COMPARE

Chasivo vs Xero: What’s the best Invoice chasing tool?

Xero is a cloud accounting platform with invoicing, bank reconciliation, and financial reporting. Chasivo is an invoice chasing platform with built-in invoicing. Xero tracks your finances. Chasivo tracks your unpaid invoices and automates the follow-up.

Start free

Chasivo vs Xero: side by side

Capabilities	Xero	Chasivo
Primary function	Cloud accounting with invoicing	Invoice chasing and collection with invoicing
Invoice creation	Full-featured. Templates, recurring, quotes, purchase orders, multi-currency	Invoice creation with line items, tax, recurring, branded PDF, multiple types (Standard, Deposit, Milestone, Final)
Accounting features	Bank reconciliation, expense claims, payroll (region-dependent), fixed assets, tax reporting	Not an accounting tool. Supports invoice and payment management with AR-focused reports
Payment reminders	Invoice reminders with basic scheduling. Same content for all customers	AI-drafted follow-ups calibrated per customer based on payment history and escalation stage
Send from your own email	No. Sends from Xero	Yes. Sends from your own Gmail via OAuth
AI follow-up drafts	No	Yes. AI drafts with tone calibration and rejection feedback loop
Risk scoring	No	0 to 100 risk score per invoice, calculated before the due date
Customer profiling	Basic customer records	AI-generated payment profiles: average days to pay, warmth score, reliability rating
Per-customer chasing modes	No	Autopilot, Copilot, or Manual per customer. Invoice-level pause
Integrations	Large app marketplace. 1,000+ integrations	CSV and Excel import. Direct integrations on the roadmap
Reporting	Comprehensive accounting reports	Five AR-focused reports exportable as PDF or CSV

Where they diverge

Same audience. Two different jobs.

Accounting versus collection. Xero is where you record financial activity: invoices sent, payments received, bank transactions reconciled, taxes calculated. Chasivo is where you act on unpaid invoices: scoring risk, drafting follow-ups, tracking customer payment behaviour, and sending from your own email. They solve adjacent problems.

Follow-up intelligence. Xero’s invoice reminders send on a fixed schedule with static content. Chasivo’s AI drafts adapt per customer. A first nudge at day 5 reads differently from a third follow-up at day 30. The AI uses the customer’s payment history, not a calendar rule, to determine timing and tone.

Complementary use. Many Chasivo users will continue using Xero for their accounting. Export invoice data from Xero as CSV, import into Chasivo, and let the collection layer handle the follow-up process. Direct Xero integration is on the roadmap.

THE HONEST ANSWER

Most people need both.

Xero is a better fit if:

You need a cloud accounting system with bank feeds, reconciliation, payroll, and tax reporting. Invoice reminders on a fixed schedule are sufficient for your collection needs.

Chasivo is a better fit if:

Your accounting is handled, but getting paid on time is the problem. You want AI follow-ups, risk scoring, and customer profiling on top of your invoicing workflow. Chasivo works alongside Xero, not instead of it.

Chasivo vs Xero: which one should you pick? It depends on the job you are hiring the tool for. Chasivo vs Xero comes down to whether you need to get invoices paid (Chasivo) or something Xero does as its primary job. Read the side-by-side above and pick the tool that matches your actual workflow.

Can Chasivo and Xero work together? In many cases, yes. Chasivo vs Xero is not always either-or. Keep Xero for what it does well, add Chasivo for the follow-up work that Xero does not handle natively.

Try Chasivo now.