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Yes AI - AI Solutions Australia
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Automated Payment Recovery

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.

Get Paid Faster (03) 9003 0111
The Late Payment Crisis
$115 Billion

Owed to Australian SMBs right now

53% of Invoices

Paid after the due date

33 Days Average

Beyond payment terms to receive funds

1 in 4 SMBs

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.

Six Channels of Recovery

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.

98%SMS open rate

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.

3.2xmore effective than email alone

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.

42%payment rate from email sequences

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.

67%faster payment when link included

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.

85%of invoices resolved before escalation

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.

91%completion rate on AI-negotiated plans
Automated Escalation

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.

Day 0

Invoice Sent

Invoice issued with clear payment terms and embedded payment link. AI confirms delivery and logs the start of the reminder cycle.

Day 7

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]"

Day 14

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."

Day 21

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.

Day 30

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.

Adaptive Communication

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.

Pre-Due (Day -3 to 0)

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%

Early Overdue (Day 1-7)

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%

Overdue (Day 8-21)

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%

Significantly Overdue (Day 22-30)

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%

Severely Overdue (Day 30+)

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%

Interactive Calculator

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

$85,000
$10K$500K
42 days
7 days90 days
62%
10%90%

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 Reduction

Late Payment Rate

20%was 62%

Avg Payment Time

19 dayswas 42

Reduced Total Cost

$3K

Annual Savings

$20K

Save $20K Per Year
Seamless Integrations

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

Avg overdue42 days
Late rate62%

Progress claims delayed, subcontractors unpaid downstream

Markedly shorter average payment times

Professional Services

Avg overdue38 days
Late rate48%

Clients dispute hours, invoices lost in email

Substantially lower late payment rate

Healthcare & Allied

Avg overdue35 days
Late rate41%

Gap payments after Medicare, patients forget co-pays

Stronger patient payment compliance

Property Management

Avg overdue32 days
Late rate55%

Tenants pay late habitually, rent arrears compound

Higher on-time rent collection

Wholesale & Distribution

Avg overdue45 days
Late rate58%

Large invoice volumes, small team chasing payments

Freed up significant accounts receivable time

Retail & E-Commerce

Avg overdue28 days
Late rate33%

Failed subscription payments, abandoned invoices

Much higher failed payment recovery

IT & Technology

Avg overdue30 days
Late rate37%

Recurring SaaS invoices missed, licence renewals forgotten

Improved renewal payment capture

Legal & Accounting

Avg overdue40 days
Late rate52%

High-value invoices, clients question line items

Notably shorter average days to payment

“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.”
MT

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.”
SL

Simone L.

Property Manager, Bayside Melbourne VIC

Frequently Asked Questions

Everything you need to know about AI-powered payment reminders for your Australian business.

Stop Chasing. Start Collecting.

Every Day You Chase Invoices Manually Is Revenue You Are Losing

Australian businesses that automate their payment reminders get paid faster and recover overdue invoices sooner. Book a consultation and see exactly how much your late payments are costing you - and how quickly AI can fix it.

Get Paid Faster Today (03) 9003 0111

30-minute consultation. No contracts. See your cash flow improvement forecast within 48 hours.