Resolve and collect, for a fraction of the cost of a hire.
You keep your cash working, your team on the work that matters and your customer relationships in your hands. Try it free on your own ledger for two weeks, then pay the platform fee, plus a per-invoice fee only when you've been paid.
Two weeks free. £1 card check, refunded. Nothing is sent to your customers. Switch off before day 14 and you pay nothing.
- Two weeks free
- Per-invoice fee only on invoices we collect
- No minimum fee
- No hire to recruit
Is collects.io worth it compared with hiring?
A credit controller costs about £58,500 a year fully loaded, from day one. Collect costs 3% of that at 300 invoices a year and 32% at 3,670, and its per-invoice fee is charged only on invoices we collect. In our research, the typical business gets back 7 times the Collect fee in year one.
You get the work done without the fixed cost of a hire
A new credit controller costs you £58,500 a year from day one, whether or not your cash comes in. With Collect you pay the platform fee, plus a per-invoice fee only when you’ve been paid.
If you hire a credit controller
- You pay £58,500 a year from day one, whether or not your cash comes in
- You recruit before they start
- You cover notice periods, holidays and absence
- You get one person's 1,750 productive hours a year
If you use collects.io Collect
- You try it free for two weeks on your own ledger
- You pay a platform fee set by your invoice volume, from £9 a month
- You pay the platform fee, plus a per-invoice fee only when you've been paid
- No minimum fee and nobody to recruit. Visibility is a 12-month plan, billed monthly, after two weeks free.
- You get 29 of 30 actions done for you; your team handles the exceptions
| Invoices / yr | Collect / yr | One credit controller / yr | Collect as a share of one hire |
|---|---|---|---|
| 300 | £1,743 | £58,500 | 3.0% |
| 1,000 | £5,033 | £58,500 | 8.6% |
| 2,000 | £10,913 | £58,500 | 18.7% |
| 3,670 | £18,755.50 | £58,500 | 32.1% |
One credit controller / yr: £58,500
Two weeks free. £1 card check, refunded. Nothing is sent to your customers. Switch off before day 14 and you pay nothing.
Credit controller: £45,000 London salary × 1.30 for employer NI, pension and overhead = £58,500 a year, 1,750 productive hours (Indeed, Robert Walters and BKL salary data, 2026). Collect assumes every invoice is one we collect, so it is the most Collect costs at that volume. Prices exclude VAT. Above 10,000 invoices a year, email support@collects.io.
You see the value before you pay a penny
Connect Xero and you see every unpaid invoice on your ledger, and why it hasn't been paid, free for two weeks.
- You get two weeks free on your own Xero ledger. Nothing is sent to your customers.
- You pay the platform fee, plus a per-invoice fee only when you've been paid.
- You never pay a minimum fee, a percentage of your turnover or a percentage of what's collected.
- You see published prices from £9 a month, set by how many invoices you raise.
You stay in control of your ledger and your customers
Safe AI does the work inside your rules. Every customer relationship stays yours.
- Your Xero is connected read-only. Nothing is ever written to your ledger.
- Every email to your customers passes seven send controls first.
- You decide every exception, and the day-90 notice always waits for you.
- Emails go from your own mailbox, each one traced to the decision behind it.
- 95.4% of decisions are consistent with our written policy, across 3,248 cases.
What you get back
From our research with 40+ UK businesses, modelled on the figures they shared, against the most Collect would cost them.
Modelled from research, not measured customer results. Cash released is working capital returned once, not profit, so the return every year after is shown separately.
Check the numbers yourself
Every figure, the method and the sum checks, in two short papers.
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.