Meet your AI Credit Controller
AutoSettle identifies overdue invoices and chases debtors across email, SMS, and WhatsApp simultaneously — applying maximum pressure so you recover cash faster with payment plans, settlements, and legal recovery.
Works with Xero, QuickBooks and Sage · 14-day free trial
Recovered this month
£12,480
Overdue invoices
£27,900
6 high-risk debtors need attention today
Your AI Controller: Ruby
Firm but professional · Active
£2.4m
recovered for businesses
38,000+
reminders sent
94%
invoices actioned automatically
Unpaid invoices wreck cashflow
Businesses lose momentum when customers ignore invoices and teams have to chase awkwardly by hand.
£47k average
Cash tied up
Stuck in unpaid invoices
34 days
Average days overdue
Before payment arrives
1 in 5
High-risk customers
Will pay very late or not at all
8+ hrs/week
Hours wasted
Manually chasing payment
Let AI settle the money for you
AutoSettle is not just reminder software. It analyses behaviour, identifies real risk, creates smart chasing plans, processes payments, and helps settle overdue invoices faster.
How AutoSettle works
Three steps. No complexity. No awkward chasing.
Connect your accounting software
Link Xero, QuickBooks, or Sage in under two minutes. AutoSettle imports your invoices automatically.
AI decides who needs chasing
AutoSettle analyses payment behaviour, scores risk, and builds a smart chasing strategy for every debtor.
AutoSettle chases across every channel
Your AI Credit Controller fires email, SMS, and WhatsApp messages simultaneously — escalating pressure, offering payment plans and settlements, and recovering the money.
Maximum pressure across every channel
Your AI Controller fires Email, SMS, and WhatsApp simultaneously for every recovery stage — so debtors can't ignore you.
Your AI Controller detects an overdue invoice and fires…
Professional, multi-stage recovery emails with tracked opens, link clicks, and smart follow-ups.
SMS
98% open rate. Cuts through inbox noise and lands directly on the debtor's phone with a payment link.
High-pressure direct messaging via WhatsApp. Maximum visibility with read receipts and instant engagement.
All 3 channels fire simultaneously
Debtors receive email, SMS, and WhatsApp within seconds of each other
3x
More touchpoints per stage
98%
SMS open rate
<10s
Delivery across all channels
Choose your AI Credit Controller
Name your controller, pick a personality, set the tone. Deploy a digital collections operator that works 24/7.
Choose from preset names or create your own
Set personality: Firm, Friendly, or Balanced
Control escalation speed
Auto-send or approve-first mode
Everything you need to recover invoices
Multi-channel debt recovery across email, SMS, and WhatsApp — powered by AI risk intelligence.
AI Risk Scoring
Predict who will pay late
Smart Chasing Plans
Custom strategies per debtor
Debtor Portal
View, pay, or respond
Payment Plans
Flexible repayment offers
Settlement Offers
Resolve disputes faster
Stripe Payments
Collect via card or bank
Legal Recovery
Partner-led legal escalation
Recovery Analytics
Track everything recovered
Escalation Engine
Friendly → firm → final demand
Email Chasing
Professional multi-stage reminders
SMS Chasing
98% open rate — cuts through inbox noise
WhatsApp Chasing
Direct mobile messaging for maximum pressure
Cashflow Dashboard
Total visibility
Behaviour Tracking
Spot patterns early
Audit Trail
Full compliance record
Invoice Monitoring
24/7 overdue detection
From chasing invoices to settling debt
AutoSettle doesn't just remind people to pay. It gives your debtors multiple ways to settle — so you actually recover the money.
Direct payment
Debtors pay instantly through your portal or payment link. Card, bank transfer, or direct debit.
Payment plans
Can't pay in full? AutoSettle offers structured repayment plans automatically. Recover more with flexibility.
Settlement offers
Offer a discount for fast resolution. Debtors accept and pay through the portal. Disputes resolved quickly.
Legal recovery
Escalate difficult debts to our legal recovery partners. We coordinate the process on your behalf with success-based fees.
Two ways to collect payments
Keep using your existing invoice payment links, or upgrade to AutoSettle Payments for more control and recovery options.
Original payment links
Keep using your Xero, QuickBooks, or Sage payment links. AutoSettle will include them in reminders and track when invoices are marked as paid.
- Works with existing setup
- No payment processing changes
- Invoice tracking included
AutoSettle Payments
Powered by Stripe Connect. Collect card and bank payments directly through the debtor portal. Unlock payment plans, settlement offers, and real-time reconciliation.
- Debtor portal payments
- Payment plans & settlements
- Stripe payouts to your account
- Real-time payment tracking
Know who is actually a problem
AutoSettle tracks which customers always pay late, are slipping, may default, or need faster escalation.
GreenBuild Ltd
CriticalAbbey Construction
HighNorthside Legal
MediumOakley Motors
LowCarter & Webb
MediumSummit Scaffolding
HighFull escalation across every channel
Each stage fires email, SMS, and WhatsApp simultaneously — applying maximum pressure at every step.
Friendly reminder
Second reminder
Firm reminder
Late fee notice
Payment plan offer
Settlement offer
Final demand
Pre-legal warning
Escalate difficult debts with Legal Recovery
When standard chasing fails, we connect your case to our legal recovery partners and manage the process on your behalf. Success-based fees — you only pay when funds are recovered.
Partner-led legal escalation for larger debts
Formal legal notices and court proceedings if required
Success-based fees — no recovery, no charge
Full case tracking and event timeline
Example legal recovery
Connects to tools you already use
AutoSettle integrates with your accounting software, payment systems, and communication channels.
Xero
QuickBooks
Sage
Stripe
GoCardless
Gmail
Outlook
Simple, fair pricing
Start recovering debt from £39/mo. Multi-channel chasing on every plan. No hidden fees.
Starter
For small businesses starting debt recovery
£39/mo
£7.80 per recovery / month
- 1 User · 1 Workspace
- Email, SMS, WhatsApp & Letters
- AI Controllers (Ruby, Mason, Alex)
- Payment Plans & Settlement Offers
- Debtor Portal
- Late Fees & Interest
- Up to £5k active invoices
Physical Letters — Separate Credit Balance
Buy credit packs and use them as needed. Letters are dispatched via Royal Mail. Credits never expire.
£1.50
per letter
Legal Recovery Add-On
Escalate difficult debts to our legal recovery partners. Success-based fees from 12.5% — you only pay when funds are recovered.
From
12.5%
of recovered value
Businesses trust AutoSettle
"AutoSettle recovered £18,000 in the first month. We'd been chasing that money for months."
Sarah M.
MD, Construction firm
"I used to dread chasing invoices. Now Ruby handles it and I focus on running the business."
James T.
Founder, Digital agency
"The payment plan feature is a game-changer. Customers who couldn't pay in full are now settling over time."
Priya K.
Finance Director, Manufacturer
Questions answered
Is AutoSettle just invoice reminder software?
No. AutoSettle is a full AI Credit Controller and multi-channel debt recovery platform. It chases debtors via email, SMS, and WhatsApp simultaneously, analyses payment behaviour, scores risk, escalates pressure, offers payment plans and settlements, processes payments through Stripe Connect, and supports legal recovery escalation.
Can debtors pay through AutoSettle?
Yes. With AutoSettle Payments powered by Stripe Connect, debtors can pay directly through the debtor portal via card or bank transfer. Payments are reconciled automatically.
Can I offer payment plans?
Yes. AutoSettle can automatically offer structured payment plans to debtors who can't pay in full. You choose the terms, and debtors pay instalments through the portal.
Can I offer a settlement?
Yes. You can create settlement offers with a discount for fast resolution. Debtors accept and pay through the portal. Great for resolving disputes quickly.
What is Legal Recovery?
Legal Recovery is for larger unpaid debts where standard chasing has failed. We connect your case to our legal recovery partners and manage the process on your behalf. Success-based fees from 12.5%–20% with a £750 minimum.
Do I have to stop using Xero payment links?
No. You can keep using your existing Xero, QuickBooks, or Sage payment links. AutoSettle includes them in reminders. Or upgrade to AutoSettle Payments for more control.
How does Stripe Connect work?
When you enable AutoSettle Payments, you connect your Stripe account. Debtor payments flow through Stripe to your bank account with full reconciliation and payout tracking.
How does AI decide who to chase?
AutoSettle analyses payment history, invoice age, debtor behaviour, and risk signals to prioritise who needs chasing and what approach to use.
Can I control the tone?
Yes. Choose from Friendly, Balanced, or Firm modes. You can also customise individual message templates across email, SMS, and WhatsApp.
Does AutoSettle send SMS and WhatsApp messages?
Yes. AutoSettle fires email, SMS, and WhatsApp messages simultaneously at every recovery stage — applying maximum pressure across all channels. SMS and WhatsApp use the debtor's mobile number and are sent alongside email automatically.
Does it work with Xero and QuickBooks?
Yes. AutoSettle is an official Xero App Partner and integrates fully with QuickBooks Online. Also supports Sage. Connect in under two minutes.
Can I review messages before they send?
Yes. Choose auto-send mode or approval-first mode where you review and approve each message.
How do payment plans work?
AutoSettle can offer structured repayment plans (e.g. 4 monthly payments) automatically when an invoice is significantly overdue. Debtors pay instalments through the portal.