Everything You Need to Recover Unpaid Invoices
AutoSettle gives you a complete set of recovery tools — from chasing to payment plans, settlements, and escalation. One system. Every tool.
Recovering debt requires more than reminders. Different situations need different tools. AutoSettle combines everything in one connected system so you can recover any debt, any way you need to.
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Xero & QuickBooks12
recovery tools in one platform
£2.4m
recovered through AutoSettle
100%
automated or manual control
The complete recovery toolkit
Every tool you need to recover unpaid invoices — from first reminder to final resolution. Connected, configurable, and built for Xero.
AI Credit Controller
Automate recovery using intelligent AI personas that chase, escalate, and adapt — 24/7.
Recovery Plans
Design structured multi-stage strategies combining reminders, offers, and escalation.
Payment Plans
Turn unpaid invoices into manageable instalments — collected automatically via Stripe.
Settlement Offers
Offer discounted settlements to recover debt faster and close outstanding balances.
Debtor Portal
A secure self-serve portal where debtors pay, accept plans, and view balances.
Pre-Legal Escalation
Apply structured legal-weight pressure with formal notices — before solicitors are needed.
Debtor Management
Control and manage all debtor actions, history, and recovery status from one profile.
Risk Scoring
AI-powered risk assessment that prioritises which debtors to chase first.
Payment Behaviour Intelligence
Understand how debtors actually pay — and predict who will pay late.
Penalties & Late Fees
Automatically calculate and issue statutory interest and fixed compensation invoices.
Recovery Analytics
Measure collection rates, track performance, and report on recovery outcomes.
Cashflow Control
Total visibility over incoming payments, outstanding debt, and projected cashflow.
One system, not separate tools
Every tool feeds into the next. Recovery plans orchestrate the entire sequence — from risk analysis to final resolution. Nothing works in isolation.
Stage 1
Analyse
Identify risk, score debtors, understand payment behaviour
Stage 2
Plan
Design recovery strategies combining all available tools
Stage 3
Chase
Send reminders, follow up, and escalate tone automatically
Stage 4
Recover
Offer payment plans, settlements, and self-serve options
Stage 5
Escalate
Apply pre-legal pressure with formal notices and penalties
See it in action
Here's how AutoSettle's recovery tools work together on a single overdue invoice — from the moment it becomes overdue to full resolution.
Every step is automated. Every tool is connected. The system adapts based on debtor behaviour — escalating, offering alternatives, and applying pressure at the right moment.
Fully automated — no manual intervention needed
Every tool triggered at the optimal moment
Debtor behaviour drives the sequence
Manual override available at any stage
Recovery Timeline · INV-1042
Invoice becomes overdue
Risk score flags debtor as high-risk
AI Controller sends friendly reminder
Second reminder — firmer tone
Payment plan offer sent via portal
Settlement offer created (10% discount)
Late fee notice issued + Xero sync
Formal Escalation Notice
Letter Before Action sent
Debtor pays in full
£14,200 recovered in 45 days — fully automated
Automate everything. Or take control.
Every tool can run fully automated through recovery plans and AI controllers — or you can use them manually, one at a time, exactly when you choose.
Full automation
Set up recovery plans and let the AI controller handle everything — from first reminder to final demand.
Manual control
Use any tool directly from the debtor profile. Send a plan, create a settlement, or escalate — on your terms.
Mix and match
Automate chasing but manually control escalation. Or automate everything except settlements. Your rules.
One platform. Every recovery outcome.
Stop juggling spreadsheets, emails, and third-party services. AutoSettle is your complete recovery system.
Higher recovery rates
Multiple tools working together recover more debt
Faster payments
Automated sequences move faster than manual chasing
Less manual effort
AI and automation handle the work — you handle the exceptions
Full control
Override, pause, or adapt any part of the process at any time
Frequently asked questions
Do I need to use every tool?
No. You can use any combination of tools that fits your recovery strategy. Some businesses only use AI chasing and payment plans. Others use the full stack including pre-legal escalation and penalties. AutoSettle adapts to your approach.
Can I automate everything?
Yes. Recovery plans let you automate the entire sequence — from first reminder to final demand. But you always have manual override. Pause, skip, or intervene at any stage.
How do the tools work together?
All tools are connected through Recovery Plans and the AI Controller. When a reminder fails, the system can automatically offer a payment plan. If that's declined, a settlement offer follows. If nothing works, pre-legal escalation begins. Every tool feeds into the next.
Is this just for Xero users?
AutoSettle is built for Xero users. Invoice data syncs from Xero, payments post back automatically, and penalty invoices are created directly in your Xero account.