
Chase invoices without living in Xero (US freelancers and small agencies)
You can chase invoices from a PDF, Docs, PayPal, or bank transfer. Xero is optional. A four-stage follow-up that runs without you is not.
Tactics and teardowns on late-fee law, invoicing UX, and building a freelance business that pays.

You can chase invoices from a PDF, Docs, PayPal, or bank transfer. Xero is optional. A four-stage follow-up that runs without you is not.

There's no single federal late-fee law for US freelancers. Here's the contract convention (1.5% per month), state usury caps you need to know about, and the escalation ladder that actually gets clients to pay.

Every UK freelancer can legally charge £40–£100 plus 8% + BoE interest on overdue invoices, but almost nobody does. Here's the exact framework, and how to apply it without sounding like a debt collector.

The typical freelance invoice is a PDF attachment and a hope. Your client's pay page is where the actual conversion happens, and small changes there move average-days-to-payment more than anything else you can do upstream.