Overview
- 1#1: Chaser - Automates accounts receivable with intelligent payment reminders, collections, and cash flow forecasting.
- 2#2: QuickBooks Online - Cloud-based accounting software that sends automated invoice reminders and tracks overdue payments.
- 3#3: Xero - Online accounting platform with customizable payment reminders via email and integrations for faster collections.
- 4#4: FreshBooks - User-friendly invoicing tool that automates late payment reminders and payment chasing workflows.
- 5#5: Zoho Books - Comprehensive accounting software featuring automated recurring reminders for overdue invoices.
- 6#6: Bill.com - AP and AR automation platform that handles payment approvals and sends reminder notifications.
- 7#7: Wave - Free invoicing and accounting app with built-in automated payment reminders for small businesses.
- 8#8: Invoice Ninja - Open-source invoicing solution with flexible email and SMS reminders for unpaid invoices.
- 9#9: ZipBooks - Simple accounting software that automates invoice reminders and provides payment tracking.
- 10#10: Bonsai - Freelancer CRM and invoicing tool with automated payment reminder sequences and contracts.
We selected and ranked these tools based on features like automation depth, customization, ease of use, and value, ensuring they deliver reliable, user-friendly performance across diverse business needs.
Comparison Table
Navigating the best payment reminder software can be challenging, so this comparison table simplifies the process by evaluating tools like Chaser, QuickBooks Online, Xero, and FreshBooks. It breaks down key features to help identify which solution aligns with your business size, workflow, and automation needs. Readers will gain clarity on pricing, integration capabilities, and user-friendliness to make an informed choice.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Chaser Automates accounts receivable with intelligent payment reminders, collections, and cash flow forecasting. | specialized | 9.6/10 | 9.8/10 | 9.3/10 | 9.4/10 |
| 2 | QuickBooks Online Cloud-based accounting software that sends automated invoice reminders and tracks overdue payments. | enterprise | 8.2/10 | 8.5/10 | 8.8/10 | 7.5/10 |
| 3 | Xero Online accounting platform with customizable payment reminders via email and integrations for faster collections. | enterprise | 8.2/10 | 8.5/10 | 8.0/10 | 7.5/10 |
| 4 | FreshBooks User-friendly invoicing tool that automates late payment reminders and payment chasing workflows. | specialized | 8.2/10 | 8.5/10 | 9.0/10 | 7.5/10 |
| 5 | Zoho Books Comprehensive accounting software featuring automated recurring reminders for overdue invoices. | enterprise | 7.8/10 | 8.2/10 | 8.5/10 | 7.5/10 |
| 6 | Bill.com AP and AR automation platform that handles payment approvals and sends reminder notifications. | enterprise | 8.2/10 | 8.5/10 | 8.0/10 | 7.5/10 |
| 7 | Wave Free invoicing and accounting app with built-in automated payment reminders for small businesses. | other | 8.2/10 | 7.5/10 | 9.2/10 | 9.5/10 |
| 8 | Invoice Ninja Open-source invoicing solution with flexible email and SMS reminders for unpaid invoices. | specialized | 8.2/10 | 8.5/10 | 7.4/10 | 9.1/10 |
| 9 | ZipBooks Simple accounting software that automates invoice reminders and provides payment tracking. | other | 7.8/10 | 7.5/10 | 8.7/10 | 8.2/10 |
| 10 | Bonsai Freelancer CRM and invoicing tool with automated payment reminder sequences and contracts. | specialized | 7.6/10 | 7.2/10 | 8.5/10 | 7.0/10 |
Automates accounts receivable with intelligent payment reminders, collections, and cash flow forecasting.
Cloud-based accounting software that sends automated invoice reminders and tracks overdue payments.
Online accounting platform with customizable payment reminders via email and integrations for faster collections.
User-friendly invoicing tool that automates late payment reminders and payment chasing workflows.
Comprehensive accounting software featuring automated recurring reminders for overdue invoices.
AP and AR automation platform that handles payment approvals and sends reminder notifications.
Free invoicing and accounting app with built-in automated payment reminders for small businesses.
Open-source invoicing solution with flexible email and SMS reminders for unpaid invoices.
Simple accounting software that automates invoice reminders and provides payment tracking.
Freelancer CRM and invoicing tool with automated payment reminder sequences and contracts.
Chaser
specializedAutomates accounts receivable with intelligent payment reminders, collections, and cash flow forecasting.
AI-powered intelligent chasing that predicts payment behavior and automates partial payment matching and escalations
Chaser is an automated accounts receivable (AR) platform designed to streamline payment reminders and cash flow management for businesses. It automates personalized email and SMS reminders for overdue invoices, integrates seamlessly with accounting software like Xero, QuickBooks, and Sage, and offers debtor portals for self-service payments. With AI-driven workflows and real-time analytics, Chaser helps reduce days sales outstanding (DSO) by up to 50% while minimizing manual chasing efforts.
Pros
- Fully automated, multi-channel reminders (email, SMS, WhatsApp) with customizable templates
- Deep integrations with 50+ accounting and ERP systems for seamless data sync
- Advanced analytics and forecasting for proactive cash flow management
Cons
- Pricing can escalate quickly for larger teams or high invoice volumes
- Advanced customization requires initial setup time and expertise
- No built-in invoicing; relies on integration with external accounting tools
Best For
Mid-market businesses and finance teams seeking to automate AR collections and reduce overdue payments without a steep learning curve.
Pricing
Starts at $49/user/month for basic plans, with custom enterprise pricing based on invoice volume and features (free trial available).
QuickBooks Online
enterpriseCloud-based accounting software that sends automated invoice reminders and tracks overdue payments.
Automated overdue invoice reminders that trigger based on customizable aging rules and integrate directly with customer payment histories
QuickBooks Online is a cloud-based accounting software that excels in comprehensive financial management, including automated payment reminders for overdue invoices. It allows users to send customizable email reminders, track payment statuses, and generate statements directly from the invoicing module. While not a standalone reminder tool, its integration with full accounting features streamlines the entire accounts receivable process for businesses.
Pros
- Seamless integration with invoicing and accounting for end-to-end payment tracking
- Automated email reminders with customizable templates and schedules
- Real-time dashboards to monitor overdue payments and customer details
Cons
- Higher cost compared to dedicated payment reminder tools
- Overkill for businesses needing only basic reminders without full accounting
- Reminder customization options are somewhat limited without add-ons
Best For
Small to medium-sized businesses already using QuickBooks for accounting that want integrated automated payment reminders.
Pricing
Plans start at $30/month (Simple Start, limited reminders) up to $200/month (Advanced); core reminder features in Essentials ($60/month) and above.
Xero
enterpriseOnline accounting platform with customizable payment reminders via email and integrations for faster collections.
Fully integrated automated reminder workflows tied to live invoicing and bank feeds
Xero is a comprehensive cloud-based accounting software that includes automated payment reminder features for overdue invoices, allowing users to set schedules, customize templates, and track payment status. It streamlines collections by integrating reminders directly with invoicing, banking, and reporting tools. While not a standalone reminder app, it excels in end-to-end financial workflows for small businesses.
Pros
- Seamless integration with invoicing and accounting for full visibility
- Automated multi-stage reminders with customizable templates and schedules
- Real-time tracking and reporting on overdue payments
Cons
- Overkill and expensive for users needing only reminders (starts at $20/month)
- Setup requires familiarity with Xero's broader platform
- Limited standalone reminder customization compared to dedicated tools
Best For
Small to medium businesses already using Xero for accounting who want integrated automated payment reminders.
Pricing
Plans start at $20/user/month (Starter) up to $70+/user/month (Premium), billed annually; reminders available across all tiers.
FreshBooks
specializedUser-friendly invoicing tool that automates late payment reminders and payment chasing workflows.
Smart automated reminders that trigger based on invoice status with customizable sequences and snooze options
FreshBooks is a comprehensive cloud-based accounting platform that excels in invoicing and includes robust payment reminder features for small businesses. It allows users to automate late payment reminders, customize email templates, and schedule multiple follow-ups based on invoice due dates. While not a standalone reminder tool, its integration with invoicing, payments, and reporting makes it a solid choice for managing overdue payments efficiently.
Pros
- Automated and customizable late payment reminders with multiple follow-up schedules
- Seamless integration with invoicing, payments via Stripe/PayPal, and expense tracking
- User-friendly interface with professional email templates and reminder history tracking
Cons
- Primarily an accounting suite, so payment reminders are just one feature amid broader tools
- No free plan or standalone reminder option; requires paid subscription
- Limited advanced customization for reminders compared to dedicated tools
Best For
Small business owners and freelancers who need integrated invoicing with automated payment reminders.
Pricing
Starts at $19/month (Lite plan, billed annually) up to $60/month (Premium); no free tier.
Zoho Books
enterpriseComprehensive accounting software featuring automated recurring reminders for overdue invoices.
Multi-level automated reminder sequences that trigger progressively for overdue invoices without manual intervention
Zoho Books is a cloud-based accounting software that includes automated payment reminder features to help businesses chase overdue invoices efficiently. Users can configure customizable email reminders with multiple stages based on overdue periods, such as 1, 7, or 30 days past due. It tracks reminder history, integrates with payment gateways for seamless collections, and provides reporting on payment performance.
Pros
- Automated multi-stage reminders with easy scheduling
- Customizable templates and detailed tracking reports
- Seamless integration with invoicing and payment gateways
Cons
- SMS reminders require additional Zoho credits or integrations
- Full reminder features locked behind paid plans
- Not a standalone tool; best within Zoho ecosystem
Best For
Small to medium businesses using Zoho Books for accounting who need integrated invoice chasing.
Pricing
Free for basic use (limited to 1,000 invoices/year); paid plans start at $20/org/month (Standard) up to $240/org/month (Ultimate), billed annually.
Bill.com
enterpriseAP and AR automation platform that handles payment approvals and sends reminder notifications.
Customizable multi-stage payment reminder automation with customer-specific schedules and payment links
Bill.com is a comprehensive AP/AR automation platform that enables businesses to create, send, and track invoices while automating payment reminders for overdue accounts. It streamlines collections through customizable reminder schedules, online payment portals, and integration with accounting software. While powerful for full financial workflows, it excels in reducing DSO via proactive AR management.
Pros
- Robust automated reminders with escalation workflows
- Seamless integrations with QuickBooks, Xero, and NetSuite
- Secure ACH, credit card, and international payment options
Cons
- Pricing is higher than dedicated reminder-only tools
- Overkill for businesses needing just basic reminders
- Learning curve for non-accounting users
Best For
Mid-sized businesses handling high invoice volumes that need integrated AP/AR automation beyond simple reminders.
Pricing
Starts at $49/user/month (Essentials), $69/user/month (Team), $89/user/month (Corporate), custom Enterprise; billed annually.
Wave
otherFree invoicing and accounting app with built-in automated payment reminders for small businesses.
Fully automated, customizable email reminders tied directly to a free invoicing and accounting suite
Wave is a free cloud-based accounting platform that includes invoicing tools with built-in automated payment reminders for overdue invoices. It allows users to set up customizable email reminder schedules, such as notifications after 1, 7, or 14 days past due, directly from the dashboard. Primarily designed for small businesses, it combines reminders with accounting, payments, and reporting features for streamlined financial management.
Pros
- Completely free for core invoicing and reminder features
- Intuitive interface with quick setup for automated reminders
- Seamless integration with accounting and payment processing
Cons
- Limited to email reminders only (no SMS or other channels)
- Basic customization options compared to dedicated reminder tools
- Transaction fees apply for card payments (2.9% + $0.30)
Best For
Small businesses and freelancers seeking simple, cost-free invoice reminders integrated with basic accounting.
Pricing
Free for invoicing, reminders, and accounting; payment processing fees of 2.9% + $0.30 per credit card transaction (free for ACH).
Invoice Ninja
specializedOpen-source invoicing solution with flexible email and SMS reminders for unpaid invoices.
Fully open-source self-hosted deployment with unlimited reminders and no usage limits
Invoice Ninja is a versatile open-source invoicing platform designed for freelancers and small businesses, featuring robust automated payment reminder tools to chase overdue invoices efficiently. Users can customize reminder schedules, email templates, and grace periods, while integrating with gateways like Stripe and PayPal for seamless payments. It also includes client portals, recurring billing, and detailed payment tracking, making it a comprehensive solution beyond just reminders.
Pros
- Free self-hosted version with full features
- Customizable multi-stage payment reminders
- Integrates with major payment processors
Cons
- Self-hosting requires technical setup
- User interface feels dated
- Advanced features locked behind paid cloud plans
Best For
Freelancers and small businesses seeking a cost-effective, self-hosted invoicing tool with strong automated reminder capabilities.
Pricing
Self-hosted: Free; Cloud plans start at $14/user/month (Pro) up to $30/user/month (Enterprise).
ZipBooks
otherSimple accounting software that automates invoice reminders and provides payment tracking.
Automated multi-stage reminder sequences that trigger based on invoice due dates and integrate directly with profitability tracking
ZipBooks is an all-in-one accounting platform that includes robust payment reminder functionality through automated email notifications for overdue invoices. Users can set up customizable reminder schedules, track payment statuses, and integrate reminders seamlessly with invoicing and bookkeeping tools. While not exclusively a payment reminder tool, it excels in simplifying collections for small businesses by combining reminders with financial reporting and profitability insights.
Pros
- Free plan includes basic automated payment reminders
- Seamless integration with invoicing and accounting features
- Intuitive dashboard for tracking overdue payments
Cons
- Limited advanced customization for reminder templates and schedules
- Full automation and reporting require paid upgrades
- Lacks specialized debt collection workflows compared to dedicated tools
Best For
Small businesses and freelancers seeking simple, integrated payment reminders within everyday accounting tasks.
Pricing
Free starter plan; Smarter plan at $15/user/month, Sophisticated at $30/user/month, and Accountant at $50/user/month.
Bonsai
specializedFreelancer CRM and invoicing tool with automated payment reminder sequences and contracts.
End-to-end workflow linking e-signed contracts directly to invoiced payments with automated reminders
Bonsai is an all-in-one freelance management platform that includes invoicing with automated payment reminders to help users collect payments efficiently. It allows customization of reminder schedules for overdue invoices, sending polite nudges via email with payment links. While not a standalone reminder tool, it integrates reminders seamlessly into proposals, contracts, and time tracking workflows. This makes it suitable for freelancers handling end-to-end client billing.
Pros
- Automated and customizable payment reminder schedules tied to invoices
- Seamless integration with proposals, contracts, and payments via Stripe/PayPal
- User-friendly interface with mobile app support for quick invoice management
Cons
- Not a dedicated payment reminder tool, requiring full invoicing setup
- Pricing tiers limit clients on lower plans, which may not suit scaling users
- Limited advanced customization or analytics focused solely on reminders
Best For
Freelancers and small agencies needing payment reminders as part of comprehensive client and billing management.
Pricing
Starts at $17/month (Essentials, 5 clients), $32/month (Hustler, 50 clients), $55/month (Professional, unlimited); annual billing discounts available.
Conclusion
The ten reviewed tools present varied approaches to managing payments, with Chaser emerging as the top choice for its strong automation, collections, and cash flow tracking capabilities. QuickBooks Online excels with its cloud-based design and comprehensive invoice reminders, while Xero stands out due to its customizable workflows and integrations, making them excellent alternatives for different business needs. Regardless of the tool chosen, each simplifies the payment reminder process, ensuring smoother financial operations.
Take control of your receivables—try Chaser first to experience automated, efficient reminders that keep your cash flow consistent and your business running smoothly.
Tools Reviewed
All tools were independently evaluated for this comparison