Best Invoice Collection Software for
Small Business Canada 2025
The four questions worth asking before you pick a tool, and a straight answer to each one for RemitRight.
What to compare
Who pays, and when
Monthly seat fee, percentage of what is recovered, or nothing at all
Ask what the tool costs on a month where you collect nothing, and whether the price changes with the size of the invoice. A subscription bills whether or not the invoice is ever paid. A contingency model takes a cut of the money you recover.
What your customer is actually offered
A reminder, or a way to say yes
Some tools only re-send the invoice on a schedule. Others can offer the customer a way to split the balance into automatic instalments. A customer who cannot pay the full amount today will ignore a reminder, whatever it is worded like.
Consent and opt-out
CASL applies to commercial messages sent to Canadians
Canada's Anti-Spam Legislation requires a commercial electronic message to identify the sender and to carry a working unsubscribe mechanism. Provincial collection rules add their own limits on contact. Ask the vendor to show you the exact message text and how an opt-out is recorded.
Where the money lands
Your account, or theirs first
Check whether payments settle into your own payment processor account or into the vendor's, and how long they sit there before they reach you. That single detail decides how quickly a recovered invoice turns back into cash.
What RemitRight costs
Your business is never billed and never asked for a card
If your customer pays the invoice in full, RemitRight earns nothing. We are only paid when a customer chooses to split the balance rather than pay it at once, and the convenience fee is added to what that customer pays:
- 3 automatic monthly payments: 3% added to the customer's total
- 5 automatic monthly payments: 5% added to the customer's total
Either way your business is invoiced for nothing and receives the full amount it billed. RemitRight is not a collection agency and does not buy or discount your invoice.
How RemitRight works
1. Add the overdue invoice
Upload it or enter the amount, the customer's name and their mobile number. There is no card to add and nothing to install.
2. The AI texts your customer
It asks for the balance, answers questions about the invoice, and offers to split it if paying in full is the problem. Replying STOP ends the messages.
3. The customer pays or picks a plan
Paying in full costs them nothing extra. Choosing a plan adds the convenience fee to their instalments and charges the card automatically each month.
Frequently Asked Questions
Is it really free for my business?
Yes. There is no subscription, no per-invoice charge and no percentage taken off what you recover. RemitRight earns a fee only when your customer chooses to split the balance, and that fee is added to the customer's side of the transaction.
Get started, free forever →What do I need to get started?
Your overdue invoice details, your customer's mobile number, and a Stripe account for the payment to land in. No technical skills and no credit card required.
See how it works →Is RemitRight a collection agency?
No. Your invoice stays yours, it is not sold, discounted or handed to a third party, and nobody takes a contingency cut of what comes back. RemitRight follows up on your behalf and gives the customer a way to pay.
Compare with a collection agency →Built for Canadian businesses — and free, always
Get started, free forever. Set up in minutes, send your first reminder, and your business never pays a cent.
Get started, free foreverNo credit card, ever