Automate Your Entire Collections Process
From first reminder to recovery and escalation — AutoSettle runs your collections workflow automatically.
AI decides what to do. Automation executes it. Your entire collections process — delivered at scale.
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Xero & QuickBooksAI → Automation → Recovery
AI Credit Controller
Decides recovery strategy
Analyse risk & prioritise
3 high-risk flagged
Send staged reminders
Firm reminder queued
Offer recovery options
Payment plan sent
Escalate if needed
Pre-legal triggered
£2.4m
recovered through AutoSettle
38,000+
automated recovery actions
94%
of invoices automatically actioned
Manual collections don't scale
Most businesses run collections manually — creating inconsistency, missed follow-ups, and slower recovery.
41 days
Average invoices overdue
5+
Manual follow-ups required per invoice
£65k
Average SME cash trapped in overdue invoices
68%
Of SMEs report cashflow problems from late payments
What is collections automation?
It's not just sending emails. It's not just scheduling reminders. Collections automation is a complete system that executes your entire recovery strategy — from first analysis to final resolution.
The AI Credit Controller decides what to do. Collections automation delivers it at scale — across every invoice, every debtor, every stage.
Monitors every invoice and debtor continuously
Executes staged recovery actions automatically
Triggers payment plans, settlements, and escalation
Adapts timing and approach based on debtor behaviour
Operates across your full accounts receivable — 24/7
Scales from 10 to 10,000 invoices with zero additional effort
Automation ≠ Reminders
Manually send reminders
Staged recovery executed automatically
Spreadsheet tracking
AI-powered risk analysis
Ad-hoc follow-ups
Structured escalation workflows
Hope they pay
Offer plans, settlements, and escalation
Automation across the full Recovery Engine
Collections automation doesn't just send messages. It executes every stage of the Recovery Engine — analyse, chase, recover, and escalate — all driven by AI decisions.
Analyse
Identify risk & prioritise
Automation starts with intelligence. AutoSettle scores every invoice and debtor, identifying who needs attention first — so nothing is chased blindly.
Chase
Automated staged reminders
Professional reminders are sent automatically, escalating in tone and urgency based on debtor behaviour, invoice age, and configured rules.
Recover
Payment plans & settlement offers
When full payment isn't coming, automation triggers structured repayment plans and settlement offers — giving debtors a path to resolve.
Escalate
Pre-legal workflows & legal referral
When standard recovery is exhausted, automation shifts to formal demands, pre-legal warnings, and referral to legal recovery partners.
Controlled automation, not spam
Every debtor follows a structured journey. Actions are triggered by time, behaviour, and invoice status — not random scheduling.
Friendly reminder
Email sent
Second reminder
Follow-up sent
Firm reminder
Tone escalated
Late fee notice
Penalty applied
Payment plan offer
Plan triggered
Final demand
Formal notice
Pre-legal warning
Legal referral prep
What triggers automation?
Time-based
Actions triggered by days overdue, stage duration, and configured intervals
Behaviour-based
Escalation triggered by debtor response patterns — opens, replies, silence
Risk-based
Recovery actions driven by AI risk scores and payment probability
Status-based
Automation responds to invoice status changes — partial payments, disputes, promises
One system, three channels, zero escape
AutoSettle fires email, SMS, and WhatsApp simultaneously at every recovery stage — applying maximum pressure across all channels.
Professional staged reminders with configurable tone and templates
SMS
Live98% open rate — cut through inbox noise with direct text messages
Direct mobile messaging via WhatsApp Business for maximum pressure
Automation Activity Feed
Email: Firm reminder sent to GreenBuild Ltd
2m ago
SMS: Payment demand sent to GreenBuild Ltd
2m ago
WhatsApp: Overdue notice sent to GreenBuild Ltd
2m ago
Payment plan offered to Abbey Construction
14m ago
Settlement accepted — £2,100 recovered
1h ago
Pre-legal warning queued for Carter & Webb
2h ago
Automation drives outcomes, not just communication
Collections automation doesn't stop at reminders. It triggers real recovery actions that get you paid.
Payment Plans
Automatically present structured repayment options when full payment isn't coming
Learn moreSettlement Offers
Trigger discounted settlement offers at the optimal moment based on risk
Learn moreDebtor Portal
Route debtors to a branded portal where they can view, choose, and pay
Learn moreLegal Escalation
Initiate pre-legal workflows and refer cases to legal partners automatically
Learn morePre-legal escalation, automated
When standard recovery is exhausted, automation shifts gear. The system switches tone, begins formal demand sequences, and prepares cases for legal referral.
This is pre-legal escalation — not a law firm. AutoSettle coordinates the process and connects unresolved cases with third-party legal recovery partners.
Automatic tone shift to formal, consequence-driven language
Final demand and Letter Before Action (LBA) sequences
Case pack generation for legal partner referral
Success-based fees — you only pay when funds are recovered
Pre-Legal Escalation Path
Stage 6
Final demand issued
Stage 7
Pre-legal warning sent
Stage 8
Formal Escalation Notice
Stage 9
Letter Before Action (LBA)
Referral
Case referred to legal partners
Scale without scaling headcount
Whether you have 10 invoices or 10,000 — automation executes the same structured workflow with zero missed follow-ups and consistent tone.
Consistent
Every debtor gets the same structured process
Always on
Runs 24/7 across your entire AR
Scales
No additional effort as you grow
Automation with control
You're always in charge. Override any decision, pause chasing, adjust workflows, or require manual approval before key actions.
Override decisions
Pause or redirect automation on any debtor
Adjust workflows
Change escalation speed, timing, and actions
Approval gates
Require manual approval before final demands
Full configuration
Controller personality, channels, and templates
Xero & QuickBooksConnect your accounts. Automation begins.
AutoSettle syncs directly with Xero and QuickBooks. Invoices import instantly, debtors are analysed, and your collections workflow starts running automatically — no setup friction.
Invoice sync in seconds
Overdue detection and risk scoring
AI analysis of payment behaviour
Collections automation starts immediately
Accounting Connected
Last sync: 2 minutes ago
247
Synced
23
Overdue
£12.4k
Recovered