Guides
Practical ways to get invoices paid faster — the timing, the scripts, and your options when a customer won't pay.
How to chase an overdue invoice — steps, scripts and timing
A practical sequence for chasing overdue invoices in New Zealand: when to email, when to pick up the phone, what to say, and when to escalate.
How to set up and send Xero invoice reminders
Turn on Xero's automatic invoice reminders, set a schedule that gets read, and send or resend one by hand. Plus what to do when customers ignore them.
When Xero invoice reminders aren't enough
Your Xero reminders are on and the invoice is still unpaid. How to tell a delivery problem from a customer ignoring you, how many reminders to send, and the phone follow-up that moves a stuck invoice.
Xero overdue invoice report: the free, ranked chase list
Xero tells you what is overdue. Gary's free report tells you who to ring first: every invoice ranked, days overdue on each line, and every customer's average days to pay. Plus what each Xero report shows and how to export the rest.
Getting paid as a tradie: chasing invoices in NZ
How NZ tradies can chase unpaid invoices without losing jobs or evenings: terms that protect you, a follow-up routine, and your options when a customer won't pay.
Overdue invoice email templates NZ — reminder to final notice
Free copy-and-paste email templates for chasing overdue invoices in New Zealand: a friendly reminder, a firm follow-up, and a final notice before you escalate.
How much interest can you charge on overdue invoices? (NZ)
New Zealand has no statutory interest on unpaid invoices, so you can charge what your terms of trade say. How to set a rate that holds up, and what to do next.
Customer won't pay an invoice? Your options in NZ
A step-by-step path for New Zealand small businesses when a customer won't pay: final notice, the Disputes Tribunal, debt collection, and how to keep the relationship where you can.
Can you take an unpaid invoice to the Disputes Tribunal? (NZ)
The Disputes Tribunal cannot help with a debt the customer admits and simply hasn't paid. Which unpaid invoices it will hear, what the $60,000 limit and fees are, and where an admitted debt goes instead.
How to ask a customer to pay an invoice politely
Word-for-word ways to ask for payment without souring the relationship: what to say by email and on the phone, and when to firm up.
Invoice recovery vs debt collection: which do you need?
The difference between recovering an overdue invoice and sending it to a debt collector in New Zealand — the cost, the cut, what it does to the customer relationship, and when each one is the right call.
Improve cashflow by getting invoices paid faster (NZ)
Unpaid invoices are the biggest drain on small-business cashflow in New Zealand. Practical ways to shorten the gap between sending an invoice and being paid, without chasing every night.
How to reduce aged receivables (NZ)
An aged receivables collection routine that works: how to read the ageing buckets on your report, which overdue invoices to chase first, and a weekly habit that shrinks the 60 and 90-day columns.
What payment terms should you use? (NZ)
What the common New Zealand payment terms really cost you, why the 20th of the month following can mean a 50-day wait, and what your terms of trade should say.
Set 20th of the month following (EMO20) on a Xero contact
Where the default due date lives on a Xero contact, which dropdown option gives you the 20th of the month following (EMO20 / EOM+20), how to change it for every customer at once, and what the term costs you in waiting days.
How to credit check a customer (NZ)
How to credit check a New Zealand business in ten minutes: the free Companies Office and PPSR checks, when a paid credit report is worth it, and when a deposit beats both.
Is it safe to connect an app to Xero? Permissions explained
What you agree to when an app asks for access to your Xero, Fergus or Google: how permission scopes work, read versus write, how to check what you have already granted, and how to revoke it.