CANADIAN BUSINESS GUIDE · Reviewed September 21, 2026
Invoice collection software: what is the best fit for your business?
Start with the reason the invoice is unpaid. A scheduled reminder, a payment plan and specialist debt recovery solve different problems. The most expensive tool is not automatically the right one.
Is there a free option in Canada?
Yes. RemitRight has no business subscription or setup fee for invoice follow-up and optional payment plans. Zoho Invoice also offers free invoicing and automated reminders. Compare each product's workflow, customer plan fees and usage limits.
This comparison is published by RemitRight, one of the products included. It is based on the linked product pages, not independent hands-on testing of every competitor. Features and prices can change.
Four options worth comparing
These products have different scope. This is a fit comparison, not a recovery-rate ranking.
RemitRight
No business subscription or setup fee
- Consider it when
- A Canadian service business with an agreed overdue invoice and a customer who may need a practical way to pay.
- What it helps with
- AI text follow-up and optional 3- or 5-month payment plans. Review the invoice, customer details and conversation from your dashboard.
- Check before choosing
- Customers choosing a plan pay a 3% or 5% total plan fee. No advance of funds or guarantee of recovery.
Zoho Invoice
Free invoicing software
- Consider it when
- A small business that wants to create invoices and schedule reminders as part of its invoicing workflow.
- What it helps with
- Invoice creation, customer records and automated payment reminders. A sensible option if reminders meet your needs.
- Check before choosing
- Review usage limits, payment-provider costs and your preferred payment workflow. A free reminder tool is a real alternative; decide whether you also need conversational follow-up and installment plans.
Paidnice
Essentials: C$89/month; free trial
- Consider it when
- A business wanting receivables workflows connected to its accounting system.
- What it helps with
- Connects with Xero, QuickBooks Online and Stripe. Essentials lists up to 150 monitored invoices and 600 emails per month.
- Check before choosing
- Payment plans are listed in Pro. Check invoice volume, required tier, SMS charges and Canadian pricing before deciding.
Chaser
Paid subscription; check current quote
- Consider it when
- An accounts-receivable team needing broader workflow, reporting and credit-control tools.
- What it helps with
- Offers payment reminders, a payment portal, payment-plan management and forecasting. Scope and availability depend on the plan.
- Check before choosing
- Compare integrations, team needs and service add-ons. A larger suite may be a better fit when collection is one part of a wider finance operation.
Match the tool to what is holding up payment
The invoice was forgotten or went to the wrong person
Correct the billing contact, resend it and confirm receipt. Your existing invoicing tool may be enough.
The customer agrees they owe it but cannot pay at once
Offer clear installment terms and a voluntary checkout. RemitRight is designed for this conversation without a business subscription.
The customer disputes the work or says they already paid
Check the evidence and reconcile payments before more follow-up. Resolve the underlying issue with the owner.
You need cash immediately
Payment-plan software pays you as customers pay. It does not provide the upfront funding that financing or factoring may offer.
You need legal enforcement or have an approaching deadline
Seek appropriate professional help promptly. Software reminders do not enforce a judgment or preserve a claim.
What would a $1,200 invoice cost with RemitRight?
The business pays no RemitRight subscription or setup fee. Paying the full $1,200 has no RemitRight plan fee. If the customer chooses installments, the plan fee is applied once to the balance, not every month:
3 monthly payments
$412.00 each
$1236.00 total · $36.00 plan fee (3%)
5 monthly payments
$252.00 each
$1260.00 total · $60.00 plan fee (5%)
Examples show customer payment amounts in CAD; standard card processing applies. The customer must authorize the plan. The first payment is collected at checkout, with the rest scheduled monthly. Payments flow through your connected Stripe account. There is no upfront advance or guarantee that every payment will succeed.
Compare software with agencies, factoring and legal helpTry the workflow with one agreed invoice.
Create your account, add your business details and connect the Stripe account that receives payments. Upload an invoice or enter it manually, check the customer and outstanding balance, then review the follow-up. You do not need to move your whole customer list to get started.
Start free with RemitRightNo RemitRight business subscription or collection commission.