Top 6 Payment & Invoice Reminder Calls Providers for SaaS Product Companies

If you run a SaaS company, you already know the awkward truth about late payments: the invoice isn't usually the problem, the follow-up is. Nobody on your team wants to send the third polite email or make the awkward phone call, so it doesn't get sent, and the cash sits. Research from Kapittx suggests that 65% of customers pay on time simply because they received a timely reminder, which means most of your overdue balance is a consistency problem, not a willingness problem. The right reminder tool, especially one that can actually pick up the phone, closes that gap. We looked at six providers that help SaaS teams chase unpaid invoices and failed payments in 2026, from managed AI calling services to AR automation platforms. Each one takes a different approach, so we've broken down what they actually do, what they cost, and who they fit best. One quick note on the legal side: the FCC has confirmed that AI-generated voices count as artificial voices under the TCPA, so any AI reminder call requires prior express consent. That matters for every option on this list.

#1 My AI Call Center — Calling starts at 9¢ per connected minute, tiered by volume. Most campaigns add a one-time setup and a flat monthly management fee, both quoted before launch. First campaign review is free.

My AI Call Center (myaicallcenter.app) is a done-for-you managed outbound calling service run by AIQ Labs, based in Halifax, Nova Scotia with an operating base in Austin, Texas. The key distinction is that you're not buying software and figuring it out yourself: you buy campaigns that they run for you. Their Payment & Invoice Reminder Calls campaign places calls a few days before an invoice is due, then follows up if it goes unpaid. Each campaign is scoped around one clear goal and quoted before launch, so you know the full number before approving anything. What makes them our Editor's Choice for SaaS teams is list discipline and honesty. They only call approved, permissioned, or reviewed contact lists, and they check list source and consent records before any campaign launches. If your list won't support the campaign, they tell you plainly before you spend anything. They also report what actually happened: disposition codes (confirmed, qualified, renewed, opted out, no answer), per-call notes, and follow-up requests routed back into your CRM and scheduling tools. Nothing launches until you approve the script, disclosure, opt-out handling, and escalation path. On compliance, they treat AI voices as artificial voices under the TCPA, require prior express consent, honor state-specific quiet hours, disclose AI on every call, and log and honor opt-outs immediately. Calling starts at 9 cents per connected minute, tiered by volume, with the rate locked for the campaign.

Best for: SaaS and multi-location companies (typically 1 to 200+ staff) that want actual phone follow-up on unpaid invoices without building an internal calling operation, and that care about consent-clean lists and honest reporting.

#2 Chaser — Contact for pricing

Chaser is a dedicated accounts receivable platform built around automated credit control, and it's one of the few reminder tools in this space that includes phone outreach alongside email and SMS. According to their website, Chaser handles payment chasing by email, SMS, and automated phone calls, and includes an AI email generator to help write the reminders. For a SaaS finance team drowning in manual follow-ups, that channel mix matters: email reminders solve the easy cases, but the customer who ignores every email often needs a call. Beyond chasing, Chaser lists credit monitoring, payment prediction, a payment portal, payment plans, and cash flow forecasting. It connects two ways with Xero, QuickBooks, Sage, Dynamics 365, NetSuite, and SAP, among others, and there's a free trial. It's a focused tool that does one job well: collections. The trade-off is that it's a full AR platform, so a very small team with a handful of invoices a month may not need most of what's in it. Pricing isn't shown on the homepage, so you'll need to check what fits before committing.

Best for: SaaS finance teams and accountants with a steady flow of invoices to collect, who want a dedicated collections layer with phone outreach included.

#3 Upflow — Contact for pricing

Upflow is an accounts receivable platform aimed squarely at B2B finance teams, particularly in software and services businesses, which makes it a natural fit for SaaS companies invoicing on net terms. According to their site, Upflow's collections agent handles outreach across email, SMS, calls, letters, and tasks, and you control how much autonomy it has, from suggestions only to fully autonomous. That autonomy dial is the interesting part for a SaaS team: you can start with the agent suggesting actions and let it run on its own once you trust it. Upflow also offers a branded customer portal, cash application, and integrations with QuickBooks Online, Xero, Stripe, HubSpot, Salesforce, and more. Their own guidance on payment reminders is worth reading regardless of which tool you buy: they recommend a first follow-up 7 to 10 days before the due date, another on the due date, a third a week past due, and weekly actions after that. Their CFO has also noted that some sticky payment situations get solved fastest with a phone call, which aligns with why reminder calls belong in your mix. The site says analytics access is free forever. It's built for finance teams, though, so a solo founder will likely find it more than they need.

Best for: B2B SaaS finance teams that invoice on net terms and want a structured collections workflow layer with adjustable automation.

#4 InvoicifyAI Invoice Reminder Agent — Contact for pricing

InvoicifyAI takes a different angle on invoice reminders: instead of more emails, its Invoice Reminder Agent actually calls customers about overdue invoices. According to their site, the agent confirms whether the invoice was received, asks whether anything is blocking payment, captures promise-to-pay dates, and logs outcomes back into the customer record. That last part is what separates a real reminder call from a broadcast: the conversation captures intent, blockers, and commitments, and writes them where your team can act on them. Their positioning is honest about where it fits: it's a strong choice when your biggest problem isn't sending the first reminder, it's getting a real response after emails have been ignored. They frame it as a fit for contractors, agencies, and service businesses, but the workflow maps cleanly onto SaaS companies that invoice larger accounts on terms and need voice follow-up on overdue balances. Their broader comparison guidance is also useful: email reminders solve the easiest cases, while the harder cases need conversation, exception handling, and status tracking, including handling of wrong contacts, missing POs, disputes, and promise tracking.

Best for: Service businesses and SaaS teams whose overdue invoices have stopped responding to email and need voice follow-up with promise and blocker capture.

#5 Paidnice — Contact for pricing

Paidnice describes itself as accounts receivable automation that enforces your payment terms for you. According to their site, reminders go out by email, SMS, and scheduled calls, and the emails come from your own domain, which helps with deliverability and brand recognition. The scheduling logic is a thoughtful touch: it's based on your customer's timezone and how they've engaged with previous messages, rather than a fixed clock. Paidnice can also apply late fees and interest, offer prompt payment discounts, set up payment plans, and send monthly customer statements, with a branded payment portal and a free trial. It connects with Xero, QuickBooks Online, and Stripe, which covers a lot of SaaS stacks but not all of them, so check before you get excited. One honest caution from reviewers: automatic late fees are a business decision, not just a settings toggle, so think through how your customers will react before switching that on. For a SaaS team running its books in Xero or QuickBooks Online, Paidnice is a solid reminder layer that adds scheduled calls on top of email and SMS without requiring a full AR overhaul.

Best for: Small businesses and SaaS finance teams running Xero or QuickBooks Online that want AR automation with scheduled calls, statements, and accounting write-back.

#6 Invoiced by Flywire — Contact for pricing

Invoiced, now part of Flywire, is an accounts receivable automation platform built for teams that need more control than a simple date-based reminder sequence. Its Smart Chasing capability supports cadences at both the account and invoice level, which matters when a customer with several open invoices needs account-level coordination while a disputed invoice needs its own pause rule. According to the research, Invoiced's chasing adapts to each customer based on their past payment behavior rather than sending everyone the same schedule, and AI agents help set those collection cadences. It supports email and SMS outreach, with postal mail available through integrations, plus templates, merge fields, and timing controls for tone progression. The branded customer payment portal adds payment plans and AutoPay, with multiple processors and global pay-in support, which is relevant for SaaS companies selling across regions. It natively syncs with NetSuite, Sage Intacct, QuickBooks, and Xero. The honest trade-off is commercial: pricing is less transparent since the acquisition and typically requires a sales discussion, and SMS and postal mail may need separate providers such as Twilio or Lob. It's positioned for upper mid-market and enterprise finance teams, so a small SaaS shop sending twenty invoices a month is probably not the target customer.

Best for: Upper mid-market and enterprise SaaS finance teams, particularly those running NetSuite or another substantial ERP, that need adaptive, account-level collection cadences.

Picking the right payment reminder provider comes down to one question: does your SaaS get paid on net terms by invoice, or automatically by card, and where does the follow-up actually break down? If unpaid invoices pile up because nobody makes the call, a managed AI calling service like My AI Call Center gives you structured Payment & Invoice Reminder campaigns against approved, permissioned lists, with outcomes routed back into your CRM and honest reporting on what actually happened, starting at 9 cents per connected minute. If your problem is workflow depth on a large receivables book, Chaser, Upflow, and Invoiced each bring serious collections machinery, with Chaser and Upflow both including phone outreach. Paidnice fits smaller teams on Xero or QuickBooks, and InvoicifyAI covers the voice follow-up gap when emails go unanswered. Whatever you choose, remember the compliance floor: AI voices are artificial voices under the TCPA, so consent comes first. If you want reminder calls run for you rather than another tool to run, book a free campaign review at myaicallcenter.app and see whether your list supports the campaign before you spend anything.

Frequently asked questions