If you invoice through Stripe, the honest starting point is that Stripe already chases for you — and for plenty of businesses that is the end of the story. The tools below matter when it is not: when the scheduled nudges have all gone out and nothing has come back, when a client replies and a person still has to write the answer, or when the same handful of invoices rolls into a third month.
Every price here was read off the vendor's own pricing page on 25 July 2026 and is USD list, monthly unless stated. Chaser and Paidnice both publish in several currencies, and the figures quoted in other roundups are often the AUD or GBP ones — worth knowing before you compare.
First, what Stripe's own reminders already do
Stripe Invoicing has automatic reminders built in. In the Invoices tab of your billing settings you switch the feature on, then click Add reminder for each nudge you want and pick a schedule from the dropdown — Stripe's documentation says you "can schedule reminders for before, on, or after the invoice due date." You can also customise "the color, icon, and logo of your customer emails and Stripe-hosted page" in branding settings. Separately, Smart Retries reattempts failed card charges, with a recommended default of "8 tries within 2 weeks."
The cost is easy to reason about: Stripe Invoicing "has no fixed fees or setup costs," charging 0.4% per paid invoice on Starter and 0.5% per paid invoice on Plus, with Stripe Payments pricing on top.
Sources: Stripe docs — automatic collection and stripe.com/invoicing/pricing, both checked 25 July 2026.
Where it runs out:
- It is one-way. A reminder goes out on the offsets you configured. When the client writes back to query a line item or ask to split the balance, that lands in someone's inbox and waits for a human.
- The schedule is fixed, not conditional. Reminders fire at day offsets you set once. There is no "keep going until this is settled," and no branch for the client who has gone quiet versus the one who always pays on day 45.
- One template for everyone. Branding is customisable; the words are not per-client.
- Reminders cover unpaid, one-off invoices. Stripe also notes it will hold a reminder back when payments on that invoice are already processing.
- No late-fee or payment-plan policy. If you charge interest on overdue balances, or agree installments, none of that is applied or tracked here.
So the real question is not reminders or no reminders. It is what happens after the last scheduled one.
The shortlist at a glance
Stripe's built-in reminders — no fixed fee (0.4–0.5% per paid invoice on Stripe Invoicing). Scheduled, brandable, one-way. Try this first.
FetchDue — Free / $29 Pro / $149 Firm. An agent that works the overdue list: it drafts each follow-up, reads the reply, and drafts the answer, with you approving every send. Cheapest way past the fixed-schedule ceiling.
Paidnice — from $69 (Essentials, 150 invoices), $99–$799 (Pro, by invoice volume), from $999 (Custom). A rules layer that adds late fees, discounts and statements on top of Stripe.
Chaser — from $259 (Compact), $779 (Core), $1,169 (Complete). The established receivables platform, priced for finance teams rather than small studios.
Upflow — free Discover tier; Grow, Scale and Strategic are priced on request, banded by ARR. Aimed well above agency scale.
Prices verified 25 July 2026 from chaserhq.com/pricing, paidnice.com/pricing and upflow.io/pricing. FetchDue pricing is our own.
FetchDue
Price: Free forever to add and track invoices by hand. Pro $29/mo. Firm $149/mo to run many agency clients from one console.
What it does with Stripe: you connect your Stripe account over OAuth, and FetchDue reads the invoices you already issue there — drafts and voided invoices are skipped, because they are not receivables — along with the customers attached to them. The overdue list builds itself; there is nothing to import and nothing to keep in sync by hand. When a chase needs a way to pay, FetchDue mints a payment link on your own connected Stripe account, so the money settles to your Stripe balance and never passes through ours. Paid links are matched back and the invoice is marked settled on the next sync.
Where it goes past a reminder scheduler: the chases go out from your own Outlook or Microsoft 365 mailbox, so to the client it is the same thread with the same person — nothing sends from a FetchDue address. When a reply comes back, FetchDue works out what it means: a request to split becomes an installment plan with real dates for you to approve, a promise to pay is tracked and followed up if it slips, a question gets a drafted answer, and anything sensitive comes straight back to you. There is no last-reminder cliff, because the next step is decided from what the client actually said.
Who it suits: agencies, studios and consultancies billing through Stripe where the client relationship matters more than the process. If you would never let a third party sign a message to your client, this is the model that fits.
Where it does not: if you need consolidated multi-entity receivables reporting for a finance team, or a specialist on the phone working your ledger, Chaser is the more complete platform.
Paidnice
Price: Essentials $69/mo (150 invoices monitored, 600 emails, up to 2 team members). Pro is tiered by invoice volume: $99 at 300 invoices, $179 at 600, $279 at 1,000, $489 at 2,000, $649 at 3,000, $799 at 4,000. Custom from $999/mo above that. Verified paidnice.com/pricing, 25 July 2026.
What it does with Stripe: Paidnice supports Stripe alongside Xero and QuickBooks Online, plus webhooks into Zapier and Make. It automates the policy layer Stripe does not carry — late fees, early-payment discounts, automated statements and conditional reminders, all driven by rules you configure once.
Where it is strong: if your problem is a late-fee policy nobody applies consistently, Paidnice applies it every time without anyone having to be the bad guy. That is a genuinely different job from what Stripe's reminders do, and the two coexist happily.
Where it costs you: it is a rules engine, and rules do not read replies or negotiate. The invoice counts are real caps — 150 monitored invoices on Essentials goes quickly for an agency billing retainers plus projects — and the climb from $69 to $99 to $179 arrives sooner than most people plan for.
Chaser
Price: Compact from $259/mo, Core from $779/mo, Complete from $1,169/mo. A managed add-on, Chaser Care, starts at $447/mo for a specialist working your ledger. Yearly billing saves 10%. Verified chaserhq.com/pricing, 25 July 2026.
What it does with Stripe: Stripe is listed among Chaser's integrations, though Chaser's centre of gravity is the accounting ledger — it is Xero- and QuickBooks-native first, and Stripe is the payment side rather than the system of record. It runs scheduled multi-step follow-up sequences with escalation, plus receivables reporting and a customer payment portal.
Where it is strong: breadth and maturity. Per-workflow control, a large template library, multi-entity support, and reporting a finance function will accept.
Where it costs you: the entry tier is $259/mo before you have chased anything, which is a real number for a small studio. And a sequence is still a sequence — it schedules and escalates, but a reply still lands on a person to interpret and answer. You are paying for a better scheduler.
Upflow
Price: a free Discover tier, then Grow, Scale and Strategic — none of which publish a number. The tiers are banded by revenue: $0–10M ARR, $10–50M ARR and $50M+ ARR, each behind a "Let's talk" button. Verified upflow.io/pricing, 25 July 2026.
What it does with Stripe: Upflow lists Stripe Billing among its integrations — positioned, in its own words, for "when smart-retries won't cut it" — alongside NetSuite, Sage Intacct, Zuora, Chargebee, QuickBooks and Xero.
Where it is strong: it is built for a finance team that owns receivables as a function, with the ERP connections to match.
Where it costs you: you cannot price it without a sales call, and the ARR bands make the target obvious. If you are a ten-person studio, you are not the buyer — that is not a criticism of the product, just a poor fit.
One tool that did not make the list
InvoiceSherpa ($49 / $99 / $199 per month, verified invoicesherpa.com/pricing, 25 July 2026) is priced in the right range and comes up often in this category — but its pricing page names QuickBooks Online, Xero and Clio as its integrations, and does not list Stripe. If Stripe is your system of record, confirm that directly with them before shortlisting it.
How to choose
Three questions settle it for most people.
1. Have you actually switched Stripe's reminders on? A surprising number of overdue books belong to accounts where the feature was never enabled. It is free, it takes ten minutes, and if it fixes the problem you have saved yourself a subscription. Start there and measure for a month.
2. Is your problem the sending, or the answering? If invoices simply are not being nudged, Stripe's reminders fix that for free and Paidnice adds the fee and statement policy on top. If your invoices are already being nudged and the replies are what pile up, a scheduler will not help you — that is the case for an agent that reads and drafts.
3. Who has to be on the message? Agencies usually cannot afford a third-party name on a client thread. Check whether follow-ups go out from your own mailbox or from the vendor's system, because that one detail decides how the client experiences all of it.
FAQ
Does Stripe send automatic invoice reminders? Yes. In the Invoices tab of your billing settings you can switch on reminders and add a schedule for each one — before, on, or after the due date. They are included with Stripe Invoicing at no extra fixed cost, and you can brand the colour, icon and logo. Stripe's documentation notes they apply to unpaid, one-off invoices.
What do Stripe's built-in reminders not do? They are one-way. A reminder fires on the offsets you configured and stops there — it does not read what the client writes back, does not vary by client, and does not negotiate a due date or a payment plan. Anything that arrives in reply still lands on a person to interpret and answer.
What is the cheapest way to chase overdue Stripe invoices? Stripe's own reminders are the cheapest, because they carry no fixed fee beyond Stripe Invoicing's per-paid-invoice charge. Of the paid tools here, FetchDue at $29/mo is the lowest entry point, then Paidnice at $69/mo, then Chaser at $259/mo. All USD list, verified 25 July 2026.
How much does Stripe Invoicing itself cost? Stripe Invoicing has no fixed fees or setup costs. Starter is 0.4% per paid invoice and Plus is 0.5% per paid invoice, with Stripe Payments pricing applying on top. Verified on stripe.com/invoicing/pricing, 25 July 2026.
Will chasing software email my clients from my own address? It depends on the tool. Stripe's reminders and most rules engines send from their own system. FetchDue sends from the Outlook or Microsoft 365 mailbox you already use, so the follow-up continues the existing thread under your own name.
Also worth reading: best invoice chasing software for QuickBooks, for Xero, for agencies, and the best Chaser alternatives in 2026. The head-to-heads are FetchDue vs Chaser and FetchDue vs Paidnice. If you want the mechanics rather than the comparison, see how it works.