Connect Unpaid to your Xero account in under 5 minutes. AI-personalised reminders, smart reply handling, and a 5-stage escalation sequence that gets you paid faster — without damaging customer relationships.
Xero's built-in reminders are a starting point. Unpaid is the destination.
Every reminder is uniquely written for the recipient, invoice amount, and relationship — not a template with a name swapped in.
When customers reply, Unpaid reads the response and acts: tracks payment promises, flags disputes, answers questions.
From friendly nudge to formal notice. Tone escalates automatically over 30 days. Early reminders auto-send; later ones need your approval.
Connect Xero with one click. No data migration, no CSV imports, no IT team. Your first reminders can go out the same day.
Xero's invoice reminders handle the basics. Here's what you get when you add Unpaid.
| Feature | Xero Built-in | Unpaid |
|---|---|---|
| Automated reminders | 3 fixed intervals | 5-stage AI escalation |
| Customisable timing | Before/after due date | Day 3, 7, 14, 21, 30+ |
| AI-personalised emails | ||
| Smart reply handling | ||
| Payment verification | ||
| Dispute detection | ||
| Client risk scoring | ||
| Customer portal | ||
| BCC your accounting email | ||
| PTRS risk checking | ||
| SMS reminders | ||
| QuickBooks + MYOB support | ||
| Stripe payment tracking | ||
| Late fee automation | Coming soon | |
| Price | Included | From A$29/mo |
Create your Unpaid account. No credit card needed.
One-click OAuth connection. Authorise in seconds.
Set your escalation preferences and exclusions.
Reminders start going out. You approve Day 14+.
Chaser is the market leader for Xero invoice chasing. Here's how Unpaid compares — at a fraction of the price.
| Unpaid | Chaser | |
|---|---|---|
| Starting price | A$29/mo | ~A$390/mo |
| Currency | AUD | GBP |
| Free trial | 14 days | 14 days |
| Credit card required | No | No |
| Xero integration | Yes | Yes |
| MYOB integration | Yes | No |
| AI-personalised emails | Yes | No |
| Smart reply handling | Yes | No |
| Australian-built | Yes | UK-based |
| Best for | SMBs, tradies, freelancers | Mid-market finance teams |
Chaser pricing based on GBP 199/mo Compact plan converted to AUD. Verify current pricing at chaserhq.com.
Built for Australian small businesses, tradies, freelancers, and bookkeepers.
Every email is uniquely written. No templates, no generic “just a friendly reminder”. Tailored to the customer, amount, and how overdue it is.
Customer says “I’ll pay Friday”? Unpaid logs the promise and follows up if they don’t. Dispute? Flagged for your review.
When someone says they’ve paid, Unpaid checks your Xero records to confirm. No more taking their word for it.
Give clients a self-serve portal to view outstanding invoices, make payments, and communicate — reducing back-and-forth emails.
Check if your large business clients are listed on the federal Payment Times Reports Register. Know their payment track record before you invoice.
The only invoice follow-up tool with native support for all three major Australian accounting platforms.
Unpaid connects to Xero via the official Xero OAuth 2.0 API. During setup, you authorise Unpaid to access your Xero organisation. Unpaid syncs your outstanding invoices, contact details, and payment status. The connection is read-only for invoice data — Unpaid never modifies your Xero records.
Yes. Xero’s built-in reminders are limited to 3 fixed intervals with basic templates. Unpaid replaces this with a 5-stage AI-powered escalation system that sends genuinely personalised emails, handles customer replies automatically, detects disputes, and verifies payments. Most users disable Xero’s native reminders after connecting Unpaid.
Unpaid only follows up on overdue invoices. When you connect Xero, Unpaid imports your outstanding invoices and begins the follow-up sequence for any that are past their due date. Invoices that aren’t yet overdue are monitored and followed up automatically when they become overdue.
Yes. You can exclude specific invoices, specific contacts, or invoices below a certain amount. You also approve the first follow-up email for each new contact, so nothing goes out without your review. After the first approved email, subsequent follow-ups in the escalation sequence are sent automatically.
Unpaid’s AI reads the reply and classifies it: payment promise, dispute, question, or payment confirmation. Payment promises are tracked with follow-up dates. Disputes are flagged for your review. Questions are answered or escalated. Payment confirmations are verified against your Xero records.
Chaser is a UK-based enterprise platform starting at approximately A$390/month. Unpaid starts at A$29/month and is built specifically for Australian small businesses. Unpaid uses AI to personalise every email (not templates), handles replies automatically, integrates with MYOB as well as Xero and QuickBooks, and includes Australian-specific features like PTRS risk checking and ABN verification.
Yes. Unpaid integrates with all three major Australian accounting platforms: Xero, QuickBooks, and MYOB. This makes it the only invoice follow-up tool with native MYOB support, covering the accounting software used by over 80% of Australian small businesses.
Unpaid uses Xero’s official OAuth 2.0 API with minimal required permissions. Your data is encrypted in transit and at rest. Unpaid is read-only — it never creates, modifies, or deletes invoices in Xero. You can revoke access at any time from your Xero settings.
Under 5 minutes. Sign up, connect your Xero organisation with one click, review your settings, and your first reminders can go out the same day. No migration, no data import, no IT team required.
Day 3: a friendly, casual reminder. Day 7: a polite follow-up referencing the original invoice. Day 14: a firmer reminder noting the overdue period. Day 21: an escalation mentioning potential consequences. Day 30+: a final notice. Each email is AI-written to be unique and appropriate for the relationship and amount. Early reminders (Day 3 and 7) are sent automatically; Day 14 and beyond require your approval.
Try Unpaid free for 14 days. Connect your Xero account in minutes, and let AI handle the follow-up. No credit card required.
Start free trial