Summary
- Stripe’s built-in reminders work for simple cases: a handful of overdue invoices a month and customers who pay on time.
- Stripe covers scheduled emails and card retries: reminders before, on or after the due date, Smart Retries for failed cards, and marking invoices uncollectible at 30, 60 or 90 days.
- Stripe doesn’t do the harder jobs: replying to customers, changing the wording as invoices age, raising late fees or sending a letter before action.
- Three invoice chasing tools for Stripe users compared: Trove for the long tail of invoices Stripe’s reminders don’t catch, LedgerUp for replacing your whole invoicing process, Chaser for more debtor features such as early payment discounts.
- Prices range from £50/month to $500/month: Trove from £50, Chaser from £199 and LedgerUp from $500.
How Stripe overdue invoice reminders work
Stripe has three native tools for getting paid.
- Overdue invoice reminders. Switched on in your billing settings, for unpaid one-off invoices, on all Stripe Invoicing plans.
- You choose when each one goes: before, on or after the due date.
- You can send more than one.
- Stripe won’t send a reminder if a payment is already processing.
- Smart Retries for failed card payments. Stripe picks the best time to try again. The default is 8 tries within 2 weeks, and Stripe says it recovers 38% of failed payments on average (Stripe Invoicing).
- Marking invoices uncollectible. You can do this once they’re 30, 60 or 90 days past due. Source: Stripe’s automatic collection docs.
What Stripe’s invoice reminders don’t do
Stripe dunning is built around scheduled emails and card retries. Stripe’s documentation doesn’t describe:
- Reading a customer’s reply.
- Setting an expected payment date from it.
- Chasing a different contact.
- Raising a late fee.
- Sending a letter before action.
Those are the jobs you do manually today.
By default, Stripe doesn’t retry failed Direct Debit payments (ACH Direct Debit is the exception). If your customers pay by Direct Debit, a failed payment can sit unnoticed.
How to automate Stripe invoice follow-up: what to look for
To automate Stripe invoice follow-up properly, start with the essentials.
Must-haves:
- Syncs invoices and payments from Stripe.
- Stops reminders the moment an invoice is paid.
- Sends from your own domain.
Nice to have:
- Replies are read and acted on.
- Reminders vary by customer.
- Late fees can be raised.
- You can see which customers are slipping.
For the wider picture, see our credit control software guide.
Invoice chasing software for Stripe users compared (2026)
| Stripe reminders | Trove | Chaser | LedgerUp | |
|---|---|---|---|---|
| Price | Included with Stripe Invoicing, all plans | From £50/month | From £199/month | From $500/month |
| Handles replies | Not in docs | Yes, sets payment dates from replies | Not stated | Drafts replies to customer billing emails |
| Late fees | Not in docs | Yes | Yes | Not stated |
| Free trial | n/a | 30 days | 10 days | 14 days |
| Best for | A handful of invoices, prompt payers | Collecting the long tail of invoices Stripe’s reminders don’t catch | Teams that want more debtor features, such as early payment discounts | Replacing the whole invoicing process, not just dunning |
Trove for Stripe: features and pricing
Trove connects to Stripe alongside Xero, QuickBooks and FreeAgent, on every plan including Essential.
What syncs from Stripe: invoices, customers, payments and credit notes. When a Stripe invoice is paid, the chase stops, and Trove can send your customer a thank-you message.
What Trove does on top of reminders:
- Drafts personalised emails.
- Handles PO requests.
- Sets payment dates from customer replies.
- Raises late fees.
- Sends letters before action.
Trove’s data across thousands of overdue invoices shows 58% paid after one reminder and 80% after two. A chasing tool matters most after that second reminder, when a fixed schedule stops being enough and replies need handling.
Plans are fixed, with no revenue bands (all ex VAT):
| Plan | Price |
|---|---|
| Essential | £50/month |
| Integrated | £135/month |
| Advanced | £285/month |
See credit control software pricing compared for how that sits against Chaser and Kolleno.
Try Trove with Stripe free for 30 days
Trove runs a free 30-day trial and takes about 15 minutes to connect to Stripe. If you’re weighing up trials, here are credit control software free trials and how to use them. You can start a free trial here or book a demo if you’d like to see it first.
