Paid short? The reason is already written down.
We resolve the variation, the retention or the disputed measure — then collect.
Two weeks free. £1 card check, refunded. Nothing is sent to your customers. Switch off before day 14 and you pay nothing.
- Applications for payment
- Retentions
- Variations
- Disputed measures
What does collects.io do for construction firms?
collects.io is an accounts receivable platform for construction firms on Xero. An application for payment is valued and certified, so every short payment has a written reason: a variation, a retention or a disputed measure. collects.io resolves that reason, then collects, inside rules you set. A person decides every exception.
You are rarely paid late by accident.
An application for payment is valued and certified, so every short payment has a written reason. That is a resolution, not a reminder.
- 95% of construction firms have been paid late; the average delay is 38.2 days, against 32 across all sectors.
- A 30-day dispute window is coming: the Government's late payment response of 24 July 2026 proposes it, with a 60-day maximum term.
- A reminder won't release a certified short payment. Resolving the reason does.
- We read your real days-to-pay off your own ledger when you connect.
Sources: Coface UK Payment Survey 2025 (95% paid late; 38.2 days against 32 across all sectors); GOV.UK, Government response to the late payment consultation, 24 July 2026.
Late payment is rarely a missed reminder.
Four fifths of getting an invoice paid is resolving what's in the way. That's the part we do.
381 of 488 steps resolve (78%); 107 remind (22%). Research with 40+ UK businesses and CFOs.
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 before 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 before then and you pay nothing. Otherwise Visibility continues on a 12-month plan, paid monthly.
- 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. A new 12 months starts from the day you upgrade.