Chaser vs PayPal Invoicing

PayPal Invoicing is free, trusted, and lets clients pay instantly. But when an invoice goes overdue, PayPal goes silent. Chaser is the layer that chases the payment — automatically.

Feature comparison

The PayPal invoicing gap

PayPal invoices are convenient — you can create one in minutes, the client gets a branded email with a Pay Now button, and the money arrives directly in your PayPal account. For clients who pay on time, it's a seamless experience.

The problem starts the day after the due date. PayPal doesn't automatically send a reminder. You'd have to manually resend the invoice or send a separate email. If you do nothing, PayPal does nothing — the invoice just sits in your “overdue” list indefinitely.

Chaser fills that gap. You add the overdue invoice to Chaser (takes 30 seconds), paste in the PayPal payment link, and Chaser sends escalating follow-ups at day 3, 7, 14, and 30 — each with a progressively firmer tone and a direct link to pay via PayPal.

The transaction fee question

PayPal charges around 3.49% + a fixed fee per transaction on invoices. For a $2,000 invoice that's ~$70 in fees. Chaser at $15/month is flat-rate and works with any payment processor — Stripe, bank transfer, PayPal, whatever your client prefers. If you're processing more than a few invoices per month, the math favours a flat-rate tool.

When to choose PayPal Invoicing

• You need a free, instant invoicing tool with built-in payment collection
• Your clients are set up with PayPal and prefer it
• You do occasional one-off invoices and clients reliably pay on time
• You need international payments in multiple currencies

When to choose Chaser

• You have clients who routinely pay late and need systematic follow-up
• You want follow-up emails sent from your domain, not from PayPal's
• You want to be notified every time a follow-up fires, without checking PayPal
• You'd rather pay $15/month flat than 3.49% per transaction