Accounts receivable collections, self-serve
Unpaid invoices, chased down properly.
Import your invoices. See who owes what, at a glance. Put the overdue ones on a sequence that chases politely, escalates firmly, and shows you every message it sent.
Free for 10 active invoices, no card and no demo call. Import a CSV and see your aging in about two minutes.
$17,880
Outstanding
$12,100
Overdue (4)
37.8
DSO, days
The actual problem
Nobody refuses to pay. They just... don't.
Late payment is rarely a fight. It's an invoice lost in an inbox, an AP run missed, a follow-up you kept meaning to send. The fix isn't a tougher email; it's follow-through that happens every time.
It's awkward
Asking twice for money already owed feels like an accusation, so the follow-up email gets drafted, softened, and not sent. A scheduled sequence has no feelings; it reads as "how this business runs", not "this person is upset with me".
It's draining
Chasing is repetitive, rule-following work that still costs an owner real hours every week, and it is the kind of work that gets put off precisely because it is unpleasant rather than because it is hard. That is exactly the shape of job software should own.
It gets forgotten
Most "late" invoices were never refused; they were forgotten, by their AP department and then by you. The week you're busiest is the week the chasing slips, and the slowest payers are the ones who notice.
How it works
From a CSV to a chasing machine, in one sitting
No demo call, no implementation project, no integration prerequisite. Import what you have; the system takes it from there.
- 1
Import your invoices
Upload a CSV from any invoicing system, connect Stripe, or add invoices by hand. No accounting-platform integration required to start.
- 2
See who owes what
Aging buckets, DSO and the overdue list are computed from your data the moment it lands, with the biggest, oldest balance flagged as the place to start.
- 3
Put overdue invoices on a sequence
The default ladder sends a heads-up before due, a friendly nudge at 3 days late, a firm second notice at 14, and a final notice at 30. You approve it before anything sends.
- 4
Replies come to you
Reminders carry your reply address, so answers land in your inbox where a human should take over. Every send is logged against its invoice.
The trust model
Built to show its work
Sequences that escalate on a schedule
A heads-up before due, a friendly nudge at 3 days late, a firm second notice at 14, a final notice at 30. You approve the ladder once; it climbs itself, and it stops the moment an invoice is paid.
Late fees with the statute cited
The fee engine computes from the terms agreed on your invoice, shows every step of the arithmetic, and puts the relevant state statute and citation next to the result. Where a rule could not be verified, it says verify with counsel, never a guessed number.
Every send, logged
Each message a sequence sends is recorded against its invoice: what went out, when, and which step of the ladder it was. When a customer says "first I'm hearing of this", you have the receipts.
Aging and DSO computed, never typed
The dashboard is derived from your invoice data on every view. Change a payment, and the buckets, totals and DSO move with it. If credit sales are zero, DSO reads undefined, not zero.
An API and MCP server, first-class
The same engine behind the app is a REST API and a hosted MCP server, so an AI bookkeeping agent can run collections the way a good finance person does. Test keys are free on every plan.
The free tools run in your browser
The calculators and the aging report generator call the engine client-side and make no server requests with your data, so the numbers you type never leave your machine. That claim is checkable in your network tab.
Instead of fake logos
We're new. Here's proof of work instead.
No borrowed testimonials, no wall of logos we haven't earned. What we can show you today is the depth of the thing itself: a statute library covering 51 states plus federal prompt-payment law, researched against official sources with citations and honest confidence grades, and a fee engine that derives every number in front of you.
- States covered
- 51 + federal
- Library compiled
- 2026-07-17
- Every entry carries
- Statute citations, source URLs, and a confidence grade
- When unverified
- The page says "verify with counsel", never a made-up number
Agents welcome
Callable by your code, or your AI bookkeeper
An AI agent running collections needs the same things a good finance person needs: the aging picture, a defensible late-fee number, and reminder copy in the right tone. Duebay ships the exact engine behind this site as a REST API and a hosted MCP server, and the compute endpoints answer without a key so an agent can try them mid-task.
- Single-key REST API + MCP server over invoices, aging, late fees, statutes and dunning drafts
- POST /api/v1/late-fee is keyless (throttled): terms in, fee + derivation + statute citation out
duebay api
$ curl https://duebay.com/api/v1/late-fee \
-H "Content-Type: application/json" \
-d '{"balance": 2350, "due_date": "2026-07-11",
"state": "CA",
"terms": {"type": "percent_monthly", "value": 1.5}}'
{
"fee": 7.96,
"days_overdue": 7,
"derivation": [
"Agreed rate: 1.5% per month, accrued per calendar month (not annualized to a daily rate).",
"Chargeable period Jul 11, 2026 to Jul 18, 2026 = 0 full months + 7 days of a 31-day month = 0.2258 months."
],
"statute": {
"state": "California",
"citation": "Cal. Const. art. XV, § 1"
}
}The category, priced honestly
Good products, priced for someone bigger than you
The established AR platforms are genuinely capable, and most gate their automation behind demo calls, revenue-based tiers, or three-figure monthly floors. Duebay is flat, self-serve, and free to start.
| Product | Entry price | How you buy | Full comparison |
|---|---|---|---|
| Upflow | Unpublished; tiers gated by your ARR | Demo call for all automation | Duebay vs Upflow |
| Chaser | From £199/mo (~$259) | Self-serve trial, revenue-tiered plans | Duebay vs Chaser |
| Kolleno | From €650/user/mo, €1M+ turnover required | Demo-led | Duebay vs Kolleno |
| Paidnice | From $69/mo | Self-serve, requires Xero or QuickBooks | Duebay vs Paidnice |
| Duebay | Free for 10 invoices; $29/mo flat for automation | Self-serve, live from a CSV in minutes | See pricing |
Competitor pricing last verified 2026-07-18 against each vendor's public pricing page; sources on each comparison page. Currencies as published by the vendor.
Pricing
Free for a small book. $29 when you want it automated.
Free runs a real receivables desk for 10 active invoices: import, aging, DSO, one-click manual reminders. Pro adds the part that makes collections a solved job: sequences that send on their own.
Free
A real receivables desk for a small book. No card, no demo call.
$0forever
- 10 active invoices
- CSV, Stripe or manual invoice import
- Aging dashboard and DSO, live
- One-click reminders you send yourself
+5 more
Start freePro
Most popularCollections that run themselves. For teams tired of chasing by hand.
$29/mo
- Unlimited active invoices
- Automated chasing sequences (set once, Duebay sends)
- Escalation from friendly nudge to final notice
- Aging and invoice CSV export
+1 more
Get ProScale
For bookkeeping firms and products built on the API.
$99/mo
- Everything in Pro
- 10,000 API calls/mo, then $0.02 each
- 300 requests/minute burst
- Hosted MCP at production quota
+1 more
Get ScaleFAQ
Common questions
What does Duebay actually do?
It keeps a live picture of who owes you what (aging and DSO computed from your imported invoices), and chases the overdue ones with an email sequence that escalates from a friendly nudge to a firm final notice on a schedule you approve. It also computes late fees from your agreed terms with the state statute cited, and exposes the whole engine as an API and MCP server for AI agents.
Do I need QuickBooks or Xero?
No. Duebay starts from a CSV export, a Stripe connection, or manual entry, so it works with any invoicing setup. We do not have QuickBooks/Xero OAuth sync yet and say so plainly on the pricing page.
Is the free plan actually useful?
Yes, deliberately. Free tracks 10 active invoices with full aging, DSO, the statement portal, and one-click reminders you send yourself. What free does not include is automation: sequences that send on their own are the paid feature ($29/mo).
Can I legally charge late fees on overdue invoices?
Usually, if they were agreed in advance and within your state's limits. Duebay's late-fee engine computes the fee from your agreed terms and shows the relevant state statute with its citation next to the result. Where a rule could not be verified it says "verify with counsel" rather than guessing. See the 50-state late fee library.
How is Duebay different from Upflow, Chaser, Kolleno or Paidnice?
Mostly in who it is built for. The incumbents are capable platforms priced for bigger companies: unpublished sales-led pricing at Upflow, from £199/mo at Chaser, from €650/user/mo with a €1M turnover minimum at Kolleno; Paidnice is self-serve from $69/mo but requires Xero or QuickBooks Online. Duebay is self-serve, free for a small book, $29/mo flat for automation, starts from a CSV, and ships a statute-cited fee engine plus a documented MCP server nobody else has. Full sourced comparisons are on the /vs pages.
Can AI agents use Duebay?
Yes, as a first-class use case. The engine is available as a REST API and a hosted MCP server; compute endpoints like the late-fee calculation answer without a key (throttled), and test keys are free on every plan. See /developers.
Stop drafting the awkward email
Import a CSV, see your aging in about two minutes, and put your first overdue invoice on a sequence. Free for 10 active invoices, no card.