Overview
🏆 2026 Winner Xero NZ Small Business App of the Year
🏆 2025 Winner Xero Global Small Business App of the Year
Trusted to collect $1 billion on time, across 1 million invoices on Xero (and counting).
Paidnice is award-winning accounts receivable automation and credit control AI for Xero.
You set your terms once. Paidnice applies them to every invoice: reminders, statements, late fees and interest, payment plans and escalation. Credit control and debtor management, run for you, so you can run a consistent, best practice collections process on every invoice.
Built for credit controllers, finance leaders and business owners who are tired of chasing invoices manually and being the one to send the awkward email. Paidnice replaces that conversation with professional, automated workflows that turn collections into a positive customer experience.
Live in under 15 minutes. Results in under 30 days.
Customers see half as many late invoices in the first 30 days, and 8 in 10 invoices paid on time within 90 days.
AI that follows through on every reply. Paidnice records payment promises in Xero, holds reminders until the promised date and drafts your reply. PO numbers in a reply go straight onto the Xero invoice. Disputes come to you with the reason found and a fix ready to approve.
Late fees and interest, applied automatically (and correctly). Fees and interest post to Xero with the right income account and tax, so they land in your customer's payables like any other bill. Interest runs only on what is unpaid, and UK statutory interest tracks the Bank of England base rate.
Easy to pay. Hard to ignore. Customers pay invoices and full statement balances in your branded portal, or set up their own payment plan. Accounts that stay unpaid escalate to a call, a credit hold or a letter before action for you to handle.
Connect your favourite AI tools. Bring Claude, ChatGPT and other AI agents into your credit control with the Paidnice MCP server.
And everything else you expect from an award-winning Xero app partner:
- 📩 Email and SMS reminders from your own domain
- 📊 Scheduled statements by email or post
- 🏢 Parent and sub-customer statements: one statement, one payment
- 🧾 PO number updates: requested, added in Xero and resent
- 📅 Late fees, interest and prompt payment discounts
- 💰 Payment plans with instalment tracking
- 💳 Stripe payments, reconciled to Xero
- 🌍 Branded customer portal: pay invoices and statements 24/7
- 👥 Customer groups and contact routing: pick exactly who gets what
- 🛡️ Safe Mode to test every policy before anything goes live
- 📈 Real-time AR dashboards: DSO, ageing, collection effectiveness
- 🔒 Data security: AES-256 encryption, 2FA, annual pen tests.
- ∞ Unlimited templates, no contracts.
We're a small, bootstrapped team. Support from the people who built it, in your time zone.
"It's the best service I've had from anyone in years." Anna H., Xero App Store
Paidnice + Xero
Your payment terms, enforced on every Xero invoice.
- Two-way instant sync. Changes in Xero show in Paidnice instantly, and every action in Paidnice updates Xero.
- Multi-entity, from one account. Run several Xero organisations, with reporting across all of them.
- No lock-ins. No migration, no contracts.
- Fair pricing. Priced by invoice volume, not by your revenue.
- Credit control and debtor management, run for you.
Written back to Xero: late fees and interest, promised payment dates, PO numbers, approved contact updates from customer replies, notes and call outcomes, and every portal payment.
📩 Reminders from your own domain. Email and SMS with unlimited sender profiles: early reminders from accounts@, later ones from a named credit controller or director.
👥 Contact routing and exclusions. Invoices go to the AP inbox, reminders and statements to the person you deal with. Freeze a contact or exclude one disputed invoice.
📅 Late fees and interest. Per-invoice fees or statement interest on the whole balance: flat, percentage or compounding, with UK fixed compensation.
🤖 AI accounts receivable and credit control. Paidnice reads every reply, records promises and PO numbers in Xero, drafts the response and finds the reason behind a dispute.
📥 Full receivables inbox. Every email and two-way SMS reply lands against the right customer. Promises, queries and disputes sit in one place, so you can work it all inside Paidnice.
✅ Approval workflows. Run a policy in Draft to approve each action, or Active to send on schedule. Pre-approve the AI actions you trust.
📊 Statements your way. Outstanding or activity statements, by email or post, with a Pay now link and ageing in customisable 30/60/90-day buckets. Designed by prompt, sent as PDF, Excel or CSV.
🏢 Parent and sub-customers. One parent statement, portal view and payment for a group.
💰 Payment plans. Split any Xero invoice into instalments. Customers can set up their own plan, and Stripe Autopay collects each instalment.
💳 Portal and Stripe payments. Customers pay several invoices at once by card, ACH, BACS or direct debit, and every payment reconciles to Xero.
🔔 Escalations. Trigger on days overdue, balance or a credit limit breach. Assign a call, a credit stop or a legal letter, which Paidnice can print and post.
🧾 Quote reminders. Xero quotes followed up until accepted.
📈 Credit scores and cash forecasts. Each customer gets a 0 to 100 score from how they pay, and Paidnice forecasts the cash landing each week.
🔌 MCP server and public API. Connect Claude, ChatGPT or any other AI agent.
🔁 Slack, Teams, Zapier and your CRM. Alerts in Slack, Teams or Google Chat. Webhooks, Zapier and Make connect thousands of apps, and we build the Zap for you. Emails log to HubSpot, Salesforce or Pipedrive by BCC.
Getting started
Live on Xero in under 15 minutes, or we'll set it up with you.
1. Sign up free with your Xero account. The connection takes 30 seconds. No credit card, and your first 20 actions are free. Invoices, contacts and payment data sync straight away.
2. Add your sender profiles. Reminders come from your own domain, with the name your customers know, and every reply lands back in Paidnice. (Pro and above.)
3. Choose your policies. Start from proven defaults or build your own: late fees, interest, reminder templates, statement timings, payment plans and escalations. Apply them to every customer or only to specific groups.
4. Decide what needs approval. Keep a policy in Draft to approve each action, or set it Active to send on schedule. Pre-approve the AI replies you trust.
5. Test in Safe Mode. Run a real Xero invoice through Paidnice and see exactly what each customer would receive, with nothing sent. Adjust the timing, wording and fees until they suit your business.
6. Switch off Safe Mode and you're live. Paidnice applies your rules to every Xero invoice in the background. You'll see the impact in your dashboard within days.
Connect your AI tools (optional). In Paidnice, open Settings > Advanced > API & MCP and copy the server address. Add it as a custom connector in Claude or ChatGPT, sign in and choose your organisations. It takes about two minutes, with no API key to copy. Pro and Custom plans.
Need a hand? Book a free 30-minute setup call. We'll map your collections process to Paidnice policies, set the right late fee structure for your industry and answer anything as you go. No upsell. No setup fees.
Same-day support, in your time zone. Once you're live, our small expert team is here for you. Most questions get a same-day answer, often within hours. We're based across NZ, AU and Portugal, so someone is usually online when you need us.
Resources to help you get more out of Paidnice:
- Help Centre: help.paidnice.com
- API and MCP docs: docs.paidnice.com
- Video tutorials: YouTube, search "Paidnice"
- Free 30-minute onboarding
- Live chat inside the app
Still have questions? Skip the sales team and book a call with one of our founders.
Reviews & ratings
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Most recent reviews
Great product!
IBResponse from Paidnice
WFStatement Automations + Late Interest calculations
Response from Paidnice