Receivables chasing, automated
Stop chasing invoices. Start getting paid.
Settl watches every open invoice and sends your customer one calm, perfectly timed reminder — at 7 days, then 35, 50, 65, 80 and 95 days past due — until the money lands. One email per customer, every invoice attached, total owed at the bottom.
Settl is accounts-receivable chasing software for accounting and bookkeeping firms. It replaces manual follow-up with a fixed six-rung reminder ladder — one email per customer, every open invoice attached, sent from the firm’s own mailbox. Each client gets their own instance; priced per installation, never per seat.
Deployed per customer — your own instance, your own subdomain, your data, your logo.
01
Chasing money is not your job.
Every late invoice is a conversation you have to start, re-read, and escalate by hand. Most tools send one generic reminder per invoice — or nothing at all — so customers go quiet until it is too late, and whole afternoons disappear into emails that could write themselves.
Emails pile up
One reminder per invoice means a customer with five overdue invoices gets five emails. Annoying, and easy to ignore.
Timing is guesswork
Too soft and nothing happens. Too hard and you damage the relationship. Most people never escalate at all.
Data goes stale
You chase what you last saw in a spreadsheet. Payments land, invoices change, and you are still chasing ghosts.
02
The reminder ladder.
Every morning at 8:00, Settl reads your fresh accounts receivable and decides exactly one thing per customer: what stage are they at? Then it sends one email, at the right tone, on the right day.
Day −3 — pre-due heads-up
A friendly nudge three days before the due date. Most invoices get paid before they are even late.
Day 7 — friendly check-in
“Just checking in on this one.” Warm, human, zero pressure — usually all it takes.
Day 35 / 50 — firm follow-up
Clear line items, due dates and the total outstanding. The conversation is now about the number.
Day 65 / 80 — urgent warning
Escalated tone with a deadline. This is where late fees and service pauses get mentioned.
Day 95+ — final notice
The last word before collections — and it repeats every 14 days until the invoice is settled.
03
Everything the chasing does, done for you
01Fresh AR, every morning
Upload a CSV, or connect Xero directly. QuickBooks and NetSuite work via CSV export. Settl syncs open invoices daily before the 8:00 run, and payments update it automatically.
02One email per customer
All their open invoices in a single reminder — overdue first, current below, total outstanding at the bottom. No email-storms, ever.
03The right tone, on the right day
A six-rung ladder from friendly check-in to final notice, each with its own template. You can edit every word.
04PDFs attached
Every invoice in the reminder is attached as a clean PDF. No “which invoice do you mean?” back-and-forth.
05Send by email or WhatsApp
Auto-send from your own Gmail or Outlook, or review drafts in the outbox and send over WhatsApp in one tap.
06Yours, white-labelled
Deployed per customer with their own brand, their own subdomain, their own data. Your logo, your clients, your business.
04
Settl at a glance.
The specification, in one table — the facts an evaluation starts with.
| Built for | Accounting and bookkeeping firms, 2–20 people |
|---|---|
| Deployment | Your own instance, on your own subdomain |
| AR source | Xero connects directly; QuickBooks, NetSuite, Excel and Wave by CSV |
| Cadence | Day −3, 7, 35, 50, 65, 80 and 95 past due, then every 14 days until paid |
| Sending | Your own Gmail, Outlook or business mailbox |
| Channels | Email, or WhatsApp from the outbox |
| Attachments | Every invoice PDF in the reminder, no per-invoice email |
| Data | One instance per customer, nothing shared between customers |
| Pricing | One-time setup plus a service agreement — no per-seat fee |
05
How it is priced
Settl is deployed per customer as a one-time setup with a service agreement, sized to your invoice volume. No seats, no per-invoice meter.
Per installation
One setup, then a service agreement — quoted against your invoice volume, not a seat count.
Your instance
It runs on infrastructure you control, under your brand. Nothing is shared with another customer.
Your mailbox
Reminders send from your own Gmail, Outlook or business address, so replies land in your inbox.
06
Guides, tools and integrations.
The long-form material lives on the Settl site — templates, the ageing calculator, the Xero connection and the deployment notes.
- Overdue invoice reminder templatesSix email templates, one per rung of the ladder, written to be sent as-is.
- AR ageing calculatorThe ageing calculator on the Settl site — model your overdue book before you commit.
- Settl for accounting firmsThe firm-facing view: cadence, escalation, and what the ladder replaces.
- Xero integrationHow Settl reads open invoices and payments directly from Xero each morning.
- Self-hosted deploymentWhat runs where, backups, and why each customer gets their own instance.
07
Questions, answered.
Will this damage my customer relationships?
No — it is the opposite. One calm, professional email on a schedule is far less annoying than an angry phone call after three months of silence. The ladder escalates gently, and only when the invoice warrants it.
Which accounting software does it work with?
Xero connects directly — Settl reads your open invoices each morning. QuickBooks, NetSuite, Excel, Wave, spreadsheets, even a physical ledger all work via CSV upload. If you can export it, Settl can chase it.
Can I edit the emails?
Every template is editable — wording, tone and timing. You keep the voice; Settl keeps the discipline.
Where does my data live?
On infrastructure you control. Settl deploys as your own instance: your data, your subdomain, your backup. Nothing is shared with other customers.
Does it send from my email address?
Yes. Reminders send from your own Gmail, Outlook or business mailbox, so replies land in your inbox and your domain's reputation stays yours.
What happens when an invoice is paid?
Payments and partial payments sync in automatically, and the chase stops for that invoice the same day.
Your invoices are already late.
Open your Settl instance, or book a demo and we will set it up against your own accounts receivable — usually within one working day.