Outsource awkward.Get paid.
Settle follows up late payments by text, negotiates payment plans within your terms and gets the money moving. Connects to Xero.
Beta: A$25 a month, locked in for 12 months.
Illustrative. Fictional business and amounts.
Get your time back.
No more finding the overdue invoice, writing the message and handling the reply. Settle does the follow-up and the negotiation.
Turn “I can’t pay it all” into a plan.
Settle negotiates an instalment plan within the limits you set, and sends the first payment link.
Get paid sooner.
Money moves when customers have a way to pay. Agreed plans turn overdue invoices into cash coming in.
Keep the customer.
Settle handles the conversation with care, so the relationship outlasts the invoice.
See everything. Manage nothing.
Who has paid, who is on a plan and what needs you, in one place.
Stop carrying it.
The awkward follow-up comes off your list and out of your head.
Most late payers aren’t avoiding you. They’re stuck.
Another reminder for the full amount rarely helps. A way to pay does.
Reminders ask. Settle negotiates.
- You approve the first text. Settle sends it.
- Your customer replies: “Can I pay some now and the rest next week?”
- Settle counter-offers within your limits.
- The plan is agreed and the first payment link goes out.
Illustrative. Fictional business and amounts.
Firm on the money. Good with people.
Introduces itself as your business’s AI assistant.
Texts at reasonable hours. Never threatens, never pesters.
No extra fee for your customers to pay by plan.
If a customer raises hardship or disputes an invoice, Settle pauses and hands it back to you.
Your terms. Settle’s job.
Set the smallest instalment and the longest plan you’ll accept. Then choose how much Settle handles:
Review
You approve every message.
Respond
Settle drafts each reply, you confirm.
Manage
Settle handles it within your limits and keeps you posted.
Switch Settle off for any customer, any time.
Up and running in three steps
Create your account.
Verify your business with Pinch, our payments partner.
Connect Xero or add an invoice, set your limits and approve the first message.
Available in NSW, Victoria, Queensland and the ACT.
One simple price.
Everything in Settle, one monthly subscription. No success fee.
A$29–A$199/month
Beta price, locked in for your first 12 months. Including GST. Cancel any time.
Start your beta
Questions
Is Settle just another reminder tool?
No. Reminders stop when your customer replies. That’s where Settle starts: it negotiates a payment plan within your terms.
Will my customers know they’re talking to AI?
Yes. Settle introduces itself as your business’s AI assistant.
Do I control what Settle offers?
Yes. You set the smallest instalment, the longest plan and how much Settle handles.
What if a customer is in hardship or disputes the invoice?
Settle pauses and hands it back to you.
Do I need Xero?
No. Connect Xero to bring in your invoices, or add an invoice directly.
How soon can I start?
Once Pinch verifies your business, you set your limits and approve the first message.
Where is Settle available?
NSW, Victoria, Queensland and the ACT.
How does the beta price work?
The beta price is A$25 a month, locked in for your first 12 months. Cancel any time.
Spend your time on the next job. Not the last invoice.
Get startedBeta: A$25 a month, locked in for 12 months.