Overview
AutoSettle is your always-on AI Credit Controller — built to chase overdue invoices, recover outstanding payments, and improve your cashflow automatically.
Designed specifically for businesses using Xero, AutoSettle connects in under two minutes and immediately starts working. Your invoices and contacts sync automatically. Your AI Credit Controller identifies overdue invoices, scores each one for recovery risk, and begins a structured escalation sequence — no manual effort required.
AI Credit Controllers Choose from three distinct AI personalities — Ruby (empathetic and relationship-focused), Mason (direct and firm), or Alex (balanced and professional) — or create a custom controller that matches your brand voice. Each controller operates with the professional title 'Credit Controller · Investigations', positioning communications as coming from a specialist third-party to maximise response rates.
7-Stage Escalation Engine AutoSettle runs a proven escalation sequence: Friendly Reminder, Follow-Up, Firm Reminder, Late Fee Notice, Final Demand, Pre-Legal Warning, Managed Recovery. Later stages incorporate formal statutory language regarding UK late payment legislation to increase urgency and compliance.
Multi-Channel Communication Reach debtors on the channel most likely to get a response. AutoSettle supports Email, SMS, posted Letters, and AI-powered Phone Calls — ensuring no debtor goes unchased.
Debtor Portal and Payments Give your customers a branded, self-service portal to view outstanding invoices, make instant payments via Stripe Connect (card, bank transfer, direct debit), accept structured payment plans, or agree to settlement offers. Available 24/7.
Risk Scoring and Analytics Every invoice receives an AI-driven risk score. Real-time dashboards track total recovered, at-risk balances, payment behaviour trends, and cashflow projections.
Managed Recovery For debts that resist standard chasing, escalate to AutoSettle's premium managed recovery service — structured case management with success-based fees.
AutoSettle is built by AutoThink Group Ltd, a UK-based technology company and official Xero App Partner. Our mission: help businesses recover what they're owed, without the manual effort or relationship damage.
Stop chasing. Start settling.
AutoSettle + Xero
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Sign up — Visit autosettle.co.uk and create your free AutoSettle account.
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Complete onboarding — Enter your company name and basic details.
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Go to Integrations — From the left sidebar, click Integrations.
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Connect Xero — Click Connect on the Xero card. You'll be redirected to Xero to authorise access.
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Authorise permissions — Grant AutoSettle access to your Invoices, Contacts, and Payments.
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Select organisations — If your Xero account has multiple organisations, choose which ones to connect (within your plan's limit).
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Invoices sync automatically — AutoSettle imports all your invoices and contacts. Your AI Credit Controller is ready to deploy.
Pricing plans
This app includes a free 14 day trial
Starter
- 1 connected Xero account
- Up to £10k invoice monitoring
- Email chasing
- Stripe Connect payments
- Apple Pay & Google Pay
- Dashboard & analytics
Growth
- Debtor portal
- Up to £100k monitored
- Settlement offers
- 3 connected accounts
- Email + SMS chasing
- AI risk scoring
- Recovery analytics
Scale
- Email + SMS + WhatsApp
- Advanced escalation engine
- Final demands + pre-legal
- Custom AI controllers
- Team workflows
- Priority support
Getting started
Getting started with AutoSettle takes less than 5 minutes.
Step 1: Create your account Visit autosettle.co.uk and sign up with your email address. No credit card required for the free trial.
Step 2: Connect Xero Navigate to the Integrations tab in the left sidebar and click Connect on the Xero card. You'll be redirected to Xero to authorise access. AutoSettle requests access to Invoices and Bills, Contacts, and Payments. If you have multiple Xero organisations, you'll be prompted to select which ones to connect.
Step 3: Review your invoices Once connected, AutoSettle automatically imports all your invoices and contacts from Xero. Head to the Invoices tab to see your full portfolio — including overdue amounts, debtor details, and AI risk scores.
Step 4: Choose your AI Credit Controller Go to the Controller tab and select your preferred AI personality: Ruby — empathetic, relationship-focused, ideal for valued clients Mason — direct, firm, effective for persistent late payers Alex — balanced, professional, great all-rounder You can also create a custom controller with your own name and tone.
Step 5: Configure escalation settings Set your preferred escalation speed (gentle, moderate, or aggressive), choose which stages to enable (Friendly Reminder through to Pre-Legal Warning), and select your communication channels (Email, SMS, Letters, AI Calls).
Step 6: Set up payments (optional) Connect Stripe via the Payment Settings tab to accept card payments, bank transfers, and direct debits directly through AutoSettle. Enable payment plans and settlement offers to give debtors flexible resolution options via the Debtor Portal.
Step 7: Launch Toggle Auto-Send to ON and your AI Credit Controller will begin chasing overdue invoices automatically. You can also send individual emails manually from the Controller tab.
Step 8: Monitor and recover Track recovery progress in real time from your Dashboard. View total recovered, at-risk amounts, debtor risk scores, and detailed activity logs. Payments received through Stripe are automatically reconciled back to Xero.
Need help? Book a free demo or contact our team. We're here to help you recover what you're owed.
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