Outsource awkward.
Get paid.
Settle navigates tricky payment conversations with empathy, turning overdue invoices into active direct debit plans and seamlessly recovering missed payments on Pinch rails.
Protects your relationships
Built with empathy at its core. Settle operates within eight hard-coded ethical boundaries, ensuring courteous contact hours, transparent identity, and supportive handling of disputes. It secures your cash flow without ever burning a bridge.
Seamless paths to payment
We turn hesitations into commitments. When a client needs flexibility, Settle instantly calculates a custom instalment schedule over SMS and converts their agreement into a live Pinch subscription.
Scalable for bookkeepers
Deploy across an entire client portfolio. Bookkeepers run Settle for all their managed merchants on Pinch from a single operator account, with custom, owner-approved guardrails for each business.
Built on Pinch
Pinch has said it plainly: chasing invoices is not a strategy. Settle is the system change, built natively on Pinch infrastructure. Every agreement a customer makes in conversation becomes real payment machinery the same minute: immediate paths forward for customers, resilient cash flow for merchants.
Payment plans
Every schedule a customer sees comes from calculate-plan, and the moment they reply YES it becomes a live Pinch subscription. No spreadsheets, no IOUs.
Event recovery
A bounced payment is a conversation, not a dead end. Bank-results webhooks wake Settle; it reaches out, renegotiates, and stands up the replacement subscription automatically.
Managed merchants
One bookkeeper, one Pinch operator account, every client covered, with owner-approved guardrails set per business.
Full lifecycle
Payers, payment sources, hosted payment links, subscriptions, and idempotent event capture, handled end to end.