The AI invoice chasing tools that connect to Xero include Adfin, Chaser, Paidnice, Kolleno and Credit Hound, with Xero's own email reminders as the baseline. They differ in what the AI does, from drafting replies to choosing each customer's timing and channel, and in whether the tool takes the payment and marks the invoice paid in Xero. Adfin chases for free over email, SMS and WhatsApp, collects the payment itself and charges no monthly fee.
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The short version
- Adfin, Chaser, Paidnice, Kolleno and Credit Hound all chase Xero invoices, with Xero's own email reminders as the baseline.
- The AI in these tools drafts replies, tunes timing and channel, makes calls or predicts late payment.
- Adfin takes the payment itself and marks the invoice paid in Xero; others rely on Stripe, GoCardless or an add-on.
- Adfin's Essential chasing is free over email, SMS and WhatsApp, and Enhanced costs 0.3% only where it's used.
- Switch Xero's reminders off if a chasing tool takes over, so customers don't get two sets.
What AI does when it chases a Xero invoice
Every tool here reads your invoices and contacts from Xero and sends reminders until the invoice is paid. The "AI" on top can mean four quite different things, so ask a vendor which one you're getting.
- Writing: a language model drafts a reminder, or reads a customer's reply and drafts an answer for you to approve.
- Timing and channel: the tool learns from each customer's payment history when to send and whether email, SMS or WhatsApp gets a response.
- Calling: an automated or AI voice call to a customer who doesn't answer emails.
- Predicting: a score for each invoice showing how likely it is to be paid late, so you know where to look first.
With Xero, two practical questions sit alongside the AI. Can your customer pay from the reminder itself, and when they do, does the invoice get marked paid in Xero without anyone matching it? A tool that only sends reminders leaves your customer to set up a bank transfer, and leaves you to match the money to the invoice in Xero when it arrives.
The tools compared
| Tool | How it works with Xero | What the AI or automation does | Takes the payment |
|---|---|---|---|
| Adfin | Certified Xero app; syncs invoices, marks them paid and reconciles payments | Collection agents tune timing, channel and tone per customer; escalations include an AI phone call | Yes: card, Apple Pay, Google Pay, pay by bank, bank transfer, direct debit |
| Chaser | Syncs with Xero every hour and before each reminder | Drafts replies to customer emails; scores who's likely to pay late | Through its portal, using your own connected Stripe account |
| Paidnice | Reads invoices from Xero and writes promises and PO numbers back | Reads replies and drafts responses for you to approve | Through Stripe |
| Kolleno | Xero is one of its listed integrations | AI agents automate follow-ups and payment matching and flag risks | Payment links, with direct debit through GoCardless |
| Credit Hound | Available for Xero | AI-supported reminders before the due date and help prioritising who to chase | Through its PayThem add-on |
Adfin is a certified Xero app that picks up your invoices, adds a payment link and chases until they're paid. Essential credit control is free, with unlimited reminders by email, SMS and WhatsApp, statements and debtor reporting. Enhanced costs 0.3% of a paid invoice, charged only where an enhanced skill was used and never more than 0.3% however many were, so £3 on a £1,000 invoice. You switch it on per collection agent and choose which customers each agent covers. Adfin's collection agents then tune the timing, channel and tone for each customer, add statutory interest to overdue business invoices and send emails from your own address. If a customer still doesn't respond, escalations take over, moving from a firmer notice and a payment plan offer to an AI phone call and a final notice, then handing the invoice back to you or to Garfield.Law, an SRA-regulated law firm. On the call, the agent tells your customer it's an AI and can text them a secure payment link, but it won't change the amount or agree terms. When your customer pays, the invoice is marked paid in Xero and the payment reconciled. Payments cost 1% + 20p, with the percentage capped at £4 on direct debit and bank payments (not cards), and there's no monthly fee.
Chaser chases by email and SMS and can automate phone calls to your customers. Its AI drafts replies to customer emails and gives insights on which customers are likely to pay late. Customers pay through its portal using your own connected Stripe account, and direct debit carries Chaser's fee of up to 0.5% a payment (capped at £2) on top of Stripe's. Plans are priced monthly by your annual revenue, and Chaser doesn't publish a sterling price list.
Paidnice sends reminders by email and SMS, with each text charged at 5p. Its AI reads each customer reply, records promises to pay and PO numbers in Xero and drafts a response for you. Payments go through Stripe, so you'll pay Stripe's fees as well as the subscription, which starts at £49 a month for up to 150 invoices.
Kolleno is built for larger finance teams. It's priced per user per month, with plans banded by turnover and its AI agent support from the Business Plus tier up.
Credit Hound, from Draycir, is priced from £20 per user a month, and taking payments needs PayThem at £38 a month on top.
Xero's own reminders and running a tool alongside them
Xero emails reminders about unpaid invoices on a schedule you set before or after the due date, and checks your bank feed so they only go to invoices that are still unpaid. You can switch them off for a contact. The same schedule applies to every customer, reminders go by email only, and there's no AI choosing when or how to send. Customers can pay through Xero's pay now button once you've connected Stripe or GoCardless.
If you add a chasing tool and leave Xero's reminders on, your customer can get two emails about the same invoice. Pick one system to do the chasing and turn the other off in Xero's invoice reminder settings.
What to check before you choose
- Will the AI send anything without your sign-off, and can you see what it sent and why?
- Which channels are included, and do texts cost extra?
- Can your customer pay from the reminder, and is the invoice then marked paid in Xero?
- Does it need a separate payment provider, with its own fees and login?
- Can you set different rules for different customers and pause one account during a dispute?
- What happens when reminders stop working: does the tool escalate, or does it hand the invoice back to you?
- Is the price a monthly subscription, per user or per payment?
Common questions
Does Xero use AI to chase invoices? Xero's invoice reminders are emails sent on a schedule you set for your organisation. They aren't tailored to each customer by AI.
Which AI chasing tools for Xero take the payment as well? Adfin takes the payment itself, by card, digital wallet, pay by bank, bank transfer or direct debit, so there's no separate provider to connect. Chaser and Paidnice rely on your own connected Stripe account, Kolleno uses GoCardless for direct debit, and Credit Hound needs its PayThem add-on.
Will a payment taken through Adfin show as paid in Xero? Yes. Adfin marks the invoice paid in Xero and reconciles the payment, so nobody has to match it by hand.
Should I turn off Xero's reminders if I use a chasing tool? Usually, yes. Otherwise your customers can get reminders from two systems about the same invoice.
Is there a free AI invoice chasing tool for Xero? Adfin's Essential credit control is free with unlimited reminders by email, SMS and WhatsApp. Its Enhanced plan, which adds per-customer tuning, costs 0.3% of a paid invoice only where it was used.
Can an AI phone call chase a Xero invoice? Adfin's escalations can include an AI phone call. It says it's an AI, can text a secure payment link and can't change the amount, offer discounts or agree terms.
Sources
- Adfin - Credit control (accurate as of November 2026) https://www.adfin.com/credit-control
- Adfin - Pricing (accurate as of November 2026) https://www.adfin.com/pricing
- Xero - Invoicing software (accurate as of November 2026) https://www.xero.com/uk/features-and-tools/accounting-software/invoicing/
- Xero App Store - Chaser (accurate as of November 2026) https://apps.xero.com/uk/app/chaser
- Xero App Store - Paidnice (accurate as of November 2026) https://apps.xero.com/uk/app/paidnice
