Accounts receivable for Xero

You did the work.
Now get paid for it.

Xero can remind your clients, but it sends all of them the same email. Nudge connects to the same ledger and writes each reminder from the invoice itself — the amount, how late it is, who the client is, and everything you have already sent.

Start chasing free Try it without signing up

No card required. The demo needs no email either — it opens a workspace with eight invoices already in flight.

Friendlyto accounts@harbourline.com

3days late

INV-2026-014 - Reminder

Just a friendly reminder about invoice INV-2026-014 for $8,400.00 that was due on August 24th. I know how busy things can get, so I wanted to give you a quick nudge on this.

1 / 4

One invoice. Every reminder written for you.

29%

of freelance invoices are paid late

Bonsai, 100,000+ freelancers

$17,700

average owed at any one time

per small business waiting on invoices

29 days

average wait to get paid

Xero US Small Business Insights

The ladder

One invoice.
Four escalating voices.

The hard part of chasing money is not remembering. It is finding words that get you paid without costing you the client. Nudge writes each one from the invoice's real context — the amount, the age, who they are, and everything you have already said.

Friendly3 days late
INV-2026-014 - Reminder
Just a friendly reminder about invoice INV-2026-014 for $8,400.00 that was due on August 24th. I know how busy things can get, so I wanted to give you a quick nudge on this.
Firm14 days late
Invoice INV-2026-014 - Payment Due
Invoice INV-2026-014 for $8,400.00 is now 14 days past due. If you are waiting on an approver, a PO number, or the next payment run, please let me know by this Friday 25 September so I can follow up accordingly.
Serious30 days late
Invoice INV-2026-014 for $8,400.00
Invoice INV-2026-014 for $8,400.00 is now 30 days past due. This invoice is a formal matter that requires your attention. Please provide payment or commit to a payment schedule by Friday 30 September. I am happy to discuss this directly with you to resolve it.
Final notice45 days late
Final Notice: Invoice INV-2026-014
Invoice INV-2026-014 for $8,400.00 for Q1 freight routing optimisation is now 45 days past due. I will decide how to proceed after Friday 25 September.

Seven rungs, all yours to move

Every rung is pinned to the due date. Turn one off, shift it, or change how hard it pushes. A client marked “new” is handled a notch softer; a chronic late payer, a notch harder.

3 days before dueHeads-up
Courtesy heads-up. No pressure — just surface the invoice before it slips.
On the due dateFriendly
Note that payment is due today and make paying a one-click action.
3 days overdueFriendly
Assume it was an oversight. Warm, short, easy to resolve.
7 days overdueFirm
Ask a direct question: is there a blocker, or can we expect payment this week?
14 days overdueFirm
Request a specific payment date and name the right person to talk to.
30 days overdueSerious
Formal, and carrying no consequence you have not chosen. Names a date and offers to settle it directly.
45 days overdueFinal notice
Final notice. Short, dated, factual — and it says you will decide how to proceed, not what you will decide.

The honest comparison

You already have
invoice reminders.

Xero’s are free, and for a handful of invoices they are enough. They stop being enough at the point where one schedule and one set of wording has to cover every client you have.

Xero’s built-in reminders

Up to five, on one schedule that applies to every customer
One set of templates for your whole customer base
The same wording whether it is three days late or ninety
No routing a reminder to anyone but the contact Xero already has

Nudge, on the same ledger

Seven rungs, from three days before due to forty-five days after
Every reminder written from that invoice, not filled into a template
Five tones that harden as it ages, and stop short of threats you have not made
Per-client contacts and CCs, and a tone for clients you want to keep

Xero’s reminder limits are as documented by Xero in September 2026. If you are getting paid fine on the built-in ones, keep using them — they cost nothing and this does not.

What you actually get

Your ledger stays your ledger

Invoices stay in Xero, where your bookkeeper and your accountant expect them. Nudge syncs them in, chases what is late, and sends clients to the payment page they already know. Nothing to migrate, nothing to re-enter. Stripe works the same way.

Nothing sends without you

Every draft lands in an outbox you can read and edit. Once you trust it, switch on autopilot and the whole thing disappears into the background.

It stops the second you are paid

Paid in Stripe, paid in Xero, or paid into your bank and marked by hand — every queued reminder for that invoice is cancelled. Nobody is ever chased for money they have sent.

It knows who it is writing to

Mark a client new, valued, or a chronic late payer and every reminder shifts tone. A first-time client never gets the debt-collector voice.

Old debts do not slip through

Connect an account with invoices already 40 days late and they get an opening chase tomorrow, pitched at the tone that age deserves. Not six emails at once, and not silence.

You can see who is actually bad

An ageing report, a value-weighted days-to-payment figure, and a ranked list of who owes you most for longest. Useful at renewal time.

Pricing

One invoice you would otherwise have written off covers a year of it. Start free, connect Xero, and upgrade once you have watched it work.

Starter

Free

Watch it work on five invoices before you pay for it.

Up to 5 open invoices
Connect Xero or Stripe
Full 7-step chase sequence
AI-written reminders you approve

Start free

Pro

Stop being your own debt collector.

Connect an account, or add one overdue invoice by hand, and read what Nudge writes. That is the whole evaluation.

Start free Or just look around first

You did the work.Now get paid for it.

One invoice.Four escalating voices.