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

Bilnex is an e-invoicing platform focused on making PDF and e-invoice sending fast and free. Chasivo is an invoice chasing platform with built-in invoicing. Bilnex solves the invoicing format problem. Chasivo solves the payment collection problem.

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Chasivo vs Bilnex: side by side

Capabilities	Bilnex	Chasivo
Primary function	Invoicing and payment management	Invoice chasing and collection with invoicing
Invoice creation	Full-featured. Recurring, quotes, credits, purchase orders, multi-currency, multi-language	Invoice creation with line items, tax, recurring, branded PDF, multiple types (Standard, Deposit, Milestone, Final)
E-invoicing compliance	Yes. Core feature. Peppol, Estonian e-invoice format, EU compliance	Not available. PDF invoicing only
Pricing	Free (with limitations from 2026 onward)	Free plan available. Paid plans from $19/month
Payment reminders	Not a core feature	AI-drafted follow-ups calibrated per customer based on payment history and escalation stage
Send from your own email	Not available. Delivers invoices via e-invoice network, not email	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	No	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
Accounting integrations	Finbite ecosystem. Merit accounting integration	CSV and Excel import. Direct integrations on the roadmap
Geography focus	Estonia and Baltics. EU e-invoicing compliance	Global

Where they diverge

Same audience. Two different jobs.

Different problems. Bilnex solves the e-invoicing format and compliance problem: sending invoices as structured XML through the Peppol network or Estonian e-invoice channels. Chasivo solves the payment collection problem: following up on unpaid invoices, scoring risk, and drafting chase emails. These tools address different stages of the invoicing lifecycle.

E-invoicing compliance. If you operate in Estonia or the EU and need Peppol-compliant e-invoicing, Bilnex handles that natively. Chasivo does not support structured e-invoice formats. It creates PDF invoices.

Collection capability. Bilnex is focused on getting the invoice delivered in the right format. It does not track whether the invoice gets paid, profile the customer’s payment behaviour, or generate follow-ups. Chasivo is focused entirely on what happens after the invoice is sent.

THE HONEST ANSWER

Choose based on your situation.

Bilnex is a better fit if:

You need e-invoicing compliance (Peppol, Estonian e-invoice format), operate primarily in the Baltics or EU, and your main concern is delivering invoices in the correct structured format. Late payment follow-up is handled manually or is not a significant issue.

Chasivo is a better fit if:

Your invoices are already going out (via Bilnex or any other tool), but the problem is getting them paid. You need AI follow-ups, risk scoring, and customer profiling on top of your existing invoicing workflow.

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

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

Try Chasivo now.