If you run Xero, you already own an invoice reminder feature. You write up to five templates, set the days they go out, and Xero sends them automatically. Plenty of businesses switch it on and find the money still arrives late.
That is not Xero failing at accounting. It is a schedule doing a job that needs judgement. The reminder that suits the customer who forgot is not the one for the customer who is avoiding you.
By Connor, founder of Heoka. Checked on 15 October 2026 against Xero's guide to setting up invoice reminders and turning reminders on or off.
Customers learn to ignore a template after the second one. A message that clearly came from a person who knows the account gets answered.
If late payment is an occasional nuisance rather than a monthly hole in the cash flow, the built-in reminders are already in Xero. Switch them on, set the days, and spend your time on something else.
If you are chasing most months, if the amounts would hurt to write off, or if the same names keep appearing on the overdue list, that is when a schedule stops being enough. Harness keeps Xero as the ledger and does the chasing on top of it, in words a person would sign.
Yes. Xero's help centre says you can set up to five invoice reminders, each with its own email template, to go a set number of days before or after the due date, and Xero sends them automatically. You can switch them off for a particular customer or invoice.
Because they are templates on a schedule: the wording and the days are whatever you set up front, and regular late payers learn to recognise and ignore them. A reminder that reads like it was written by a person who knows the account gets a reply more often than the third copy of the same letter.
No. Xero stays the ledger and the source of truth. Harness reads the overdue invoices from Xero, writes the chases, and queues them for your approval. Nothing is written back to the ledger, and nothing is sent until you approve it, unless you have let a routine reminder send on its own.
Three things. It reads the email history with each customer before writing, so the chase fits the conversation. It follows rules you set, such as who never gets chased and what tone to use. And it waits for a person to approve each message, unless you have let a routine reminder send on its own.
Connect Xero and your email, and tomorrow morning there is a queue of chases written in your tone, waiting for your tap. Seven days free. If the drafts do not read like you wrote them, cancel and pay nothing.