Get paid faster.
Even from clients who stall.

UntilPaid follows up on overdue Stripe invoices: polite, then firm, then a final notice with a date. If they still don’t pay, the work pauses until they do.

Start my free 14-day trial Watch the 45-second film

No credit card · Cancel anytime · Reads only, never moves money

See how it works

A 45-second film: one overdue invoice, six weeks of follow-ups, and what UntilPaid does instead.

What happens once an invoice is overdue

You set the schedule and write the emails

Choose which days each reminder goes out and write every message yourself. Reminders only send during your business hours, in your timezone.

  • The client’s name, amount, due date and pay link fill in automatically
  • Reminders stop the moment Stripe marks the invoice paid

The exact reminder your clients receive, sent to your inbox.

Escalation rules4 steps9:00–17:00, Mon–Fri
Day 1
Friendly emailA quick reminder about invoice INV-2038
Email
Day 5
Firm email with the pay linkInvoice INV-2038 is now overdue
Email
Day 10
Final notice with the dateFinal notice: invoice INV-2038
Email
Day 14
Lock accessSigned webhook to your app
Webhook

Reminders come from your business

Clients see your business name, and their replies land in your inbox. On Pro and Agency, reminders can come from your own domain.

  • A stop link on every reminder sent from our address
  • Unsubscribes and hard bounces are suppressed automatically
From
Your Agency Studio via UntilPaidYour Agency Studio <billing@youragency.com>
Reply-to
ruth@youragency.com
To
Lou Pacheco
Sent
Mon 09:02Inside your send window, 09:00–17:00 Mon–Fri
Subject
Invoice INV-2038 is now overdue

Hi Lou, invoice INV-2038 for $4,800.00 was due on September 30, 2026 and is still unpaid.

Stop all payment reminders from Your Agency Studio: untilpaid.com/u/…

No UntilPaid footer: it’s your own mail, from your own server.

If they still don’t pay, their access pauses

This is the last step, and you choose which clients it applies to. Once the date in the final notice passes, UntilPaid sends a signed webhook and your app locks a staging site, a client portal or a deliverable. When they pay, a second webhook unlocks it.

  • Only for clients whose contract allows it: you switch each one on
  • The final notice names the date, at least three days ahead
  • A disputed invoice pauses chasing until you’ve looked
ActivityNew York time

Today

Ostrander Law paid
INV-2041, after the Day 5 email
Dockside Boxing access locked
INV-2038, Day 14
Halvorsen Dental
INV-2035, Day 5 email sent

Yesterday

Halden & Roe
INV-2044, Day 1 email sent

Day 14 · Lock accessPOST /your-endpoint

{
  "event": "invoice.access_revoke",
  "stripeInvoiceId": "in_1Qk8aZ…",
  "amountDue": 480000,
  "currency": "usd"
}

Paid · UnlockPOST /your-endpoint

{
  "event": "invoice.access_restore",
  "stripeInvoiceId": "in_1Qk8aZ…",
  "reason": "paid"
}

Signed with your secret in x-untilpaid-signature-v1, so your endpoint can verify it’s really us.

What are late payers costing you?

Move the sliders to match your business.

Around 30% is typical for agencies billing through Stripe.

That’s $72,000 a year arriving late, and the longer an invoice sits, the less of it you ever collect.

Start free trial

Stuck in overdue invoices

Invoiced per month$20,000
Share paid late× 30%
$6,000of your money, every month

How UntilPaid compares to Stripe’s reminders

Stripe’s built-in remindersFree with Stripe

  1. Day 1A polite reminder
  2. Day 5The same polite reminder
  3. Day 14The same again. No escalation, no lock.

UntilPaidPro plan, $79 a month

  1. Day 1A friendly email
  2. Day 5A firmer email with the pay link
  3. Day 14Their access is locked until they pay

Finance platforms are the other route: built for finance teams, with statements, ledgers and dashboards you don’t need, at $69–300+ a month. UntilPaid does this one job, set up in two minutes. See how they compare

What happens when I connect Stripe?

Here’s exactly what UntilPaid does with the connection, and what it never does.

Stripe’s official OAuth

Connecting runs through Stripe’s official OAuth, the same screen you’ve used for other Stripe tools. Stripe only offers this kind of connection with full account access, so its screen asks you to approve more than we use.

We only read

UntilPaid only ever reads your invoices and customers: it never moves money, creates charges or refunds, or edits an invoice, and Stripe never shares full card numbers with anyone.

Leaving deletes your data

Your invoices stay entirely in your Stripe account. If you leave, one click in Settings permanently deletes your data, keeping only a one-way fingerprint of clients who opted out and your trial start date. We never store a Stripe access token, and mail credentials and webhook signing secrets are encrypted before they’re stored.

Every request UntilPaid makes to your Stripe account

  • GET/v1/invoicesFind overdue invoices and see when they’re paid
  • GET/v1/customersYour client’s name and email, for the reminder
  • GET/v1/invoice_paymentsSpot a payment that’s already on its way
  • GET/v1/payment_intentsCheck whether that payment is still processing
  • GET/v1/chargesNotice when a payment is disputed
  • GET/v1/accountsYour business name, for the sender line

That’s the whole list. No request ever creates, changes or deletes anything in your account.

Plans start at $29 a month

Every plan starts with a 14-day free trial, no card needed. Recovering one $1,000 invoice covers a year of Pro.

  1. Today

    Connect Stripe and set your rules

    Two-minute setup. Your escalation ladder goes live immediately.

  2. Day 5

    Your first reminders have gone out

    First follow-ups have already gone out. Many invoices get paid right here.

  3. Day 14

    Your trial ends

    Pick a plan to keep chasing. Skip it and reminders pause: no card on file, nothing charged.

Starter

$29/mo

Billed monthly

For freelancers running a handful of invoices.

Start free trial
  • Email escalation ladderIncluded
  • Quiet hours and daily Stripe syncIncluded
  • Unlimited invoices and sequencesIncluded
  • Lock access webhookNot included
  • White-label sendingNot included
  • Team seats1
  • API accessNot included
  • Priority supportNot included
  • SMS escalation Coming soonNot included

ProBest for agencies

$79/mo

Billed monthly

The full ladder, including locking out clients who don’t pay.

Start free trial
  • Email escalation ladderIncluded
  • Quiet hours and daily Stripe syncIncluded
  • Unlimited invoices and sequencesIncluded
  • Lock access webhookIncluded
  • White-label sendingIncluded
  • Team seats3
  • API accessNot included
  • Priority supportNot included
  • SMS escalation Coming soon100/mo

Agency

$149/mo

Billed monthly

For larger shops that integrate collections into their own stack.

Start free trial
  • Email escalation ladderIncluded
  • Quiet hours and daily Stripe syncIncluded
  • Unlimited invoices and sequencesIncluded
  • Lock access webhookIncluded
  • White-label sendingIncluded
  • Team seats10
  • API accessIncluded
  • Priority supportIncluded
  • SMS escalation Coming soon500/mo

SMS, coming soon

SMS escalation is not live yet: we’re completing carrier registration. No plan is billed for it until it ships, and email reminders are unlimited on every plan today. When it lands, Pro includes 100 messages a month and Agency 500; beyond that it’s 5¢ per message sent, with yearly plans granted 1,200 (Pro) or 6,000 (Agency) a year.

Seats

A seat is one person you invite into your workspace, with their own sign-in and role, and pending invites count against the total. Starter is a single user; Pro includes 3 seats and Agency 10.

Trial and billing

The 14-day trial includes 3 seats so a team can evaluate together. Moving to Starter afterwards leaves 1. No card is needed to start, and billing runs through Polar, our merchant of record, who handles VAT and sales tax worldwide.

Questions people ask before connecting Stripe

Something else? Email hello@untilpaid.com and I’ll answer it myself, or read the guide.

Is it safe to connect my Stripe account?

Yes. You connect through Stripe’s official OAuth. Stripe grants this kind of connection full account access, but UntilPaid only ever reads your invoices and customers: we never move money or change invoices, and Stripe never shares full card numbers with anyone. See exactly what we do with the connection, and what we never do.

Will it spam my clients?

No. You control the cadence, messages only send during your business hours and timezone, every reminder sent from our address carries a link to stop them, and hard bounces on those are suppressed automatically. The moment an invoice is paid, the sequence stops. (SMS is coming soon; STOP replies will be suppressed the same way.)

What happens if a client still doesn’t pay?

On Pro and Agency, the last step can lock their access: we send a signed webhook and your app locks what you choose, typically a staging site, a client portal or a deliverable, until they pay. It only applies to clients you’ve switched on because your contract with them allows it, and only after a final notice that names the date at least three days ahead, with a link to dispute the invoice. Access comes back the moment they pay.

Do I need to use Stripe for invoicing?

Yes — UntilPaid is Stripe-native. If you bill clients through Stripe, you’re set. If you use Xero or QuickBooks instead, a tool built for those will fit you better.

Who handles my subscription payment?

Checkout and billing for paid plans run through Polar, our merchant of record. They process your card and handle VAT and sales tax worldwide. Your clients’ invoices stay entirely in your Stripe account; we only ever read them.

Can I cancel anytime?

Anytime, self-serve. One click in Settings permanently deletes your account and data. Apart from the billing records the law requires, and our security logs and backups until they rotate out, we keep only two things: a one-way fingerprint of each client who opted out, so they’re never contacted again, and when your free trial started.

JonasFounder, UntilPaid
Prague

I built UntilPaid after chasing a $4,000 invoice for six weeks. The client wasn’t angry and they weren’t broke — the invoice just kept sliding down their inbox, and I dreaded writing each follow-up more than they dreaded paying it.

When the money finally landed I added up the hours I’d spent being my own collections department, and got annoyed all over again. So I built the tool I wanted back then: it chases politely, escalates firmly, and never finds it awkward. I still run it on my own invoices.

Your overdue invoices won’t chase themselves.

UntilPaid will. Connect Stripe to get started.

Start my free 14-day trial

No credit card required · Cancel anytime