Understand How Your Debtors Actually Pay
AutoSettle analyses real payment behaviour to help you decide when to chase, when to offer, and when to escalate.
Not charts or reports. Predictive intelligence that drives every recovery decision.
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Xero & QuickBooksBehaviour Intelligence
Usually late
7
debtors
Avg delay
18d
across portfolio
Predicted overdue
5
this week
Slipping speed
3
debtors worsening
GreenBuild Ltd
Usually late
Hartley & Co
Slipping
Apex Digital
Silent
AI Decision
"GreenBuild's payment speed has increased by 12 days this quarter. Escalating tone for next reminder."
£2.4m
recovered through AutoSettle
82%
average recovery rate
3x
faster payment collection
Traditional credit control is guesswork
Most businesses guess when to chase, treat all debtors the same, and react to late payments instead of preventing them.
The result: delayed payments, poor recovery rates, and wasted effort on the wrong debtors.
Reminders sent too late
No data on when each debtor actually responds
All debtors treated the same
No differentiation between reliable and risky payers
Risky debtors missed
Payment speed declines go unnoticed until it's too late
Recovery timing is random
No intelligence behind when to escalate or offer plans
Guesswork vs Intelligence
Without
Guess when to chase
With AutoSettle
Chase based on payment behaviour data
Without
Treat all debtors the same
With AutoSettle
Tailor approach to each debtor's patterns
Without
React after invoices are overdue
With AutoSettle
Predict delays before they happen
Without
Escalate based on gut feeling
With AutoSettle
Escalate based on behavioural signals
Without
No visibility into debtor patterns
With AutoSettle
Full behavioural profiles per debtor
Know your debtor before you act
Every debtor has a behavioural profile built from real payment data — average days to pay, late payment trends, reliability indicators, and engagement with communications.
Hartley Construction Ltd
Behaviour profile
Avg days to pay
34
↑ 8 days vs last quarter
Late payment rate
72%
of invoices paid late
Reminder response
Low
Ignores first 2 reminders
Reliability score
32/100
Declining trend
AI Recommendation
"Hartley responds after the 3rd reminder. Recommend offering payment plan at Stage 3 to accelerate recovery."
Every profile tracks
Behavioural profiles update continuously as new data comes in — getting smarter with every payment cycle.
Average days to pay
How long each debtor typically takes to settle invoices
Late payment trends
Whether payment speed is improving or declining over time
Reliability indicators
Consistency of payment behaviour across all invoices
Communication engagement
How debtors respond to reminders, emails, and portal invitations
Risk signals
Behavioural patterns that predict future late payments
Recovery probability
Likelihood of collecting based on historical behaviour
Act at the right time, not randomly
Behaviour intelligence tells you exactly when to send reminders, when to escalate tone, when to offer payment plans, and when to escalate legally.
Every recovery decision is backed by data — not guesswork.
When to send the first reminder — based on debtor responsiveness
When to escalate tone — based on engagement patterns
When to offer payment plans — based on payment ability signals
When to offer settlements — based on recovery probability
When to escalate legally — based on behaviour deterioration
Behaviour-Driven Decisions
Day 3
Friendly reminder sent
Debtor usually responds within 5 days
Day 10
Firmer follow-up
No response — matches 'usually late' pattern
Day 18
Payment plan offered
Behaviour indicates cash flow difficulty
Day 30
Escalation triggered
Silent for 20 days — matches escalation threshold
Powers the full Recovery Engine
Behaviour intelligence feeds every stage of the recovery process — from risk scoring to legal escalation.
Analyse
Risk scoring & insights
Behaviour data feeds risk scores — so you know which debtors need attention before invoices become overdue.
Chase
Timing & tone of communication
Behaviour intelligence decides when to send reminders, how firm to be, and which channel to use.
Recover
Structuring plans & offers
Payment plan amounts, settlement discounts, and timing are shaped by how each debtor actually pays.
Escalate
When pressure is needed
Escalation timing is driven by behaviour data — debtors who ignore reminders are escalated sooner.
Real-time intelligence
Behaviour profiles update continuously as payments happen, reminders are sent, and debtors interact. The intelligence adapts and improves over time.
Updates with every payment received
Adapts as debtor behaviour changes
Improves predictions with more data
No manual reporting or exports needed
Segment & prioritise
Group debtors by behaviour. Identify high-risk accounts. Focus on likely payers vs problem debtors — smarter workload prioritisation.
Behaviour Segments
Smarter recovery. Better results.
Behaviour intelligence means every recovery decision is informed by data — leading to higher recovery rates and less wasted effort.
Higher recovery rates
Right action at the right time
Better timing
Chase when debtors are most likely to respond
Reduced guesswork
Data-driven decisions, not gut feeling
Less wasted effort
Focus on the right debtors first
Built for businesses that recover
If you're chasing overdue invoices and want to know exactly what to do next, behaviour intelligence gives you the answers.
Businesses chasing overdue invoices
Know which debtors to prioritise and how to approach them
Finance teams managing receivables
Data-driven recovery decisions across the entire debtor book
Companies with repeat customers
Track payment behaviour over time and predict future problems