# Get paid faster

> “Automate invoices and chase late payments”. Ranked by expert consensus and what people use now; affiliate links never change the order.

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.

Last checked: 2026-10-01

## Ranking

1. **[QuickBooks](https://suiteintent.com/t/quickbooks?m=GB)**: Accounting and invoicing for small businesses. · Best for small businesses with an accountant · Pricing on request
2. **[Chaser](https://suiteintent.com/t/chaser?m=GB)**: Payment reminders that chase unpaid invoices for you. · Best specifically for chasing late invoices · Pricing on request
3. **[Xero](https://suiteintent.com/t/xero?m=GB)**: Cloud accounting for UK small businesses. · Best overall · Pricing on request · 30 days ([Deals](https://suiteintent.com/deals/xero))
4. **[Stripe](https://suiteintent.com/t/stripe?m=GB)**: Online payments, subscriptions and invoices. · Best for online payments · Free plan
5. **[FreshBooks](https://suiteintent.com/t/freshbooks?m=GB)**: Invoicing and accounting for service businesses. · Best for: Billing clients for time without an accountant · Pricing on request · 80% ([Deals](https://suiteintent.com/deals/freshbooks))
6. **[Holded](https://suiteintent.com/t/holded?m=GB)**: Invoicing and accounting software for Spain. · Best for businesses in Spain · Pricing on request

## Side by side

| Tool | Price | Ease of use (1-5) | Team size |
| --- | --- | --- | --- |
| QuickBooks | Pricing on request | 4 | solo, small team, growing team |
| Chaser | Pricing on request | 4 | small team, growing team |
| Xero | Pricing on request, 30-day free trial | 4 | solo, small team, growing team |
| Stripe | Free plan | 3 | solo, small team, growing team, large team |
| FreshBooks | Pricing on request, 80% off for 3 months | 5 | solo, small team, growing team |
| Holded | Pricing on request | 4 | solo, small team, growing team |

## Why these picks

- Independent reviews: [Zapier](https://zapier.com/blog/best-invoicing-software/), [Fit Small Business](https://fitsmallbusiness.com/best-invoicing-software/) (Last checked: 2026-10-02)
- Prices last checked: 2026-10-01
- Ranked by expert consensus and what people use now; affiliate links never change the order.

## Head to head

- [Holded vs Quipu: accounting software for Spain](https://suiteintent.com/compare/holded-vs-quipu)
- [QuickBooks vs Xero for bookkeeping in Germany](https://suiteintent.com/compare/quickbooks-vs-xero)
- [Stripe vs Paddle: who handles your SaaS billing](https://suiteintent.com/compare/stripe-vs-paddle)
- [Xero vs FreshBooks: invoice and chase payments](https://suiteintent.com/compare/xero-vs-freshbooks)

## Rules that apply

- [Spain's autónomo taxes: forms 303, 130 and dues](https://suiteintent.com/compliance/autonomo-impuestos): What 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 Crece](https://suiteintent.com/compliance/es-b2b-einvoicing): Spain 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 2026](https://suiteintent.com/compliance/making-tax-digital): Self-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 reports](https://suiteintent.com/compliance/uk-selling-online-tax): Selling 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 £90,000](https://suiteintent.com/compliance/uk-vat-threshold): Close 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 complies](https://suiteintent.com/compliance/verifactu): Spain's VeriFactu rules for invoicing software: what changes for autónomos and companies, who is exempt and the 2027 deadlines, from official sources.

## MCP setups

- [Let Claude create invoices and payment links in Stripe](https://suiteintent.com/mcp/claude-stripe-invoices)

## Questions

### 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.