Close the loop on accounts receivable
Other tools automate the chasing. Kollectly automates the whole conversation — including when your debtors write back. Our AI reads each reply, drafts the response from your templates, and can even act in Xero. Keep a human in control, then let it run on its own once you trust it.
Reply lands
"Please send future invoices to our new AP contact, Maria — maria@acme.com."
AI reads & acts
Recognises a contact change, updates the customer’s contact directly in Xero, and drafts a confirmation.
Human approves
Sarah reviews the Xero update and the reply in one click, then sends.
Loop closes
Confirmation sent, contact synced, and everything logged to the timeline.
Trapped in excess AR
Cash sitting in overdue US receivables
Of replies captured
Every debtor response read, classified and logged
Per week back
Time your team spends triaging inbound email
Not months to value
Live in days — no autonomous-agent setup
Your tools send the reminder. Then the reply lands in your inbox.
A promise to pay. A request to change the billing contact. "What is this invoice for?" That inbound email is where AR time actually goes — and it's where every other tool stops. Replies get buried in personal inboxes, the audit trail breaks, and your team spends the better part of a day a week typing the same answers and updating the ledger by hand.
From reply to resolved — without the manual triage
Kollectly reads the inbound email, drafts from your templates, takes the right action, and routes it to a human — until you’re confident enough to let it send on its own.
Every debtor reply is parsed and tagged — invoice query, promise to pay, contact change, extension — and attached to the right invoice.
The AI fills your templated reply with live Xero fields and can act in your ledger — like updating a customer’s contact — so the work is already done.
Review and send in one click. As you build trust in a classification, let Kollectly send those replies automatically — every action logged.
A complete AR suite — not just an agent layer
Everything you need to turn revenue into cash, with the inbound email problem finally solved.
Reads every inbound debtor reply, classifies it, and drafts the right response — filling templated replies with live data from Xero. It can even take action, like updating a contact, and graduate to sending on its own once you trust it.
Build a reply template per classification with placeholders that pull straight from Xero — invoice number, description, amount — so answers stay accurate, consistent and safe to automate.
Automated, personalised reminder sequences that adapt to how each customer pays. Set the cadence once, let it run.
A branded portal where debtors view invoices, raise queries and settle up — without an email thread.
Customers will be able to pay the moment they’re ready, with automatic cash application back to the invoice.
Group debtors by risk, behaviour or relationship and tailor how — and how hard — you chase each one.
Start with a human in control. Automate at your own pace.
Every reply is reviewed by your team to begin with — nothing goes out without a human. Because replies are drafted from templates that pull straight from Xero, they’re consistent and accurate, so confidence builds fast. When you’re ready, graduate a classification to send on its own. You decide how much to automate, and when.
How Kollectly compares
The practical middle ground between basic chasers and bet-the-team autonomous agents.
| Capability | Kollectly | Fazeshift | Monk | Upflow | Chaser | Quadient |
|---|---|---|---|---|---|---|
| AI inbound email reply assistant | ||||||
| Human-in-the-loop by design | ||||||
| Complete AR suite (chase · portal · pay) | ||||||
| Built-in payments | ||||||
| Affordable for lean finance teams | ||||||
| Speed to value | ||||||
| Modern UI |
Comparison reflects publicly available positioning as of 2026 and is intended as a general guide.
Playbooks for lean finance teams
Practical guides on collections, finance operations, and putting AI to work — written for teams of one to five.
Chasing & collections
Get paid faster
Five consistent habits the fastest-paid small finance teams share — from same-day invoicing to chasing at 7 days, not 30.
Sending reminders is solved. The hidden time drain is what happens when customers write back — and how the best teams handle it.
Finance operations
Run a tighter back office
Pair every financial line with a leading indicator so you see problems before they hit the numbers. Includes a worked example.
The questions that separate a plan from a wish list — so spend requests come with a strategy attached.
Most collections problems are billing problems in disguise. The invoice-setup habits that make chasing far quieter.
Get a day a week back. Close the loop.
See how Kollectly handles the reply your current tool leaves on the table.