Finds why each Xero invoice is unpaid, then fixes it and collects
collects.io is an accounting tool that finds why each Xero invoice is unpaid, then fixes it and collects. An accounts receivable platform for UK Xero users that diagnoses why each invoice is unpaid (missing PO, reference mismatch, unlogged dispute) and resolves it inside rules you set.
collects.io is an accounts receivable platform built for UK businesses that run their books on Xero, plus the accountants and bookkeepers who serve them. Its central argument is that most late payment is not a forgotten reminder. A purchase order was never raised, the reference on the invoice does not match what the customer's system expects, a dispute sits unlogged in someone's inbox, no accounts contact exists in the ledger, or a promise to pay came and went. Reminder tools address a small slice of that work. collects.io sets out to handle the rest by diagnosing each unpaid invoice and then acting on the cause. In practice the product connects to a Xero organisation read-only (the ledger is never written to) and pairs that with your mailbox so replies are matched back to the right invoice. The AI proposes why an invoice is unpaid and what should happen next, a rules engine applies seven send controls to every action, and anything outside the rules is passed to a person. Emails go out from your own address, so customer replies land in an inbox you already monitor rather than a third-party sender. Every message is traceable to the decision behind it, and the day-90 notice always waits for human sign-off. The starting point is Visibility, a set of 29 analytics run against your own live Xero ledger within about two minutes of connecting, 19 of which Xero does not provide itself. The Collect plan then begins working overdue invoices, with a per-invoice fee charged only on invoices actually collected. Published figures put capability at 90% of non-reserved collections work and policy consistency at 95.4%. Pricing scales with invoice volume rather than turnover, and the vendor compares the Collect plan to between 3% and 32% of the cost of one credit controller. Alternatives fall into two camps: scheduled reminder and dunning tools, which are cheaper and simpler but stop at the email, and full-service collections agencies, which take a percentage and sit outside your systems. collects.io occupies the space between, aimed at finance teams with enough overdue volume that chasing causes is a real monthly cost, and at practices that want an oversight layer across several Xero clients.
Two weeks free with all 29 analytics, 19 of which Xero does not provide. A £1 card check is refunded, nothing is sent to customers, and cancelling by the end of day 14 costs nothing. Visibility then continues month to month from day 15.
Learn moreTwo plans. Visibility is a platform fee set by the number of invoices raised in the 12 months before connecting, from £9 a month. Collect adds £3.25 per invoice collected, dropping to £2.25 at higher volumes, charged only on invoices actually collected. No minimum fee and no percentage of turnover. Prices exclude VAT; Collect and annual plans carry a 12-month term.
Learn moreLive chat is offered through the contact page, and the site publishes a founder letter, a trust and security page, and an explanation of how the 95.4% policy-consistency figure was measured. No phone or email support tiers are described.
Learn moreCertified Xero app with a read-only ledger connection and mailbox matching for replies. Claude, Make and Zapier support is stated to arrive from 30 October 2026. The site does not list other accounting integrations.
Diagnoses why each Xero invoice is unpaid (missing PO, reference mismatch, unlogged dispute, no accounts contact, broken promise to pay) and acts on the cause. The AI proposes, a rules engine applies seven send controls, and a person decides exceptions. Emails send from your own mailbox and are traced to their decision. Includes 29 ledger analytics, statutory interest tracking and priority invoice views.
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