Insights
How we measure the 95.4%: one figure about our decisions, stated in full
What the 95.4% measures, how it was scored, and what it does not claim.
Inside Visibility: the 29 analytics, and the 19 Xero doesn't give you
Xero tells you what you're owed and how old it is. Visibility tells you why it isn't being paid, what was done about it and what it's worth. Here is every analytic, grouped.
Safe AI at collects.io: how every decision is made, and where you stay in control
The six steps every decision moves through, the seven send controls, the controls you hold at four levels, and how your data is protected.
The benchmark: what collecting payment costs, and what collects.io costs instead
A credit controller costs £58,500 a year fully loaded. Collect costs 3% of that at 300 invoices a year — and its per-invoice fee is only charged when we collect.
The work behind a late payment
Late payment is rarely one missed reminder. The five kinds of work that actually get an invoice paid.
What you get back: the typical business gets 7× the Collect fee in year one
From our research with 40+ UK businesses: the typical business gets back 7 times what Collect costs in year one, and 4 in 5 get back more than they pay.
What collects.io reads from your Xero, and what happens when you sign up
Exactly what we access and why, and each step from sign-up to your first dashboard.
Where cash collection breaks: what 40+ UK businesses told us
Research with 40+ UK businesses and their finance leaders: 83 validated failure patterns, 488 resolution actions — and why the biggest problems start before anyone sends a reminder.
The Late Payments Bill: what your business needs to know
The Commercial Payments Bill would cap payment terms, make late-payment interest mandatory and set a formal dispute timeline. What it means for finance teams — and why visibility decides who adapts.