18 of 22
You probably already own the fix
Xero, MYOB, QuickBooks and most industry programs can send payment reminders for you. Free — but off until you turn them on.
Problems / Getting paid
How to get customers to pay their invoices — without chasing them yourself
In 18 of the 22 industries we checked, the tools that chase unpaid invoices for you are already in software you pay for. They just come switched off.
18 industries · prices checked 27 July 2026
What to know
Day 7 · 14 · 30
Three reminders, then it's handled
A reminder at 7, 14 and 30 days overdue. Turn them off for your biggest customers — those deserve a phone call, not an email.
A failed card is not a rude customer
Most gym payment problems are just expired cards. The software can retry the card and text the member a link to fix it themselves.
Never automate legal letters or trust money
Late-rent notices with legal force, and money held in trust, must stay in the official system. Automate when reminders go out — never what they say.
How to implement this today
- 1
Open Xero, MYOB or QuickBooks settings and turn on invoice reminders at 7, 14 and 30 days overdue.
- 2
Exclude your biggest accounts from the reminders — ring those yourself.
- 3
On an industry platform (gym, property, legal, strata)? Turn on its payment recovery or arrears automation instead.
- 4
Let it run for one billing cycle, then check what's still outstanding — that short list is your phone-call list.
The fixes, industry by industry
All 18 industries already own a fix for this.
Pick your trade and this rewrites itself in its words, its tools, its prices.
Already in software you pay for · 18 fixes
A setting inside a product you already license. Check your plan.
2 industriesSend late-payment reminders automatically · Xero$0 — included, off by default
2 industriesSend payment reminders to commercial accounts automatically · Xero$0 — included, off by default
2 industriesSend late-invoice reminders automatically · Xero$0 — included, off by default
2 industriesSend late-invoice reminders automatically · Xero or MYOB$0 — included, off by default
When not to solve this with software
Automate when a reminder goes out. Never automate what a legal notice says, and never move money held in trust outside the system certified to hold it.
AI-drafted breach notices and arrears letters. — property management guide
These documents have prescribed forms, prescribed timelines and legal consequences when wrong. Automate the schedule that sends them; the wording comes from your compliance-checked templates, not a generator.
Automating trust accounting outside your legal platform. — law firms guide
Trust money is strict-liability, audited, and career-ending to get wrong. It moves only inside the compliant system built and certified for it — no spreadsheet sync, no third-party automation, no exceptions for convenience.
Automating trust accounting outside your strata platform. — strata & owners corporation guide
Strata trust money is audited and state-regulated, and reconciliation errors are a licence problem, not an accounting one. It moves only inside the compliant system — no spreadsheet bridges, no third-party sync for convenience.
The full guide for each trade
For your business specifically
The $500 AI Opportunity Diagnostic measures these problems against your business and ranks the fixes by what they return.
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