Free while in beta · No card needed
Late payers owe you interest. Claim it in one click.
LatePilot connects to Xero, finds every overdue invoice and works out the interest and fixed sum UK law gives you. Add it to Xero as an invoice, or send a polite reminder, without doing the maths.
- Set up in 2 minutes
- Nothing changes in Xero unless you click
- Disconnect any time
The problem
The law lets you charge for late payment. Almost nobody does.
Chasing feels awkward
So the reminder waits another week, and the customer learns that paying late costs them nothing.
The maths is fiddly
A rate fixed per half-year, interest by the day, and a £40, £70 or £100 fixed sum per invoice. Few people work it out.
Xero won't do it for you
Adding interest to late invoices is Xero's most-requested missing feature: 1,118 votes, and no plans to build it. See the request
What one late invoice is worth
A £5,000 invoice paid 60 days late (due in the second half of 2026):
- Interest, 60 days at 11.75%
- £96.58
- Fixed sum (£1,000 to £9,999.99)
- £70.00
- You can claim
- £166.58
UK small businesses with unpaid invoices are owed over £21,000 each on average (QuickBooks, 2025).
How it works
Keep invoicing in Xero. LatePilot shows you what to claim.
Connect Xero
Sign in with your Xero account. Two minutes, no password to create, nothing to install.
See what you're owed
Every overdue invoice, grouped by customer, with the statutory interest and fixed sum worked out to the penny.
Claim it
Add it to Xero as a draft invoice in one click, or send a polite reminder from your own email. You stay in control.
What you get
Firm on the facts, friendly in tone
Add the interest to Xero
One click creates a draft invoice in Xero for the interest and fixed sums, one per customer. You approve and send it as usual.
UK law built in
8% over the Bank of England base rate, fixed for each debt as the Late Payment Act requires, plus the £40, £70 or £100 fixed sum.
One email per customer
Three overdue invoices, one polite reminder that lists them all. Friendly, firm or final, and it suggests which.
Knows what you've sent
Mark a reminder as sent and LatePilot remembers it, suggests the next step and when it's due.
Your name, your customers
Reminders come from your business and replies go to you. LatePilot never contacts anyone else or handles money.
Already using Xero's reminders?
Keep them. LatePilot adds what they can't do.
| Feature | Xero alone | With LatePilot |
|---|---|---|
| Works out UK statutory interest and the fixed sum | No | Yes |
| Adds the interest to Xero as an invoice | No | Yes |
| One reminder per customer listing all overdue invoices | No | Yes |
| Sends reminders automatically on a schedule | Yes | Soon |
The law is changing
Claiming interest is about to become normal
The Commercial Payments Bill, introduced to Parliament in May 2026, proposes to make statutory late-payment interest mandatory, with no opting out by contract, and to cap large companies' payment terms to small suppliers at 60 days.
It isn't law yet and details may change. What already applies today: under the Late Payment of Commercial Debts (Interest) Act 1998, you can claim 8% over the base rate plus a fixed sum on every late business invoice.
Pricing
Free while in beta. Founding customers keep £19 for life.
Founding
10 places£19 / month
First 10 businesses. Free until automatic sending launches, then this price for life.
- Everything in Business
- Direct line to the founder
- Shape what gets built
Business
£39 / month
One Xero organisation
- Interest and fixed sums, added to Xero
- Unlimited reminders
- Automatic sending (soon)
Bookkeeper
£99 / month
Up to 10 client organisations
- Everything in Business
- One login for all clients
- Per-client settings (soon)
No card during the beta. Prices exclude VAT. Cancel any time.
See what your late payers owe you
Connect Xero and your number appears in about a minute. Free, no card, disconnect any time.
Connect Xero, free"I'm building LatePilot with its first ten customers. Founding customers get my direct line, and what you ask for shapes what gets built next."
Not on Xero? Get an email when other accounting software is supported
Questions
Is it really free?
Yes, while LatePilot is in beta: no card, no trial clock. Founding customers keep £19/month for life once automatic sending launches, and you can disconnect at any time.
Is it safe to connect Xero?
You sign in with Xero itself; LatePilot never sees your password. It reads invoices and contacts. It only creates something in Xero when you click Add to Xero, and then only a draft you approve. Your data stays in the EU (AWS Frankfurt), and one click disconnects LatePilot and deletes your account.
Isn't this already in Xero?
Xero sends reminder emails, one per invoice. It doesn't work out or add the interest and fixed sum UK law lets you claim; that's its most-requested missing feature. LatePilot does that, and writes one reminder per customer. You can keep using Xero's own reminders alongside it.
Will charging interest upset my customers?
It's your choice, per reminder. Many businesses mention the amount they could claim and offer to waive it if the invoice is paid by a date, which tends to speed up payment without souring the relationship.
Is LatePilot a debt collection agency?
No. It is software for your own reminders about your own invoices, sent in your name. It never collects or holds money and never acts for you in a dispute.
When does automatic sending arrive?
It's next. Founding customers get it first and help shape it. Until then, LatePilot drafts each reminder and you send it from your own email in one click.
Xero is a trademark of Xero Limited. LatePilot is an independent product and is not affiliated with, endorsed or sponsored by Xero. General information, not legal advice.