UntilPaid: Automated Stripe Invoice Reminders That Escalate Until Clients Pay

UntilPaid connects to a Stripe account through Stripe's official OAuth flow and watches for invoices that go overdue. Once one does, it runs a three-step reminder sequence: a friendly nudge first, then a firmer follow-up carrying the payment link, then a final notice naming a deadline at least three days out. Each email sends under the user's own business name, with replies routed straight to their inbox, during the user's own working hours and timezone, so a client receiving one reads it as a message from the person they already work with, not an automated notice from a billing system. Access to Stripe data is read-only, limited to six specific endpoints: invoices, customers, invoice payments, payment intents, charges, and the account name used on the sender line. Stripe's own OAuth approval screen shows broader account permissions than UntilPaid actually calls, which is normal for Stripe's connection flow, and the product page lists the exact endpoints it reads so that claim can be checked rather than taken on faith. UntilPaid never moves money, creates a charge, issues a refund, or edits an invoice, and it stores no Stripe access token. The moment Stripe marks the invoice paid, the reminder sequence for that invoice stops, with no action required from the user.

Setup runs through Stripe's OAuth screen, with the site describing the whole process as a two-minute setup. Once connected, the default escalation ladder runs a friendly reminder on Day 1, a firmer one with the payment link on Day 5, a final notice on Day 10, and the optional access lock on Day 14, with every reminder carrying a stop link that lets a client opt out; unsubscribes and hard bounces are suppressed automatically from then on. The dashboard shows an activity log and a "Next email" view, so a freelancer or agency owner can see what is queued to send without needing to track it themselves. Disputed invoices are recognized and paused automatically, which keeps the sequence from chasing a client who already has a legitimate dispute open with Stripe.

Stripe's own built-in invoice reminders exist, but they repeat the same message on a schedule rather than building pressure. UntilPaid's sequence changes tone and content at each step, friendly first, firmer with the payment link next, and a final notice with a real deadline, which mirrors how a person would actually follow up rather than a system repeating itself. Compared to full finance platforms priced from roughly $69 to $300 or more a month, UntilPaid stays focused on this one job. For a freelancer or small agency whose actual need is overdue invoice follow-up rather than a full accounts receivable suite, that focus is the appeal: one thing, set up once, running automatically from then on.

The feature that sets UntilPaid apart from a plain reminder tool is the optional lock, available starting on the Pro plan. It connects to a client-facing resource, such as a staging site, a client portal, or another deliverable, through a signed webhook. If an invoice crosses its final deadline, the lock engages; the moment Stripe confirms payment, access restores automatically, with no manual step on either side. The lock is enabled individually for the clients where it is actually useful, not account-wide, so a freelancer can run the full reminder sequence for every client while reserving the lock for the one relationship that needs it. The design is built around keeping the relationship intact rather than escalating a conflict: the reminders stay plainly worded and come from the business itself, and the lock only ever engages after the final notice's own deadline has already passed, so a client sees it as the natural next step in a process they were already told about, not a surprise.

The clearest fit is a freelancer or Stripe-based agency that bills clients directly through Stripe and wants the follow-up handled without writing another awkward email. The Pro plan, built for agencies with its three seats, custom-domain sending, and access lock, fits a small team managing several client relationships at once. The Agency plan adds ten seats and API access for firms that want to pull UntilPaid's data into their own systems. The 14-day free trial includes three seats and no card requirement, which is enough time to connect a real Stripe account, let the reminder sequence run against an actual overdue invoice, and see whether the tone and timing match how the business already communicates with clients before committing to a paid plan.