Reminders chase.collects.io resolves.
Every unpaid invoice has a reason: a missing PO, a wrong contact, an unlogged dispute. A reminder repeats the request. collects.io finds the reason, fixes it and collects, from your own mailbox, with you in control.
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.
If your invoices are late because customers forget, a reminder tool may be enough. If they are late because something is wrong, you need the reason found and fixed. That is the work a credit controller does, and it is what collects.io does for a fraction of the cost.
| Xero's built-in reminders | Reminder apps | Hiring a credit controller | collects.io | |
|---|---|---|---|---|
| What it does | Sends reminder emails on a schedule you set | Sends and tracks reminder sequences | Chases, calls, resolves disputes, reports | Finds why each invoice is unpaid, fixes it and collects |
| Finds why an invoice is unpaid | No | Varies by product | Yes | Yes: 11 health checks on every invoice |
| Fixes the cause (PO, contact, dispute) | No | Varies by product | Yes | Yes, with sign-off where you choose |
| Sends from your own mailbox | Sends from Xero | Varies by product | Yes | Yes |
| Works on old debt | New reminders only | Varies | Yes | Yes: 2 years of history from day one |
| Risk on the result | With you | With you | With you (salary is paid either way) | Mostly with us: the per-invoice fee is charged only on invoices we collect |
| Cost a year (300 invoices) | Included in Xero | Varies by product | £58,500 (£45,000 salary + 30%) | £1,743 (3.0% of a hire) |
| Cost a year (2,000 invoices) | Included in Xero | Varies by product | £58,500 | £10,913 (18.7% of a hire) |
| Try it | Already in Xero | Usually a free trial | 3 to 6 weeks to hire | Two weeks free, your own numbers in about 2 minutes |
collects.io costs are for the Collect plan: the platform fee plus the per-invoice fee, assuming every invoice is one we collect. The credit controller figure is a £45,000 salary plus 30% on-costs. Prices exclude VAT.
One comparison at a time
Why collects.io
- We've trained 58.0 years of a credit controller's workload into our AI. It does 90% of the collection work (capability), and 95% of its decisions match your written credit policy (performance).
- Our model shows about 16 fewer debtor days. On £10m turnover that is typically about £438k more cash in the bank.
- Read-only on Xero: we never change your Xero. Your data stays in AWS London and is never used to train AI models.
- You stay in control: emails go from your own mailbox, you choose which actions need sign-off, and every action has an audit trail.
- Two weeks free on all 29 analytics, 19 of them not in Xero. Nothing is sent to your customers.
Questions
Is collects.io a reminder tool?
No. Reminders are one of the actions it can take. collects.io first works out why an invoice is unpaid, then fixes the cause and collects.
Should I hire a credit controller or use software?
If your book needs judgement on disputes and missing paperwork, you need that work done. collects.io does 90% of it, at 3% to 19% of the cost of a £58,500 hire for 300 to 2,000 invoices a year, and your team handles the rest.
Does collects.io work with Xero?
Yes. It is a certified Xero app on the Xero App Store, with read-only access.
How do I compare on my own numbers?
Use the cost calculator, or start two weeks free and see your own analytics about 2 minutes after you connect Xero.
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.
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 click Start 2 weeks free
- Start 2 weeks free. 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 your own numbers 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.