Outsource awkward.
Get paid.

Settle follows up late payments, handles the back-and-forth and negotiates a fair way forward, with care for the customer relationship.

Try Settle

Free during the beta until 23 November.

Settle, for Harbour Design
Hi Alex, I'm Settle, the AI assistant looking after accounts for Harbour Design. Invoice 1042 for $1,850.00 was due on 2 October. Here is the link to pay, or tell me what would work.
Alex
Cash is tight this month. Could I do half now and the rest in a fortnight?
Settle
That works. So that's $925.00 today and $925.00 on Friday 31 October. I'll send the link for the first payment now.

You’re running a business. Not a chasing service.

The work is finished. The invoice is sent. The money still hasn’t landed.

You need the payment. You want to keep the customer. You have better things to do than keep asking.

Reminders ask. Settle negotiates.

“Can I pay next week?”
“I can do half now.”
“Sorry, I forgot.”

The reply is where the real work starts. Settle handles the conversation and works towards a payment arrangement within the limits you set.

What you set, what you see
Your limits
The smallest instalment and the longest plan Settle may offer. It never goes outside them.
First message
Waits for your approval before it is sent. Edit it or switch the invoice back off.
Every reply
Visible to you as it happens, with what has been agreed.
Always
If a customer raises hardship or disputes the invoice, Settle stops and hands it to you.

A little setup. A lot less chasing.

1

Create your account.

2

Verify your business.

Through our payments partner, Pinch.

3

Connect Xero or add an invoice.

Once approved, review the first message before Settle starts the conversation.

Before you start

Is Settle just automated reminders?

No. Settle follows up by text, handles customer replies and negotiates a way forward within the limits you set.

Can I review the first message?

Yes. You review and approve the first message before anything is sent.

Do I need Xero?

No. Connect Xero or add invoices manually.

Why do I need to verify my business?

Settle uses Pinch to support payments. Pinch needs to verify your business before Settle can start contacting your customers.

What documents do I need?

Business details and photo ID for the owner. You will see exactly what is needed in the verification step.

What does the beta cost?

Free during the beta until 23 November 2026. After that, from $19 a month plus a success fee on what Settle recovers. We will confirm your rate with you before anything is charged.

How does Settle appear to my customer?

As the AI assistant looking after accounts for your business, by text, in its own name. It says so in its first message. After that first message you can see every reply, pause the conversation or switch the invoice off at any time.

Got a payment you’re tired of chasing?

Start with one invoice. Let Settle take the next conversation.

Try Settle