Outsource awkward.
Get paid.

You are owed money by someone you want to keep working with. Chasing it feels uncomfortable, but leaving it alone costs your business.

Settle handles the payment conversation with care, turning agreements into workable payment plans while keeping you completely in control.

See how Settle worksGet early access
Two businesswomen in conversation over coffee
The problem & who it's for

Built for relationship-led businesses and the bookkeepers who support them.

A considered conversation over coffee

Settle is for businesses who care about how they get paid.

Most late invoices are not disputes. They are busy clients, cash flow pressures, or forgotten admin. Because following up feels personal, the invoice often sits there longer than it should.

Settle gives you a third option: a smooth, low-friction system that removes the heavy lifting of chasing payments. You get a consistent recovery process without sounding cold, corporate, or demanding.
How it works

From overdue invoice to an agreed plan.

1

Respectful outreach

When an invoice needs attention, Settle drafts a clear message in your business's voice, removing the hesitation from the process and ensuring the right message reaches your client at the right time.

2

Simplified payments

Every point of friction costs you momentum. If the customer cannot pay in full, Settle offers a payment plan. No awkward spreadsheet exchanges. No uncomfortable negotiations. Just a simple path forward.

3

Agreement becomes action (powered by Pinch)

Agreement is only useful if it leads to payment. Once a plan is locked in, Settle creates an automated payment path through Pinch. It works quietly in the background to sustain your cash flow, responding with care if a payment fails and bringing you in only when needed.

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Trust & supervision

Firm on payment. Gentle with people.

Settle is designed to recover money and build trust without treating customers like problems. It maintains the emotional safety your business relies on. It never threatens legal action, clearly identifies itself as an AI assistant, and pauses immediately for hardship.

You never hand client relationships to a black box. Settle operates strictly within your predefined rules across three levels of autonomy:

Level 1

Supervised

Settle drafts every message. Nothing sends until you approve it.

Level 2

Scoped

Settle sends routine messages automatically. You only approve payment plans.

Level 3

Trusted

Settle manages the entire conversation independently and sends you a regular summary.

What Settle removes

What Settle removes from your plate.

Chasing for a reply
Manually rebuilding an instalment schedule
Hoping an IOU turns into cash flow

You did the work. You deserve to be paid.

Stop carrying the emotional labour of chasing invoices alone.

Get early access

For businesses that want to recover overdue invoices without burning bridges.
Start with supervision. Stay in control. Build trust from there.