The 13 Best Xero Debt Collection Integrations in 2026

Chasing overdue invoices is a time-consuming task that drains resources and stifles cash flow. Integrating a dedicated debt collection tool with Xero automates the process, allowing you to get paid faster without manual follow-up. This article breaks down the 13 best Xero debt collection integrations available in 2026 to help you strengthen your accounts receivable management.

1. Chaser

Chaser is renowned for its highly personalized and polite approach to invoice chasing, which helps maintain strong customer relationships. It syncs seamlessly with Xero to send automated payment reminders that look and feel as though they were sent directly by you, not a machine. The platform gives you complete control over the timing, frequency, and messaging of reminders, while its receivable-specific CRM allows you to track all communication in one place.

• Pros:
  • Human-like, customizable reminder templates.
  • Dedicated receivable CRM for viewing communication history.
  • Detailed analytics on chaser performance and debtor payment habits.
  • Seamless integration with third-party collections agencies.
• Cons:
  • Pricing is toward the higher end for small businesses.
  • The interface can feel complex during initial setup.
  • Some advanced features are locked behind more expensive tiers.
• Pricing:
  • Plans typically start around $40 per month for basic features.
  • More advanced plans with payment portals and deeper integrations can exceed $150 per month.
  • Offers a free trial period.

Who it's best for: Businesses focused on preserving customer relationships while automating their accounts receivable with a human touch.

2. Debtor Daddy

Debtor Daddy combines automation with optional human-to-human collection calls, offering a flexible solution for businesses that need more than just email reminders. The software automates follow-ups until a payment is made or a response is received, at which point your team can take over. For tougher cases, you can escalate accounts to Debtor Daddy's professional collection specialists directly within the app.

• Pros:
  • Hybrid model combines workflow automation with optional collection call services.
  • Stops automatic reminders once a customer replies, preventing awkward interactions.
  • Prioritizes which debtors to call based on account size and age.
  • Clear reporting on debtor status and collection progress.
• Cons:
  • The collection call service adds significant cost.
  • Configuration of collection workflows can be less intuitive than some competitors.
  • Base plans have limits on the number of invoices you can actively manage.
• Pricing:
  • DIY automation plans start around $25 per month.
  • Full-service plans combining software and collection calls are quote-based but often start over $300 per month.

Who it's best for: Companies that want automated reminders for most invoices but hands-on, professional support for escalating difficult accounts.

3. Satago

Satago is a comprehensive cash flow management platform that bundles automated invoice reminders, risk insights, and flexible invoice financing into one solution. Its integration with Xero pulls in your AR data not only to chase payments but also to run credit checks on customers, helping you avoid bad debt before it happens. If you need cash fast, you can finance individual invoices directly through the platform.

• Pros:
  • All-in-one platform for collections, risk analysis, and invoice financing.
  • Provides credit scoring and monitoring for your customers.
  • Customizable multi-step reminder workflows.
  • Simple, user-friendly interface.
• Cons:
  • Invoice financing fees can be higher than traditional options.
  • The core focus is broader than just collections, which may be more than some users need.
  • Regional limitations on some features, particularly financing.
• Pricing:
  • Often offers a free plan with basic credit checking and invoice chasing.
  • Premium plans with advanced features start around £50 per month.

Who it's best for: Businesses that want an integrated approach to cash flow, including proactive risk management and access to invoice financing.

4. Upflow

Upflow is built for B2B finance teams who need a powerful, collaborative platform to manage their accounts receivable. It focuses on systematic workflows and clear analytics, helping teams track key metrics like Days Sales Outstanding (DSO) and collector performance. The platform allows you to segment customers and assign specific collection workflows, ensuring the right approach for every account.

• Pros:
  • Excellent for team collaboration with task assignments and analytics.
  • Sophisticated reporting on AR aging, DSO, and predicted cash flow.
  • Highly customizable, multi-channel reminder sequences (email, SMS, call reminders).
  • Offers a payments portal for customers to pay multiple invoices at once.
• Cons:
  • Can be overkill for very small businesses or sole proprietors.
  • Higher starting price point compared to simpler tools.
  • Setup requires a thoughtful approach to workflow and customer segmentation.
• Pricing:
  • Pricing is quote-based, scaling with the volume of invoices and features, generally starting from a few hundred dollars per month.

Who it's best for: Growth-stage and established B2B companies that need a collaborative, data-driven system to manage a high volume of receivables.

5. Kolleno

Kolleno uses machine learning to optimize collection strategies, learning which communication types and timings work best for different customers. Beyond standard automated reminders, it provides features like payment portals, dispute management, and cash reconciliation. The platform is designed to handle complex AR scenarios and high-volume reconciliation needs with minimal human input.

• Pros:
  • AI-driven suggestions to optimize collection timing and messaging.
  • Automated cash sales and a customer payments portal.
  • Advanced features for payment reconciliation and dispute resolution.
  • User-friendly dashboard with clear performance indicators.
• Cons:
  • The AI features require a significant amount of data to become truly effective.
  • More expensive than many other AR automation tools.
  • Can feel overly complex for businesses with straightforward collection needs.
• Pricing:
  • Custom pricing based on business size and needs; typically targeted at mid-market companies.

Who it's best for: Tech-forward businesses managing a large volume of transactions that can benefit from machine learning and deep automation.

6. GoCardless

While primarily a payment gateway for bank-to-bank ACH/Direct Debit payments, GoCardless is an exceptional tool for proactively preventing late payments. By integrating it with Xero, you can set customers up on automated recurring payment plans, pulling funds directly on the invoice due date. Its Success+ feature also intelligently retries failed payments, further reducing payment failures without manual intervention.

• Pros:
  • Automates payment collection on due dates, an effective prevention tool.
  • Success+ feature automatically retries failed payments at optimal times.
  • Lower transaction fees compared to credit cards for large B2B payments.
  • Reduces administrative work associated with chasing payments.
• Cons:
  • Not a traditional "debt collection" tool with reminder sequences.
  • Requires customer authorization to set up direct debit mandates.
  • Bank payment processing times can be slower than cards (1-3 days).
• Pricing:
  • Transaction-based, typically a small percentage capped per transaction (e.g., 1% + $0.25).
  • Enterprise plans are available with custom pricing.

Who it's best for: Subscription or retainer-based businesses that want to prevent late payments by automating the entire payment collection process via direct debit.

7. ezyCollect

ezyCollect offers a full suite of AR automation tools designed for wholesalers, manufacturers, and distributors. It automates reminders across email, SMS, and even posted letters, and provides features specifically for credit management, such as online credit applications and trade reference checking. For severely overdue accounts, you can escalate to its network of collection agencies with a single click.

• Pros:
  • Robust, multi-channel communication options (email, SMS, post).
  • Excellent for credit management, including applications and risk assessment.
  • One-click escalation to partnered debt collection agencies.
  • Strong customer payment portal that supports credit card and direct debit.
• Cons:
  • The platform is quite feature-rich, which can result in a steeper learning curve.
  • Primarily focused on the needs of Australian and New Zealand businesses, though it supports global users.
  • Pricing structure can be complex.
• Pricing:
  • Quote-based pricing that depends on features, invoice volume, and debtor count.

Who it's best for: Wholesalers and distributors who need a powerful AR system that combines collection automation with proactive credit management.

8. InvoiceSherpa

InvoiceSherpa simplifies accounts receivable by providing set-it-and-forget-it automation based on your invoice aging. After setting up your reminder rules and templates, the software works quietly in the background, chasing payments for you. It boasts a quick and easy setup process with Xero, making it great for business owners who want a fast, no-fuss solution.

• Pros:
  • Very easy to set up and configure with Xero.
  • Affordable pricing plans for small businesses.
  • Includes a customer portal where clients can view and pay invoices.
  • Allows you to add late fees automatically to overdue invoices.
• Cons:
  • Less sophisticated than higher-end platforms like Upflow or Chaser.
  • The user interface feels a bit dated compared to newer competitors.
  • Limited analytics and reporting capabilities.
• Pricing:
  • Plans often start under $50 per month, based on the number of customers.
  • Offers a free trial to test the software.

Who it's best for: Small businesses and freelancers who need a simple, affordable, and effective tool for basic invoice chasing automation.

9. Paidnice

Paidnice introduces an interesting twist on AR automation by focusing on incentives and penalties. You can configure it to automatically offer early payment discounts or add late payment fees to invoices in Xero. This creates a powerful financial motivator for customers to pay on time, complementing traditional reminder emails.

• Pros:
  • Unique focus on dynamically adding late fees or early payment discounts.
  • Integrates directly into Xero invoices, modifying them automatically.
  • Functions as a preventative measure rather than just a recovery tool.
  • Simple setup and clear rule-based logic.
• Cons:
  • The automated addition of fees can feel aggressive to some customers if not communicated properly.
  • Fewer traditional chasing features compared to dedicated platforms like Chaser.
  • Effectiveness depends on whether your client contracts allow for late fees.
• Pricing:
  • Starts with a free plan for a small number of invoices, with paid plans from around $20 per month.

Who it's best for: Businesses operating in industries where late fees are standard practice and want to automate their penalty/reward policies.

10. CreditorWatch Collect

Formerly known as Debtor Metab, CreditorWatch Collect combines automated communications with powerful credit reporting from CreditorWatch, one of Australia’s leading commercial credit bureaus. This integration allows you to see credit risk alerts directly in your collection workflow, helping you prioritize and tailor your approach for high-risk customers.

• Pros:
  • Deep integration with CreditorWatch credit data provides exceptional risk insights.
  • Triggers alerts for negative changes in a debtor's credit profile.
  • Automates email and SMS reminders based on customizable logic.
  • Enables easy ordering of credit reports from within the platform.
• Cons:
  • Most valuable for Australian companies due to its data source.
  • Subscribing to the full suite of CreditorWatch services can be expensive.
  • May be too feature-rich for businesses not focused on commercial credit risk.
• Pricing:
  • Included as part of a CreditorWatch subscription, which has various tiers based on company size and feature needs.

Who it's best for: Australian businesses that require robust AR automation tightly integrated with real-time commercial credit monitoring and risk management.

11. Know-it

Know-it is an all-in-one credit management platform that aims to cover the entire process, from checking a customer's credit on day one to chasing payment and arranging third-party debt recovery. Its seamless link with Xero lets you pull invoices directly into the chase workflow and view credit information from leading UK bureaus like Creditsafe side-by-side with your AR data.

• Pros:
  • Comprehensive platform covering credit checking, chasing, and collections.
  • Offers a strong solution for B2B supplier due diligence.
  • Integrated with major UK credit bureaus for real-time risk assessment.
  • One-stop-shop reduces the need for multiple subscriptions.
• Cons:
  • Primarily UK-focused due to its credit bureau partnerships.
  • The breadth of features might overwhelm small businesses seeking only payment reminders.
• Pricing:
  • Subscription-based models starting around £60 per month, increasing with an added feature set.

Who it's best for: UK-based businesses, particularly B2B suppliers, that want an end-to-end credit control and debt recovery solution.

12. SR-Pay

SR-Pay streamlines B2B payments and collections with a focus on ease of use. It provides automated email and text reminders that lead customers to a branded payment portal, where they can clear invoices using credit card, ACH, or eCheck. A key feature is dispute management, allowing customers to raise queries on a line-item basis, so the undisputed portion of an invoice can still be paid quickly.

• Pros:
  • Excellent payment portal experience for customers.
  • Supports line-item dispute management to clear up partial payments faster.
  • Simple and intuitive interface on both the business and customer side.
  • Offers convenience fees and surcharging options to offset processing costs.
• Cons:
  • Reporting and analytics are less comprehensive than specialized AR platforms.
  • Less customization available for the reminder cadence and messaging.
• Pricing:
  • Offers simple, straightforward pricing, often with a SaaS fee below $100 per month plus standard payment processing rates.

Who it's best for: B2B companies that want to make paying as frictionless as possible for their customers with a sleek portal and dispute tools.

13. Ignition

Though not a traditional debt collection tool, Ignition excels at preventing accounts receivable issues for service-based businesses like accounting firms and agencies. It combines proposals, contracts, and payments into a single workflow. By requiring clients to agree to automated payments (via card or ACH) before an engagement begins, it ensures you are paid on time, every time, eliminating the need to chase most debts.

• Pros:
  • Creates integrated smart proposals that clients sign and provide payment details for simultaneously.
  • Eliminates AR for new clients signed up through the platform.
  • Automates revenue recognition and service billing in Xero.
  • Excellent for managing recurring engagements and project-based work.
• Cons:
  • It's for preventing future debt, not for collecting existing aged debt from your Xero ledger.
  • Primarily oriented around professional services firms.
  • Does not chase invoices for clients not engaged through the platform.
• Pricing:
  • Plans start around $75 per month, based on features & active client numbers.

Best for: Professional service businesses (accountants, consultants, agencies) that want an end-to-end client engagement to get rid of late payments from day one.

Final Thoughts

Choosing the right debt collection integration depends on your business's specific needs—from the volume of your invoices and the nature of your customer relationships to whether you prefer a hands-off or high-touch approach. Each of these tools offers a free trial or demo, giving you a chance to see which workflow best fits your team before you commit.

As you work to improve financial operations, complex related questions around taxes often come up, like how to properly write off bad debt or when your collection activities might create nexus in a new state. When those complex questions pop up, Feather AI provides instant, citation-backed answers from authoritative IRS and state tax sources, helping you make informed decisions quickly.