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“Automate invoices and chase late payments”
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Late payment usually comes down to two gaps: invoices that are hard to pay and reminders nobody sends. Xero, QuickBooks and FreshBooks send automatic reminders from your books, and FreshBooks lets clients pay by card online. Chaser sits on top of Xero or QuickBooks and writes personal chasers from your own email, stopping once the money lands. Stripe suits online businesses: no monthly fee, hosted invoices and automatic retries on failed payments.

Chaser: Payment reminders that chase unpaid invoices for you.
Chaser

Best specifically for chasing late invoices

Pricing on requestTry
Holded: Invoicing and accounting software for Spain.
Holded

Best for businesses in Spain

Pricing on requestTry
Kajabi: Platform for selling courses and coaching.
Kajabi

Platform for selling courses and coaching.

From $143/moTry

Side by side

Price, free plan, ease of use and the team size each one suits.
QuickBooksPricing on requestSolo, Small team, Growing team
ChaserPricing on requestSmall team, Growing team
Xero30-day free trialSolo, Small team, Growing team
StripeFree planSolo, Small team, Growing team, Large team
FreshBooks80% off for 3 monthsSolo, Small team, Growing team
HoldedPricing on requestSolo, Small team, Growing team

Why these picks

Independent reviews, facts checked at the source, and our own use.
  • Ranked from independent reviews

    We score how often and how high each tool appears in independent best-of reviews.

    Zapier logoFit Small Business logoZapier and Fit Small Business
    Reviews read 2 Oct 2026
  • Facts checked at the source

    Prices, free plans and offers come from each provider's own website, checked every week by our software and reviewed by us.

    Prices last checked 1 Oct 2026
  • Nobody pays for a place

    The order comes from the reviews and the facts. Offers are only the providers' own.

     

Head to head

Pairs people weigh up that include one of these picks.
HoldedvsQuipuQuickBooksvsXeroStripevsPaddleXerovsFreshBooks

Rules that apply

The rules, the dates, and which of these tools support them.
Spain's autónomo taxes: forms 303, 130 and duesWhat a self-employed person files in Spain: quarterly and annual VAT, income tax on account, 15% or 7% withholding, deadlines and social security.Spain's B2B e-invoicing: Ley Crea y CreceSpain will require structured e-invoices between businesses: the formats, the payment status duty, the free state tool and the expected 2027 and 2028 dates.Making Tax Digital: VAT and Income Tax in 2026Self-employed or a landlord in the UK? See who must keep digital records and send quarterly updates to HMRC, the 2026 to 2028 thresholds and exemptions.Selling online in the UK: tax and HMRC reportsSelling clothes, crafts or services online in the UK? See when HMRC taxes it, the £1,000 allowance, what platforms report and the Self Assessment dates.UK VAT threshold: when to register at £90,000Close to £90,000 in UK sales? See how the rolling 12-month test works, when to register, when you can cancel and how the flat rate scheme works.VeriFactu: invoicing software that compliesSpain's VeriFactu rules for invoicing software: what changes for autónomos and companies, who is exempt and the 2027 deadlines, from official sources.

Connect them to AI

MCP setups that use these tools, step by step.
Let Claude create invoices and payment links in Stripe

Questions

What people ask about get paid faster.

Do I need Chaser if Xero already sends invoice reminders?

Xero's built-in reminders cover many small businesses with a few slow payers. Chaser adds personalised reminders from your own email address on schedules you set per customer. It syncs with Xero and QuickBooks, so a reminder stops once the invoice is marked paid. Buy it when chasing takes you hours each month.

Can I charge interest on a late invoice in the UK?

Yes. Under the Late Payment of Commercial Debts Act, you can claim statutory interest of 8% above the Bank of England base rate on overdue business invoices. You can also add a fixed sum of £40 to £100 depending on the debt. Stating your payment terms on every invoice makes the claim easier. Many owners mention the right in a reminder and only enforce it with persistent late payers.

Is adding a card payment link worth the fees?

Usually, because a client who can pay in two clicks pays sooner. Stripe has no monthly fee and charges per successful transaction, and it retries failed payments for you. FreshBooks lets clients pay online by card and connects to Stripe. Weigh the fee against the days you wait for a bank transfer.

QuickBooks or Xero for a small UK business that wants faster payment?

Both send invoice reminders and connect to bank feeds, so the choice usually follows your accountant. QuickBooks has a huge accountant ecosystem across the US, UK and Canada. Xero is widely used by UK accountants and bookkeepers and connects to hundreds of other apps. Ask your accountant which one they work in before you sign up.

I invoice customers in Spain: does any of this work there?

Holded is built for Spain, with invoicing, accounting and Spain's official tax forms in one app. It supports e-invoicing, which matters as Spanish invoicing rules tighten. Stripe and FreshBooks both operate in Spain for card payments and invoices. Xero, QuickBooks and Chaser focus on the UK and the US.