Best Payment Reminder Software in 2026: Invoice Reminders That Get Paid

Disclosure: Abivo is our product. Facts about other tools come from their own websites as of October 2026.

The short answer: If you send a handful of invoices a month, the reminders built into QuickBooks Online, Xero or FreshBooks may be enough. When reminders go out but invoices still age, move to dedicated payment reminder software: Paidnice or InvoiceSherpa for small businesses on Xero or QuickBooks, Chaser, Upflow or Kolleno for teams that want multi-channel schedules and collector workflows, and Abivo when you want an AI agent to follow up by phone and text as well as email and to handle the replies.

Comparison table

When built-in reminders stop being enough

Accounting system reminders are a good start, and every business should turn them on. They tend to stall for the same reasons:

• Email only. QuickBooks Online, Xero and FreshBooks reminders are emails, and a third email is easy to ignore.

• No answers. When a customer replies "which PO is this?", the reply waits in someone's inbox.

• No escalation. The same message repeats, with no change in channel, tone or owner.

• Fixed limits. QuickBooks Online sends up to 3 automatic reminders per invoice and FreshBooks up to 3 per client. After that, someone has to pick up the phone.

Our guide to the past due invoice email sequence that gets you paid covers timing and wording.

Payment reminder software, tool by tool

Abivo

Abivo is AI collections software for B2B companies. Its AI agent, Kate, calls, texts and emails your customers about overdue invoices in your company's name, records promises to pay and disputes, and hands disputes and requests to speak with a person to your team with the full history. You set the cadence per account or segment, pause follow-up on any single invoice and flag key accounts so a named owner handles them. Reminders name invoice details such as job, site, PO or billing period, and one message can cover every open invoice on an account.

It connects with QuickBooks, Xero, NetSuite, Sage Intacct, Microsoft Dynamics 365 Business Central, SAP and Chargebee, keeps each subsidiary separate for multi-entity teams, and works with customers in over 50 countries and in any currency. It does not replace your accounting system or payment processing. Read the OFS Group case study and how AI collections calls work.

Choose it when: your reminders already go out but customers do not respond, and you need follow-up that calls, texts and handles the replies.

QuickBooks Online reminders

QuickBooks Online can send up to 3 automatic reminders, each set up to 90 days before or after the due date. Reminders are emails, go only for unpaid invoices that were emailed to the customer, and share one editable template. See our list of AR automation software for QuickBooks.

Choose it when: you are on QuickBooks and send few invoices.

Xero reminders

Xero's automated reminders go to customers before and after the due date with your own message and stop once payment arrives. Invoices can carry a pay now button that needs no login. See our list of AR automation software for Xero.

Choose it when: you are on Xero and want reminders with an easy way to pay.

FreshBooks

FreshBooks sends up to 3 automated reminder emails per client, set before or after the due date, per client, per invoice or account-wide, and can add an optional one-time late fee.

Choose it when: you are a freelancer or small service business invoicing from FreshBooks.

Paidnice

Paidnice automates reminders for Xero and QuickBooks by email, SMS and WhatsApp before, on and after the due date, with automatic late fees or interest, early-payment discounts, payment plans and AI reply handling. See our Paidnice alternative page.

Choose it when: you want late fees and discounts to apply on their own.

InvoiceSherpa

InvoiceSherpa combines customizable reminders with a client payment portal, auto-pay and automatic reconciliation. It integrates with QuickBooks, Xero and Clio, and targets agencies, law firms, IT and consulting firms and accounting firms.

Choose it when: you are a professional services firm that wants reminders plus a payment portal.

Chaser

Chaser sends reminders by email, SMS and automated phone calls on multiple schedules, including one per customer, with a payment portal, payment plans and late fees. It lists Xero, QuickBooks Online, NetSuite, Sage Intacct, Business Central and SAP. See our Chaser alternative page.

Choose it when: you want more control over schedules than your accounting system offers.

Upflow

Upflow runs reminder workflows by email, SMS, calls and letters, with AI agents that range from suggestion-only to autonomous and integrations with NetSuite, Sage Intacct, QuickBooks Online and Xero. See our Upflow alternative page.

Choose it when: several people share collections and want one workspace.

Kolleno

Kolleno gives collectors prioritized to-do lists, reminders for missed promise-to-pay dates and one activity feed across emails, calls and SMS, with integrations for NetSuite, QuickBooks, Microsoft Dynamics, Xero and Sage. See our Kolleno alternative page.

Choose it when: you need clear ownership of each account across a small team.

What a good payment reminder should include

• The invoice details: number, amount, due date and a copy attached, plus the PO, job or billing period if there is one.

• One clear question: "Can you confirm a payment date?" gets more replies than a demand.

• An easy way to pay: a payment link and remittance details.

• A reference to the last contact, so the customer can see the follow-up is real.

• A change of channel when email is not working: a text, then a call.

FAQ

What is the best payment reminder software for small businesses?

Start with your accounting system's built-in reminders. If invoices still age, Paidnice and InvoiceSherpa add channels and payment options for Xero and QuickBooks users, and Abivo adds AI phone and text follow-up for B2B companies.

Can payment reminder software call customers?

Some tools add automated or in-app calling. Abivo's AI agent, Kate, holds the call itself: it asks about the invoice, records a promise to pay and passes disputes to your team. See AI collections calls.

How many payment reminders should I send?

There is no fixed number. A common B2B pattern is a courtesy note before the due date, a reminder on it, follow-ups every few days after it, and a change of channel to text or phone once email has been ignored.

If your payment reminders are going out but invoices are still overdue, Get started with Abivo and see Kate follow up on your own open invoices.

Related guides: best dunning software, best debt collection software for B2B.