Turn Unpaid Invoices Into Predictable Cashflow
Offer flexible payment plans to recover debt faster and increase collection rates — automatically.
When debtors can't pay in full, payment plans convert stuck invoices into guaranteed instalments — collected via Stripe, tracked in real time.
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Xero & QuickBooksActive Payment Plan
GreenBuild Ltd
INV-1042 · INV-1038
Total debt
£8,420
Collected
£4,210
Remaining
£4,210
Auto-collected via Stripe
Next instalment charges automatically on 15 Apr
£2.4m
recovered through AutoSettle
3x
higher recovery vs chasing alone
82%
plan completion rate
Chasing alone doesn't recover cash
Some debtors genuinely can't pay the full amount right now. No amount of chasing changes that. The invoice sits unpaid, cash doesn't come in, and eventually it becomes bad debt.
Payment plans give these debtors a structured way out — and give you guaranteed cashflow instead of an unpaid invoice.
Debtors can't always pay in full
Cash-constrained customers need flexible options
Chasing alone delays recovery
More reminders won't solve a cashflow problem
Unpaid invoices become bad debt
Without a structured plan, recovery probability drops daily
Without vs With Payment Plans
Without
Invoice sits unpaid for months
With AutoSettle
Converted into 6 monthly instalments
Without
Debtor ignores reminders
With AutoSettle
Debtor accepts manageable plan
Without
£0 collected
With AutoSettle
£8,420 collected automatically
Without
Write off as bad debt
With AutoSettle
Full recovery over time
Without
Damaged relationship
With AutoSettle
Professional, flexible resolution
Complete control over every plan
Use pre-built templates or create fully custom plans. Set the terms, frequency, and down payment — per debtor, per invoice, or in bulk.
Plan Templates
3-Month Plan
3 × monthly
6-Month Plan
6 × monthly
12-Month Plan
12 × monthly
Weekly Sprint
4 × weekly
Custom Plan Controls
Instalment count
Choose any number of instalments
Frequency
Weekly or monthly collection
Down payment
Require upfront payment before plan starts
Start date
Begin immediately or schedule ahead
Per debtor or invoice
Apply to single invoices or total debt
Multi-invoice plans
Combine multiple invoices into one plan
Self-serve recovery through the Debtor Portal
Debtors access their portal, see the payment plan options you've enabled, and accept directly — entering card details through Stripe's secure checkout. No back-and-forth.
The down payment is collected immediately upon acceptance. Instalments begin automatically on schedule.
Debtor selects a plan from enabled templates
Card details captured via Stripe secure checkout
Down payment collected immediately
Instalment schedule begins automatically
Portal shows real-time plan progress
Debtor Portal · Payment Plans
3-Month Plan
3 × £2,807 · £500 down
6-Month Plan
6 × £1,403 · £200 down
Weekly Sprint
4 × £2,105 · No down payment
Secure payment via Stripe
Card details captured securely. Down payment of £500 collected immediately.
Collection Flow
Card captured at acceptance
Stripe securely stores the debtor's payment method
Down payment collected
Charged immediately upon plan acceptance
Auto-charge on schedule
Daily collection job processes due instalments at 8 AM UTC
Retry on failure
Up to 3 automatic retries before flagging the instalment
Posted to Xero
Partial payments synced back to your Xero invoices
Payments collected automatically via Stripe
Once a plan is accepted, AutoSettle handles everything. Instalments are charged automatically on schedule using the debtor's saved card via Stripe Connect.
Failed payments retry automatically. Manual collection is available anytime. Every payment posts back to Xero as a partial payment against the original invoice.
Supports Visa, Mastercard, Amex, Apple Pay, Google Pay
Stripe Connect for secure processing and commission flow
Manual 'Collect Now' for immediate instalment charges
Real-time status tracking for every instalment
Part of the Recovery Engine
Payment plans aren't standalone billing — they're a core recovery mechanism triggered at the right moment in the recovery process.
Analyse
Risk identifies candidates
High-risk debtors who can't pay in full are flagged as payment plan candidates.
Chase
Reminders first
Plans are offered after reminders fail — not instead of chasing.
Recover
Plans convert debt to cash
Payment plans turn stuck invoices into predictable instalments.
Escalate
Alternative to legal
Offering a plan before escalation gives debtors a final chance to pay.
Automated or manual — your choice
Plans can be offered automatically by your AI controller during the recovery sequence, or created manually from any debtor profile. Override, pause, or adjust at any time.
Workspace-level preferences control which templates are available in the portal. Global exclusion lists let you hide plans for specific debtors.
Recovery Timeline
Friendly reminder
Second reminder
Firm reminder
Late fee notice
Payment plan offer
Final demand
Turn bad debt into collected cashflow
Payment plans don't just delay collection — they guarantee it.
Higher recovery rates
Convert stuck invoices into guaranteed payments
Faster cash collection
Start collecting immediately with down payments
Better debtor cooperation
Professional, flexible resolution preserves relationships
Predictable revenue
Know exactly when payments are coming in