Stop chasing overdue invoices. Get paid automatically.
collect.ac syncs with Xero and chases every overdue invoice for you — across email, SMS and letters — until it’s paid. So your cash comes in without the awkward follow-ups.
Syncs with Xero · Email, SMS & letters · Card payments that reconcile themselves
Invoice INV-1042
$4,200 overdue 21 days
- Day 1 — reminder emailDelivered
- Day 7 — SMS nudgeDelivered
- Day 14 — formal letterQueued
- Paid in full$4,200
Late payments are quietly draining your cash flow
Doing it by hand doesn’t scale — and the invoices you forget to chase are the ones that never get paid.
Chasing eats your week
Someone has to remember who owes what, then write the awkward email. Again.
Cash flow takes the hit
Every invoice sitting past due is your money funding someone else’s business.
Invoices slip the cracks
Without a system, the quiet non-payers are the ones who never get followed up.
No idea where you stand
Spreadsheets don’t tell you what’s been sent, what’s working, or what’s at risk.
How it works
From overdue to paid, on its own
1. Connect Xero
Two-way sync pulls in your invoices and contacts automatically — and keeps them current.
2. Set your chase flow
Build a sequence once — a friendly email, then an SMS, then a letter — on the schedule you choose.
3. Get paid
Debtors pay online by card. Payments reconcile straight back to Xero and the invoice closes itself.
Features
Everything it takes to get paid
One platform for the whole collection lifecycle — synced, automated, and reconciled.
Two-way Xero sync
Invoices and contacts flow in; status and payments flow back. No double entry, no drift.
Email, SMS & letters
Reach debtors on the channel that actually gets a response — with delivery tracking on each.
Versioned automation flows
Design multi-step sequences, publish a version, and let the engine enrol overdue invoices for you.
Invoice lifecycle tracking
Every invoice moves through chase, paused, disputed or hardship — automation pauses when it should.
Pay-now by card
Stripe-powered payment links settle the invoice and reconcile the balance instantly.
Roles, audit & security
Role-based access, 2FA, and an audit log of every action. Your ledger, locked down.
Payment plans
Split an overdue balance into scheduled instalments — debtors opt in, each payment reconciles back to Xero.
Pricing
Priced around your ledger
Plans scale with the volume you’re collecting. Talk to us and we’ll size the right one with you.
Starter
Small teams getting their chasing under control.
Let’s talk
- Xero sync
- Email chasing
- Up to 250 active invoices
- Standard support
Growth
Growing businesses that want it fully automated.
Let’s talk
- Everything in Starter
- SMS + letter channels
- Versioned automation flows
- Pay-now by card
- Priority support
Scale
High-volume ledgers and multi-entity teams.
Let’s talk
- Everything in Growth
- Unlimited invoices
- Public REST API + webhooks
- Roles, audit & SSO
- Dedicated onboarding
Questions, answered
Which accounting system do you work with?
Xero, with full two-way sync — invoices and contacts in, status and payments back. More integrations are on the roadmap.
What channels can I chase on?
Email and SMS, each with delivery tracking. Build them into a single automated sequence.
Can my customers pay online?
Yes. Every chase can carry a Stripe pay-now link; payment reconciles to the invoice and back to Xero automatically.
Is my data secure?
Role-based access, two-factor auth, encrypted credentials, and an audit log on every action. Each business’s data is fully isolated.
How long does setup take?
Connect Xero and publish your first flow in minutes. We’ll walk you through it on the demo.
See your overdue ledger on autopilot
A 20-minute walkthrough with your own invoices in mind. We’ll show you exactly how collect.ac would chase and recover what you’re owed.
- Live Xero sync, set up in front of you
- Build a real multi-channel chase flow
- Watch a payment reconcile end-to-end
- Straight answers on pricing for your volume