collects.io

collects.io is an AI-native accounts receivable platform for UK businesses using Xero. Unlike generic tools that just send reminders, collects.io reads every invoice, email, and reply to find why payment is stuck—a missing PO, wrong contact, dispute, or broken promise—and takes action to resolve it at the source and prevent recurrence. It maps 83 failure patterns to 392 resolution actions.

Connect Xero read-only in minutes, and the AI analyzes two years of invoice history, showing recoverable DSO days, unlockable working capital, and your riskiest debtors for free before you commit. Sending starts automatically, escalations wait for your approval, and AI proposes actions for you to approve.