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Every unpaid invoice has a reason.We find it, fix it and collect.

Reminder tools do the 20%. collects.io does the 80%: it finds why each invoice isn't paid, fixes it and collects.

Start 2 weeks freeWatch the product tour

Trained on 54.8 years of credit controller work.

Two weeks free. £1 card check, refunded. Nothing is sent to your customers. Switch off by the end of day 14 and you pay nothing.

“When I sold my last company, we collected an extra £1 million that was sitting in our debtor ledger.”
Sasha Williamson, CEO and founder · Read the founder letter

Late payment is rarely a missed reminder. So we don't just remind.

A missing PO, a reference that doesn't match, a dispute nobody logged. We fix the four fifths of the work reminder tools never touch.

107 remind
381 resolve — what collects.io does
22% reminding: what reminder tools do78% resolving · 488 actions in all

  • Missing PO

    Their accounts team won't approve an invoice without one, and they don't always tell you.

  • Reference mismatch

    The reference on your invoice isn't the one their system expects, so it waits in a queue.

  • Unlogged dispute

    They queried one line in an email weeks ago. The query is still sitting in someone’s inbox.

  • No email on file

    There's no accounts contact in Xero, so your reminders never reach anyone who can pay.

  • Broken promise to pay

    “It’ll go out on Friday.” That was three Fridays ago, and nobody followed it up.

381 of 488 steps resolve (78%); 107 remind (22%). Research with 40+ UK businesses and CFOs.

What it does, measured.

90%
Capability: of the collections work that isn't reserved for a person, done for you
95.4%
Performance: of collections decisions consistent with our written policy
54.8 years
Experience: of a credit controller's workload, trained into our AI

How we worked it out →

90%: 356 of 396 steps, assist mode. 95.4%: 3,248 cases (95% confidence interval 94.6 to 96.1). Years: synthetic invoices trained on ÷ 40,000 invoices per controller a year (APQC).

You get the work of a credit controller, for a fraction of the cost.

The Collect plan costs 3% to 32% of one credit controller, from 300 to 3,670 invoices a year. Pick your volume to see yours.

When you connect, we read the real figure from Xero.

Against one credit controller at £58,500 a year (£45,000 London salary × 1.30 on-costs). The Collect plan assumes every invoice is one we collect, so it is the most it costs at that volume. Prices exclude VAT. In our research, the typical business gets back 7× what the Collect plan costs in year one (modelled on the figures they shared, not measured).

8.6%is what the Collect plan costs, against your credit control
Your credit control a year£58,500
The Collect plan a year£5,033
You save£53,467

£3,125 of your £5,033 is only charged on invoices we collect. The other £1,908 is the platform fee.

Work out your full cost →

Product tour

See it work

Narrated walk-throughs of the live platform. Demo data.

How collects.io decides what to do nextPre-send checks and rules, then AI, on your Xero ledger · 1 min 09
Your dashboard, from day oneYour debtor book, overdue, statutory interest and priority invoices · 50 sec
▶ Watch: Your dashboard, from day one
You stay in control of every invoiceEvery action on an invoice, and pause, dispute or promise to pay · 56 sec
▶ Watch: You stay in control of every invoice

What it has done for our first customer.

“Collects caught problems in our ledger before they cost us. We now spend about 25 hours a month chasing payment, down from 55.”
Sean Benson · Finance Manager, MOHARAMOHARA is also Collects’ build partner.
55 → 25
hours a month chasing payment
About 25 hours a month, down from 55 (Sean Benson, MOHARA)
29 of 30*
of the actions done for you, without a person
1,174 of 1,215 actions in 30 days, on our first live customer's book

*Our first live customer, Say Digital Ltd (MOHARA), is also our build partner.

Safe AI

AI that works only inside your rules. A person owns every exception.

Collect connects to your accounting system and email to automatically match your invoices to the right conversation and send payment reminders on your behalf from your own email address. This means replies go to an inbox you already check, rather than a third-party sender. You remain in control and can disconnect at any time.

The architecture, step by step
  1. 1Your Xero ledgerRead-only. We never write to it.
  2. 2Your mailboxReplies matched to the right invoice.
  3. 3The AI proposesWhy it's unpaid, and what to do next.
  4. 4The rules engine appliesSeven send controls, every time.
  5. 5A person decides the exceptionsThe day-90 notice always waits for you.
  6. 6Sent from your own mailboxEvery email traced to its decision.

How safe AI works →

Claude, Make and Zapier from 30 October

From 30 October 2026, collects.io works with Claude, Make and Zapier. Start on collects.io with your own Xero, then use it from the tools you already work in.

29 analytics on your own Xero ledger, free for two weeks.

19 of them you can't get in Xero. Then from £9 a month on your invoice volume. Per-invoice fee only when we collect.

Start 2 weeks free

Two weeks free. £1 card check, refunded. Nothing is sent to your customers. Switch off by the end of day 14 and you pay nothing.

Questions

What is collects.io?

collects.io is an accounts receivable platform for UK businesses on Xero. It works out why each unpaid invoice hasn't been paid, such as a missing PO, a wrong reference or a dispute nobody logged. It then resolves it and collects it, inside rules you set. A person decides every exception.

What is the best credit control software for Xero in the UK?

It depends on why your invoices are late. If customers simply forget, a reminder tool will do. If invoices are stuck on a missing PO, a wrong reference or an unlogged dispute, you need software that finds and fixes the reason. collects.io is built for that second case. In our research with 40+ UK businesses, 381 of 488 steps to getting an invoice paid were about resolving what was in the way, not reminding.

How is collects.io different from invoice reminder tools?

Reminder tools send scheduled emails and texts. collects.io first works out why each invoice is unpaid, then takes the action that fixes it: chasing a PO, correcting a reference, logging a dispute or escalating to you. Every email is sent from your own mailbox and traced to the decision behind it.

Does collects.io work with Xero?

Yes. It connects to Xero read-only and never writes to your ledger.

How much does collects.io cost?

Two plans. Visibility is a platform fee set by how many invoices you raised in the 12 months before you connected, from £9 a month. Collect adds £3.25 per invoice collected, falling to £2.25 at higher volumes, charged only on invoices we collect. Everyone starts with two weeks free with all 29 analytics. There is no minimum fee and no percentage of turnover. Collect, and any plan paid a year in advance, carries a 12-month term. Prices exclude VAT.

Is there a free trial?

Yes. Two weeks free with all 29 analytics, 19 of them ones Xero does not give you. Then you move to Visibility from day 15 and can upgrade to Collect at any time.

Will collects.io email my customers without my say-so?

No. It works inside rules you set, applies seven send controls to every action, and a person decides every exception. The day-90 notice always waits for you.

Who is collects.io for?

UK businesses on Xero, and the accountants and bookkeepers who work for them.