Stop Chasing Invoices. Start Getting Paid.
Australian SMBs are owed $115 billion in late payments at any given time. 53% of invoices are paid late. Our AI automates SMS reminders, phone calls, and email follow-ups — reducing late payments by 67% and freeing your team from the endless chase.
Owed to Australian SMBs right now
Paid after the due date
Beyond payment terms to receive funds
Experience cash flow stress from late payments
Late payments are the #1 cause of SMB insolvency in Australia
— Australian Small Business and Family Enterprise Ombudsman
Every Late Invoice Is Money You Have Already Earned But Cannot Spend
You did the work. You sent the invoice. But the payment never came on time. Meanwhile, your suppliers want paying, your staff need wages, and your cash flow is strangled by clients who simply forgot — or are hoping you will not chase them.
$115B
Owed to Australian SMBs
At any given moment, small and medium businesses across Australia are collectively owed over $115 billion in outstanding invoices. That is money earned but not received.
53%
Of Invoices Paid Late
More than half of all B2B invoices in Australia are paid after the due date. For trades and construction, it is even worse — 62% of invoices are late.
11 hrs
Per Week Chasing Payments
The average Australian SMB owner spends 11 hours per week — a day and a half — on accounts receivable tasks. That is time stolen from growing the business.
67%
Reduction with AI Reminders
Businesses using AI-powered multi-channel reminders (SMS + calls + email) see late payments drop by two-thirds within the first 90 days of deployment.
AI-Powered Payment Recovery on Autopilot
From gentle SMS nudges to firm AI phone calls — six automated channels working in concert to get you paid faster, without your team lifting a finger.
SMS Payment Reminders
Automated SMS nudges sent at optimal times with personalised messages referencing the specific invoice, amount, and due date. 98% open rate within 3 minutes — the fastest way to prompt payment action.
AI Phone Calls for Overdue Accounts
When invoices pass your overdue threshold, AI places a warm, conversational call. Natural Australian accent, empathetic tone, and the ability to negotiate payment dates or direct to a payment portal — all without human involvement.
Email Reminder Sequences
Multi-touch email sequences with escalating urgency — from a friendly heads-up 3 days before due, to a firm final notice at 30 days overdue. Each email includes a one-click payment link and the outstanding amount.
Payment Link Generation
Every reminder includes a unique, secure payment link. One tap on mobile or one click on desktop opens a branded payment page with the exact amount pre-filled. Accept credit cards, bank transfers, and PayID instantly.
Escalation Workflows
Customisable escalation rules that progress from gentle to firm automatically. Define when to escalate from SMS to call, when to involve your accounts team, and when to flag for collections — all hands-free.
Payment Plan Negotiation
AI can offer and negotiate structured payment plans within parameters you define. Struggling clients get a path to paying in full, you get committed instalments — automatically documented and tracked.
The 30-Day Payment Recovery Timeline
From invoice delivery to final notice — every touchpoint is automated, timed precisely, and adapted to each client's response history.
Invoice Sent
Invoice issued with clear payment terms and embedded payment link. AI confirms delivery and logs the start of the reminder cycle.
Invoice Sent
Invoice issued with clear payment terms and embedded payment link. AI confirms delivery and logs the start of the reminder cycle.
Friendly SMS
A polite, personalised SMS: "Hi Sarah, just a reminder that invoice #1042 for $2,400 is due in 7 days. Pay instantly here: [link]"
Friendly SMS
A polite, personalised SMS: "Hi Sarah, just a reminder that invoice #1042 for $2,400 is due in 7 days. Pay instantly here: [link]"
AI Phone Call
A warm, conversational AI call checking in. "Hi Sarah, I am calling from [Your Business] about invoice 1042. Is everything okay with the payment? I can help set up a payment plan if that would be easier."
AI Phone Call
A warm, conversational AI call checking in. "Hi Sarah, I am calling from [Your Business] about invoice 1042. Is everything okay with the payment? I can help set up a payment plan if that would be easier."
Email Escalation
Formal but respectful email with full invoice details, payment history, and a final payment link. CC to your nominated accounts contact for visibility.
Email Escalation
Formal but respectful email with full invoice details, payment history, and a final payment link. CC to your nominated accounts contact for visibility.
Final Notice
Firm final notice via SMS + email with clear next steps. AI flags the account for your review and can automatically pause services or restrict access based on your rules.
Final Notice
Firm final notice via SMS + email with clear next steps. AI flags the account for your review and can automatically pause services or restrict access based on your rules.
AI Adjusts Tone From Friendly to Firm Automatically
The right message at the right time in the right tone. Our AI calibrates its communication style based on how overdue the invoice is — preserving client relationships while maintaining firmness when it matters.
Friendly Reminder
Warm, casual language. "Just a heads-up that your invoice is coming due soon!" Feels like a helpful nudge, not a demand.
Firmness: 20%
Polite Follow-Up
Slightly more direct but still warm. "We noticed your invoice is now past due. We wanted to make sure you received it and check if you have any questions."
Firmness: 40%
Professional Urgency
Business-like with a clear call to action. "Your payment of $X is now 14 days overdue. Please arrange payment today using the link below or call us to discuss options."
Firmness: 65%
Firm & Direct
Clear consequences stated. "This is a final reminder. Your account of $X is now 25 days overdue. To avoid service interruption and additional fees, please settle this balance immediately."
Firmness: 85%
Final Notice
Formal communication with explicit next steps. Account flagged for your team. Collections referral offered. AI has exhausted all automated resolution paths.
Firmness: 100%
How Much Are Late Payments Costing You?
Enter your business details and see the true cost of late payments — including cash flow drag, admin time, and bad debt — then see how much AI reminders could save you annually.
Your Business Details
Without AI Reminders
Late Invoice Value (Annual)
$632K
Cash Flow Drag
$6K
Admin Chasing Cost
$1K
Bad Debt Write-Off
$16K
Total Annual Cost of Late Payments
$23K
With AI Payment Reminders
67% Late Payment ReductionLate Payment Rate
20%was 62%
Avg Payment Time
19 dayswas 42
Reduced Total Cost
$3K
Annual Savings
$20K
Connects to the Software You Already Use
No manual data entry. No CSV uploads. Our AI syncs directly with your accounting software and payment processors — invoices flow in, reminders go out, payments reconcile automatically.
Xero
Real-time invoice sync, automatic payment matching, contact data pull
MYOB
Invoice import, payment status tracking, debtor aging reports
QuickBooks
Two-way sync, automated reconciliation, customer payment history
Stripe
Payment link generation, card-on-file charging, failed payment retry
Bank Feeds
Direct bank feed matching for BSB/account payments, PayID, and BPAY
Late Payments by Industry
Every industry has its own late payment culture. Our AI adapts reminder timing, tone, and channel to match the norms and expectations of your sector.
Trades & Construction
Progress claims delayed, subcontractors unpaid downstream
Reduced average payment time from 42 to 19 days
Professional Services
Clients dispute hours, invoices lost in email
Late payment rate dropped from 48% to 16%
Healthcare & Allied
Gap payments after Medicare, patients forget co-pays
Patient payment compliance improved by 58%
Property Management
Tenants pay late habitually, rent arrears compound
On-time rent collection increased from 45% to 89%
Wholesale & Distribution
Large invoice volumes, small team chasing payments
Freed 22 hours per week of accounts receivable time
Retail & E-Commerce
Failed subscription payments, abandoned invoices
Failed payment recovery increased from 12% to 71%
IT & Technology
Recurring SaaS invoices missed, licence renewals forgotten
Renewal payment capture rate improved by 44%
Legal & Accounting
High-value invoices, clients question line items
Average days to payment reduced from 40 to 17
“We were spending 15 hours a week chasing invoices. It was soul-destroying — you do great work for a client, then beg them to pay for it. Since setting up the AI reminders, our average payment time has dropped from 38 days to 14 days. The SMS reminders with payment links are magic — people just tap and pay. We have recovered over $180,000 in overdue invoices in the first three months alone.”
Michael T.
Electrical Contractor, Western Sydney NSW
“Managing 340 rental properties means 340 invoices every month. Before the AI, we had two full-time staff just handling arrears. Now the system sends SMS reminders three days before rent is due, follows up automatically, and even negotiates payment arrangements for tenants in hardship. Our on-time payment rate went from 52% to 91%. We redeployed one of those staff members to client acquisition.”
Simone L.
Property Manager, Bayside Melbourne VIC
Frequently Asked Questions
Everything you need to know about AI-powered payment reminders for your Australian business.
Every Day You Chase Invoices Manually Is Revenue You Are Losing
Australian businesses that automate their payment reminders get paid 67% faster and recover thousands in overdue invoices within the first month. Book a free consultation and see exactly how much your late payments are costing you — and how quickly AI can fix it.
Free 20-minute consultation. No contracts. See your cash flow improvement forecast within 48 hours.