Financial Architecture for Accounts Receivable

Built from 83 real AR failure patterns. 488 tasks resolved by AI. Embedded inside your accounting system.

Run your free AR diagnostic→

Read-only firstEvidence before actionSwitch on when ready

When selling my previous business, we found £1m already earned but uncollected. It took two people, six months and £90k to recover it. The 83 problems we found became collects.io.Sasha Williamson, CEO & Founder

The proof behind the diagnostic

Mapped from real AR behaviour, payment delays and recovery actions.

83

AR FAILURE

PATTERNS RESOLVED

488

RESOLUTION ACTIONS

MAPPED

~95%

AR DECISIONS TO

HUMAN STANDARD

~16+

DSO DAYS

REDUCED

~7×

YEAR-1 VALUE VS FEE

PER £10M TURNOVER

Run your free AR diagnostic→Beta open · Xero live now*

*Beta is open until 1 September 2026. Some beta clients get their first 2 months free. Places are limited and may close earlier.

Trust & governance

Trust by design.

Why you should trust us

collects.io is built for finance teams who need control before automation. It connects read-only first, shows the evidence, and only acts when your rules, approvals and accuracy gates are in place. Every action is logged and reversible, with human override at every step. Governed around ISO 27001, 9001 and 42001 principles from day one.

Why your customers trust you more

collects.io works within your tone, your rules and what you already know about each customer, so every approach is timed and worded to get paid without straining the relationship that earned the work. Governed, compliant and calibrated per customer, so the way you collect protects the trust your customers place in you.

CONTROL PANEL · YOUR AR, YOUR RULES

Read-only mode

Works your 12-month history first

Enabled

Human approval

Override and per-step off-switch

On

Safety rules

Do-not-disturb, blackout periods and opt-outs

Enforced

Accuracy gate

Every model cleared before going live

Passed

Audit trail

Append-only logs, reversible actions, per debtor

Active

Access & data control

Read-only first. No live debtor action until approved.

Your accounting data is used to diagnose receivables before anything goes live. The first stage works from ledger history only.

Human approval & safety rules

Approval gates, do-not-disturb rules, opt-outs, blackout periods, human override.

Your team controls exceptions, escalations and go-live decisions. collects.io acts only within the controls you approve.

Governance & audit

Audit trail, model accuracy gate, certification roadmap, Xero certification in progress.

Every action is logged and traceable. Built around auditability, accuracy gates and governed AR workflows.

CERTIFICATION ROADMAP

1

ISO standards

In progress

Certifying toward ISO 27001 / 9001 / 42001

2

Xero certification

In progress

Undergoing Xero partner certification

3

EU AI Act

Readiness

EU AI Act readiness

Pursued in sequence. Completion timelines may vary.

Built by accountants, for accountants and operators.

Our CTO and our CFO are both chartered accountants. Two AR collections specialists mapped the 83 failure patterns and their resolutions. 39 CFOs participated in our research report on the design.

Built for governed AR, not generic automation.