AI-Powered Payment Collection on Autopilot
Collections software the practice runs across every client sales ledger without rebuilding the chase rules.
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Let AI Agent run your collections
One prompt. Multiple tools. Real outcomes.
Score debtors
Let AI Agent run your collections
Score debtors
Score the open debtor ledger for this client in Xero at the start of the period. Pull aged debtors, the prior twelve months of payment history per customer and any agreed payment plans on file. Compute a pay-on-time score per customer and segment into pay-on-time, slow-pay, dispute-prone and at-risk cohorts. Apply the practice's risk policy: hold orders for at-risk customers, refer slow-pay to credit control, route disputes to the senior. If a customer's score has dropped materially since last period, ask me before adding the customer to the watch list. Pause before placing any customer on hold. Send a Slack debtor scoring report listing cohorts, watchlist additions and customers for senior review.
Run chase cycle
Run this period's chase cycle for this client in QuickBooks. For each open invoice past the customer's pay-on-time profile, send the appropriate chase message through Gmail using the practice's template, with the customer's prior context, the open invoice list and the agreed tone. Apply the chase calendar learned from the customer's actual pay rhythm, not a generic 30/60/90 reminder. If a customer responds with a payment promise, log it against the invoice and schedule the follow-up check. Pause before sending any message that would breach the practice's escalation policy. Ask me where the practice keeps the chase template library. Save a note for the practice manager listing chases sent, replies received and payment promises captured this period.
Handle disputes
Handle disputed invoices for this client's sales ledger in Sage 50. Pull every invoice flagged as disputed, capture the dispute reason from the customer's reply, and gather supporting evidence: original purchase order, delivery note, contract terms and prior credit notes. Prepare a resolution proposal per dispute: full credit, partial credit, payment plan or escalate to the senior. If the dispute touches a contractual term the practice has not seen before, ask me before drafting the response. Pause before issuing any credit note above the agreed materiality. Save the dispute pack with the resolution proposal to Google Drive ready for senior sign-off and customer reply.
Escalate overdue
Escalate the seriously overdue debtor list for this client in FreeAgent at the end of the chase cycle. Identify customers past the practice's pre-legal threshold by ageing and value, prepare the final reminder, the seven-day statutory notice and the pre-legal pack for the partner with supporting documents attached. Compute the statutory interest and the recovery fees under the Late Payment Act and include them in the pre-legal statement. If a debtor appears insolvent or in administration, ask me before issuing the final reminder. Pause before any pre-legal escalation. Save the escalation pack to Google Drive and notify the partner by email with the recommended next step.
Trusted by the world's best
“Each customer request used to take 4 hours of manual work across 3 different systems. Now with Minded over 80% of payment requests take less than 10 minutes and our VIP customers have never been happier.”
“We serve 40% more clients per bookkeeper with no new hires. AI files the tax forms and drafts the documentation. Each bookkeeper gets 12 hours a week back for review and advisory work.”
“We dropped Excel sheets and finance emails for automating payments and invoices for 50K restaurants. AI worked on top of SAP without migration.”
Integrate with your existing software
Seamlessly integrate payment collection workflows with your existing tools, ERP, and communication channels.
Benefits
Up to 80% lower cost to serve per debtor
Dunning ladders, statement chase, dispute notes and promise-to-pay tracking stop running one debtor at a time. The AI Agents repeat collections motion across the book, which is where the up to 80% low
Chase calendars that learn each customer's pay rhythm
Generic 30/60/90 reminders miss every customer with a real pattern. The agent learns each customer's pay-on-time profile, the seasonal slow-down and the dispute history, then chases at the right momen
One collections flow across Xero, QuickBooks, Sage 50 and FreeAgent
A real practice runs credit control across clients on Xero, QuickBooks, Sage 50 and FreeAgent at the same time. The same chase, dispute and escalation motion runs in every ledger. See [cash flow forec
Activate your tools without APIs
Forget about asking your CTO to shift priorities, let your agents operate like your humans do and deliver real value to your customers from day 1.