Get paid sooner.
Every unpaid invoice has a reason. We find it, fix it and collect.
Connect Xero read-only and, about 2 minutes later, see the cash stuck in your ledger and why. Nothing is sent to your customers.
“When I sold my last company, we collected an extra £1 million that was sitting in our debtor ledger.”
Your cash is stuck behind a reason, not a missed reminder.
A missing PO, a reference that doesn't match, a dispute nobody logged. Reminder tools do the 22% that reminds. collects.io does the 78% that resolves, so the cash comes in.
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.
How much cash could you bring forward?
Cash you have already earned is sitting in your debtor book. Put in your own figures to see what getting paid sooner is worth, what Collect costs, and the time you get back.
1 · Cash brought forward
more cash in your bank, from getting paid 10 to 16 days sooner*. Cash you have already earned, counted once.
In recruitment, an invoice usually waits on a reason: a missing timesheet, a disputed rate, a rebate. We find it, fix it and collect.
2 · Cost of the Collect plan
Plus the statutory interest you can claim on late invoices: 8% over the Bank of England base rate, and £40 to £100 per invoice. Your dashboard shows it from day one.
3 · Time back
of the chasing that doesn’t need a person is done for you, so the person in your office gets back to scheduling and payroll.
* 90%: 356 of the 396 collections steps that are not reserved for a person, in assist mode. A person decides every exception. Collect plan prices are from our published price list and exclude VAT. The figure assumes every invoice is one we collect, so it is the most Collect costs at that volume. Credit controller: £45,000 London salary × 1.30 for employer NI, pension and overhead. Statutory interest: Late Payment of Commercial Debts (Interest) Act 1998.
£3,125 of your £5,033 is only charged on invoices we collect. The other £1,908 is the platform fee.
You pay when we collect.
No percentage of turnover, no minimum fee and nothing to recruit. Collect, and any plan paid a year in advance, carries a 12-month term.
And your team gets its time back.
The person chasing invoices is usually doing three other jobs. We take the chasing.
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).
See it work
Narrated walk-throughs of the live platform. Demo data.
We found £1m sitting in a debtor ledger. That is why we built this.
“When I sold my last company to an £8 billion private equity firm, we found an extra £1m sitting in the debtors ledger. Cash we had already earned. It took two people, six months and about £90,000 to collect it.”
“Collects caught problems in our ledger before they cost us. We now spend about 25 hours a month chasing payment, down from 55.”
*Our first live customer, Say Digital Ltd (MOHARA), is also our build partner.
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.
- 1Your Xero ledgerRead-only. We never write to it.
- 2Your mailboxReplies matched to the right invoice.
- 3The AI proposesWhy it's unpaid, and what to do next.
- 4The rules engine appliesSeven send controls, every time.
- 5A person decides the exceptionsThe day-90 notice always waits for you.
- 6Sent from your own mailboxEvery email traced to its decision.
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.
See the cash stuck in your own Xero ledger, free.
Read-only, about 2 minutes, nothing sent to your customers. Then from £9 a month, and a per-invoice fee only when we collect.
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.
What happens when you get your free cash check
- Get your free cash check. Enter your organisation name and work email, or sign up with Xero. You accept our terms on this screen.
- Set your password from the invitation email. If it isn't in your inbox within a few minutes, check junk.
- Connect Xero. You sign in on Xero's own screen and choose the organisation to connect. collects.io connects one Xero organisation per account. Read-only. We verify your card with a £1 charge, which we refund.
- See the cash stuck in your ledger, and why, about 2 minutes after you connect: the 29 analytics, on your live ledger. Nothing is sent to your customers.
- Before day 14 we email you the date and amount of your first payment. Switch off by the end of day 14 and you pay nothing. Otherwise Visibility continues month to month.
- Upgrade to Collect whenever you're ready. We start working your overdue invoices, and you add a per-invoice fee only on the invoices we collect. Collect carries a 12-month term from the day you upgrade.
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.
How much cash could collects.io bring forward?
Our model: 10 to 16* fewer debtor days. Use the cash calculator to see what that means for your own sales.
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.
More questions (1)
Who is collects.io for?
UK businesses on Xero, and the accountants and bookkeepers who work for them.
* Modelled from research, not customer results: customers paying 10 to 16 days sooner, from our research with 40+ UK businesses and their finance leaders. We don't model any benefit where customers already pay within 37 days.