InvoiceSherpa and ti3 sit at different points on the same curve. InvoiceSherpa is an accounts receivable automation tool: reminders, autopay, recurring charges and a branded customer portal, priced by how many open invoices you carry. ti3 is a structured 5-week recovery program for the invoices that are already overdue and not moving. If most of your invoices slip a few days and a nudge fixes them, InvoiceSherpa. If you have invoices sitting at 30, 60 or 90 days where reminders have stopped working, ti3.
Disclosure: ti3 is our product. We’ve tried to be fair to InvoiceSherpa, including where it’s the better choice, and every InvoiceSherpa fact below comes from InvoiceSherpa’s own pricing page as of October 2026 unless we say otherwise.
Side-by-side comparison
| ti3 | InvoiceSherpa | |
|---|---|---|
| Starting price | $49/mo Self-Serve, from $499/mo Managed | $49/mo Sole Proprietor (up to 100 open invoices), $99/mo Small Business (101 to 500), $199/mo Enterprise (unlimited); lower monthly rates on yearly billing |
| Transaction fee | None | 1% on invoices paid, waived for payments processed through its partner Propelr |
| What it’s built for | Recovering invoices that are already overdue | Getting invoices paid on time, every billing cycle |
| Recovery model | First-party 5-week structured sequence that ends in a decision | Ongoing automated reminder workflows |
| Reminder channels | Email and SMS, plus an optional formal Final Demand Notice | Email and SMS |
| Recurring billing and autopay | Not a feature | Yes, a core strength |
| Where the customer pays | A self-serve page for that debt, linked from every reminder | A branded customer portal showing all their invoices |
| Payment plans and settlements | Payment plans within your rules, settlement discounts and counter-offers you approve | Installment plans and late fees |
| Recovery analysis | Free estimate of recoverable balance from your aging report | Not a published feature |
| Final Demand Notice | Yes, as an optional sixth step | Not a published feature |
| Where the money goes | Straight to your merchant account or wallet; ti3 never holds funds | Through the payment processor you connect |
| Data in | QuickBooks 1-click, Stripe, Excel, CSV | QuickBooks Online, Xero, Clio |
| Free trial | Yes (Self-Serve, up to 10 invoices for one full 5-week cycle) | Yes (14 days) |
| Best for | Closing stuck overdue accounts | Reducing routine late payments |
Sources: InvoiceSherpa pricing, G2 InvoiceSherpa reviews, ti3 pricing.
Where InvoiceSherpa wins
-
It works before an invoice is late. Autopay, recurring charges and scheduled reminders reduce how many invoices go overdue in the first place. ti3 doesn’t try to do that job. If your problem is volume of small slips rather than a few stuck accounts, prevention is worth more than recovery.
-
A full customer portal. Your clients log in, see every open invoice and pay from one place. ti3 gives the customer a self-serve page for the specific debt being recovered, which is the right shape for recovery but not a replacement for an account portal your clients use every month.
-
Every feature on every tier. InvoiceSherpa’s three plans differ by open-invoice count, not features. At $49/mo for up to 100 open invoices, a small operation gets the whole product. Watch the 1% transaction fee on paid invoices, though: on $40,000 a month in collected invoices that’s $400, which can cost more than the subscription unless you route payments through Propelr.
Where ti3 wins
-
Reminders aren’t the same as recovery. InvoiceSherpa sends reminders on a schedule for as long as you let it. ti3 runs a sequence with a shape and an end: five reminders over five weeks by email and SMS, each firmer than the last, with an optional Final Demand Notice as a sixth step and Case Resolution to record the next step if the invoice is still unpaid. Reminders work when the problem is forgetfulness. They don’t work when the customer has decided you’re the bill they can push back, which is where ti3 starts.
-
More ways for a stuck customer to say yes. Every ti3 reminder links to a self-serve page where the customer can pay in full, pay part, set up a payment plan within your rules, take a settlement discount you’ve offered, or propose a counter-offer you approve in one click. A customer avoiding one large balance often takes one of those routes when a plain “please pay” gets ignored.
-
Free recovery analysis before you pay. Send your aging report to /analysis/ and we’ll come back within 48 hours with an estimate of what’s recoverable and which accounts are likely write-offs. InvoiceSherpa assumes every invoice is worth the same reminder.
-
No transaction fee. ti3 charges a flat monthly fee and takes nothing from what you recover, and the money goes straight to your own merchant account or wallet. Our pricing page has what each plan includes.
Buyer-specific verdict
If your overdue invoices are mostly 1 to 21 days late and a reminder fixes them: InvoiceSherpa. It’s built for exactly that, and our guide to automated invoice reminders covers how to set any reminder tool up well.
If you have invoices stuck past 30 days that reminders aren’t moving: ti3. The structured sequence and the decision at the end are what close those accounts.
If you need a customer portal or recurring billing as part of the workflow: InvoiceSherpa.
If you’re an MSP recovering retainer non-payment: ti3, with MSP-specific guidance in the MSP client collections guide. A gentle reminder loop is rarely enough once a retainer client is 60 days behind.
Frequently asked questions
Can I use both tools?
Yes, and it’s a sensible pattern. InvoiceSherpa handles routine reminders, autopay and recurring billing. ti3 takes the accounts that didn’t respond and runs them through a structured recovery sequence. Different stages of the same curve. Just stop InvoiceSherpa’s reminders on an account once it moves into ti3, so the customer isn’t getting two sets of messages.
Does ti3 send SMS reminders?
Yes. Both tools send email and SMS. The difference isn’t the channel, it’s what the messages do: InvoiceSherpa repeats a reminder, ti3 escalates over five weeks and gives the customer concrete ways to resolve the debt.
Which one’s cheaper for a small business?
At the entry tier both are $49/mo, but InvoiceSherpa adds a 1% fee on paid invoices unless you use its payment partner. The decision shouldn’t come down to price. Reminders for routine late payments point to InvoiceSherpa. Structured recovery for stuck accounts points to ti3.
Is ti3 worth adding if I already use InvoiceSherpa?
If you have accounts past 30 days that aren’t moving, yes. Otherwise stay with what’s working. ti3 isn’t a better InvoiceSherpa; it’s the next stage when reminders have run out.
What happens if my customer disputes the invoice?
In ti3 the customer can raise a dispute from their self-serve page, and it’s logged against the account. The sequence keeps running while you answer the dispute in writing. It only pauses if you agree the dispute is valid and pause it yourself, so a vague complaint can’t become an easy way to stall payment.
Does ti3 phone my customers?
No, never. ti3 works by email, SMS and the self-serve page. For owner-operators whose customers are also their pipeline, a call from a stranger can cost more than the invoice. If one account needs a call, it’s yours to make. Our guide on chasing invoices without losing the client explains the reasoning.
What happens after week 5 if the invoice still isn’t paid?
You choose the next step in Case Resolution: send the Final Demand Notice if you haven’t already, hand the account to a lawyer or a collection agency, or write it off. ti3 records the decision, but it doesn’t practise law or collect on your behalf. If you’re weighing the agency route, read when to send an unpaid invoice to collections first.
Where to go next
If you have stuck invoices past 30 days right now, run them through ti3’s free analysis. It tells you which accounts are worth a structured sequence and which to write off.
If you mostly need reminders flowing and your overdue accounts rarely cross 30 days, InvoiceSherpa’s 14-day trial is the right way to evaluate it.
For the broader playbook, read the small business AR recovery complete guide.
Sources
- InvoiceSherpa pricing (tiers, open-invoice limits, 1% transaction fee, features, trial), checked October 2026
- G2 InvoiceSherpa reviews
- ti3 pricing (plans, free trial, Final Demand Notice)
Where we stand: ti3 is our product, so weigh the “where ti3 wins” section with that in mind. We build first-party recovery software. We are not a collection agency, we don’t practise law, and nothing here is legal advice. InvoiceSherpa’s plans and prices change; check their site before you buy.