Accounts Receivable Software
Your customers owe you money.
We help you collect it.
Settlah automates your accounts receivable — from first invoice to final payment. Issue charges, send timed reminders, and let your customers pay via Open Banking or Direct Debit. Every penny tracked. Every chase automated.
14-day free trial · No credit card required · UK-based support
Stop chasing invoices manually.
Your finance team shouldn't spend hours on spreadsheets, phone calls, and "just checking in" emails. Settlah replaces the manual chase with automated, timed, multi-channel reminders — so you get paid sooner and your team spends time on work that matters.
How It Works
Three steps to automated collections
Record what's owed
Create one-off charges or set up recurring billing plans with flexible intervals, anchor days, and automatic issuance. Every amount stored as an exact integer — no rounding errors, ever.
Automate the chase
Configure reminder rules that fire before, on, and after due dates. Email, in-app, SMS, and push notifications — all templated, all timed, all logged. Escalation from friendly nudge to formal notice happens automatically.
Collect payment
Your customers log into their portal, see exactly what they owe, and pay instantly via Open Banking (Pay by Bank) or set up a Bacs Direct Debit for recurring charges. Payments allocate automatically to the oldest outstanding charges.
Average collection rate
Floating-point errors
Avg. time to first payment
Data isolation guarantee
Platform Capabilities
Built for the realities of accounts receivable
Recurring charges that materialise on schedule
Define billing plans with weekly, monthly, quarterly, or annual intervals. Charges materialise automatically with sequential invoice numbers, idempotency keys, and configurable due dates. Anchor-day support ensures the 31st of the month works correctly.
Automated dunning with escalating formality
Set reminder rules that fire at precise offsets — 7 days before due, on the day, 3 days overdue, 14 days overdue. Each step uses your custom templates and chosen channels. The system chases so your team doesn't have to.
Open Banking and Bacs Direct Debit
Customers pay through their own portal via Stripe-powered Open Banking (instant bank transfer) or authorise a Bacs Direct Debit mandate for recurring collection. Funds settle directly to your Stripe Connect account.
Your data is mathematically yours
Every database query is scoped to your tenant. A Prisma Client extension injects your tenant ID into every read and write — cross-tenant data access is structurally impossible, not just policy. Audited, tested, enforced at the ORM layer.
Precision
Every figure, to the penny
| Customer | Reference | Description | Amount | Paid | Balance | Status |
|---|---|---|---|---|---|---|
| Hargreaves & Co | INV-001247 | Monthly retainer — June 2026 | £2,400.00 | £2,400.00 | £0.00 | Paid |
| Whitfield Property Ltd | INV-001248 | Quarterly service charge — Q2 | £8,750.00 | £4,375.00 | £4,375.00 | Due |
| Bennett Trading | INV-001243 | Annual licence renewal | £1,200.00 | £0.00 | £1,200.00 | Overdue |
All monetary values stored as integers (pence). Zero floating-point arithmetic. JetBrains Mono tabular figures for absolute column alignment.
Ready to stop chasing and start collecting?
Set up in under an hour. Import your customer list, configure your reminder rules, and let Settlah handle the rest.