Your AI Credit Controller.
Running Your Entire Recovery Process.
From analysing debtors to chasing payments, offering recovery options, and escalating when needed — all automated.
The brain behind your Recovery Engine. Not just reminders — a complete digital credit controller.
14-day free trial · 14-day free trial
Xero & QuickBooksAI Credit Controller
Managing entire recovery workflow
AI escalated GreenBuild Ltd to Stage 4
2m ago
Payment plan offered to Abbey Construction
14m ago
Settlement accepted — £2,100 recovered
1h ago
Risk score updated: Carter & Webb → High
2h ago
£2.4m
recovered through AutoSettle
38,000+
recovery actions executed
94%
of invoices automatically actioned
Credit control shouldn't require a team
Manually chasing invoices is slow, inconsistent, and impossible to scale.
£65,000
Average SME cash tied up in overdue invoices
41 days
Average late payment delay
5+
Reminders typically required before payment
8+ hrs
Wasted every week manually chasing
What is an AI Credit Controller?
It's not just email automation. An AI Credit Controller is a digital operator that manages the full lifecycle of debt recovery — from first analysis to final resolution.
It makes decisions based on rules and data. It analyses debtor behaviour, chooses escalation timing, offers recovery options, and triggers legal workflows — all without manual intervention.
Manages the full recovery lifecycle — analyse, chase, recover, escalate
Makes intelligent decisions based on debtor behaviour and risk
Chooses the right tone, timing, and escalation path automatically
Activates payment plans, settlements, and legal workflows
Operates 24/7 across your entire accounts receivable
Fully configurable — adapts to your business rules
AI Controller · Decision Engine
Sync
Invoice synced from accounting software
Analyse
AI scores risk & debtor behaviour
Decide
Recovery strategy selected
Execute
Actions triggered automatically
Adapt
Strategy adjusts to debtor response
Resolve
Payment received or case escalated
The brain behind your Recovery Engine
The AI Credit Controller doesn't just send messages. It orchestrates every stage of the Recovery Engine — making decisions, triggering actions, and adapting strategy in real time.
AI Credit Controller
Orchestrates all four stages
Analyse
Analyse risk & debtor intelligence
Scores every invoice, identifies late payers, and surfaces risk before you need to chase.
Chase
Staged communication & escalation
Sends the right message, at the right time, with the right tone — automatically escalating when needed.
Recover
Payment plans & settlement offers
Offers structured repayment plans and settlement discounts to debtors who can't pay in full.
Escalate
Pre-legal workflows & legal referral
Triggers formal demands and refers unresolved cases to legal recovery partners automatically.
Controlled automation, not random messaging
Every stage has defined tone, timing, and actions. The controller executes a structured escalation — fully configurable to your business.
Friendly reminder
Email sent
Second reminder
Follow-up
Firm reminder
Tone shift
Late fee notice
Penalty applied
Payment plan offer
Plan triggered
Final demand
Formal notice
Pre-legal warning
Legal referral
Intelligent decisions, not static workflows
The AI Credit Controller doesn't follow a fixed script. It evaluates debtor behaviour, risk signals, and payment patterns to decide the next best action — in real time.
Decides when to send reminders based on debtor patterns
Determines when to escalate tone and urgency
Triggers payment plan offers at the right moment
Activates settlement offers based on recovery probability
Initiates legal referral when all other paths are exhausted
AI Decision Log
Controller evaluated 12 debtors and took 8 actions in the last hour.
Escalated to Stage 4
GreenBuild Ltd — No response after 3 reminders
Offered payment plan
Abbey Construction — Partial payment history detected
Held escalation
Oakley Motors — Payment promise received
Triggered settlement
Carter & Webb — Risk score: Critical
Three recovery strategies. One system.
Ruby, Mason, and Alex aren't just templates — they're behavioural strategies. Each controller approaches debtors differently based on calibrated risk and relationship dynamics.
Ruby
Assertive & Escalation-FocusedEscalation-first strategy
Direct, firm communication that demands attention. Best for high-risk debtors who need clear consequences.
Meet Ruby
Mason
Friendly & Relationship-DrivenRelationship-first strategy
Warm, empathetic outreach that preserves client relationships while consistently moving towards payment.
Meet Mason
Alex
Balanced & AdaptiveAdaptive strategy
Reads debtor signals and adapts approach dynamically. The ideal all-rounder for mixed portfolios.
Meet AlexBuild your own AI Credit Controller
Every business has a different tone. Create custom controllers with your preferred name, personality, and recovery strategy. The system adapts to your business style.
Choose a name, avatar, and personality
Define tone and communication style
Set escalation rules and timing
Configure stage-specific templates
Clone from existing controllers as a starting point
Custom Controller Builder
Controller name
Sophie — Credit Controller · Investigations
Tone
Professional, empathetic, firm when needed
Escalation speed
Moderate — 5 day intervals
Recovery strategy
Payment plan at Stage 4, settlement at Stage 5
Override decision
Pause chasing on GreenBuild Ltd
Adjust flow
Skip Stage 3 for VIP clients
Review before send
Approval mode enabled for final demands
AI assists. You control.
The AI Credit Controller automates the work, but you're always in charge. Override any decision, pause chasing on specific debtors, adjust escalation flows, or require manual approval before key actions.
Override AI decisions at any stage
Manually intervene on individual cases
Set approval gates before final demands
Pause and resume automation per debtor
Scale credit control without scaling headcount
Whether you have 50 invoices or 5,000 — the AI Credit Controller manages every one with the same consistency, follow-through, and attention to detail.
Consistent execution
Every debtor gets the same structured escalation. No invoices fall through the cracks.
Always on
Runs 24/7 across your entire accounts receivable. No holidays, no sick days.
Scales with you
Handles hundreds or thousands of invoices without adding headcount.
The controller activates every recovery tool
Payment plans, settlements, debtor portal, legal escalation — the AI Credit Controller triggers them all automatically based on debtor behaviour.
Payment Plans
Auto-offers structured repayment when full payment isn't possible
Learn moreSettlement Offers
Triggers discounted settlement at the optimal moment
Learn moreDebtor Portal
Routes debtors to a branded portal to take action
Learn moreLegal Recovery
Escalates unresolved cases to legal partners automatically
Learn moreXero & QuickBooksBuilt for Xero & QuickBooks
Connect Xero or QuickBooks and the AI Credit Controller starts managing your recovery process immediately. Invoices sync, risk is scored, and automation begins — within minutes.
AI Controller ActiveFrequently asked questions
What does the AI Credit Controller actually do?
The AI Credit Controller manages your entire recovery workflow — from analysing debtor risk and sending staged reminders, to offering payment plans, triggering settlement offers, and escalating to legal recovery. It's a complete digital credit control team.
Can I customise how it behaves?
Yes. Choose from three built-in controllers (Ruby, Mason, Alex) or clone your own persona. On top of that, the Workflow Library lets you build unlimited named chase sequences — pick which stages appear, how many times each one sends, the gap between every step, and which channels fire — then assign any workflow per debtor or by rule.
Does it replace manual credit control?
For most businesses, yes. The AI handles the full lifecycle — analysis, chasing, recovery, and escalation. You retain full override control and can intervene at any point.
How does it decide when to escalate?
The controller uses debtor behaviour signals, invoice age, payment history, and risk scoring to determine when to move between stages. Each escalation is rule-based and fully configurable.
Can I create my own controller?
Absolutely. Create custom controllers with your preferred name, tone, avatar, and recovery strategy. Define exactly how your AI credit controller communicates and escalates.
Does it work with Xero and QuickBooks?
Yes. AutoSettle connects directly to Xero and QuickBooks Online. Invoices sync instantly and the AI Controller starts managing recovery immediately.
Can it offer payment plans automatically?
Yes. When configured, the controller automatically offers system-recommended payment plans via the debtor portal. Debtors accept, store their card, and instalments are collected via Stripe Connect.
Is there a free trial?
Yes. AutoSettle offers a 14-day free trial with full access to all features. 14-day free trial.