Platform Features
Everything you need to collect what you're owed
Settlah handles the full accounts receivable lifecycle — from issuing a charge to collecting the payment — with automated reminders, multi-channel notifications, and penny-perfect precision.
Recurring Billing
Charges that materialise on schedule
Define billing plans with weekly, monthly, quarterly, or annual intervals. Each charge materialises automatically with a sequential invoice number, an idempotency key to prevent duplicates, and a configurable due date. Anchor-day support handles months with 28, 30, and 31 days correctly.
- Weekly, monthly, quarterly, and annual intervals
- Anchor-day support (e.g. always the 15th)
- Auto-issue or manual approval before sending
- Sequential tenant-scoped invoice numbering
- Period-key idempotency — no duplicate charges
Automated Dunning
Escalating reminders without manual effort
Configure reminder rules that fire at precise day offsets relative to the due date. Each rule specifies which notification channels to use and which message template to send. The system progresses from a friendly nudge to a formal notice automatically.
- Configurable day offsets (before, on, and after due date)
- Multi-channel: email, in-app, SMS, push notification
- Custom message templates with Markdown support
- Automatic escalation through your defined sequence
- Full audit trail of every reminder sent
Payment Collection
Open Banking and Bacs Direct Debit
Your customers log into their branded portal, see exactly what they owe, and pay via Stripe-powered Open Banking (instant bank transfer) or authorise a Bacs Direct Debit mandate for recurring automatic collection. Payments allocate to the oldest outstanding charges first.
- Open Banking (Pay by Bank) — instant settlement
- Bacs Direct Debit — recurring automatic collection
- Card payments as fallback
- Oldest-first automatic payment allocation
- Partial payment support with running balances
Customer Self-Service
A portal your customers will actually use
Every tenant gets a branded customer portal where debtors can view their outstanding charges, download statements, make payments, set up Direct Debit mandates, and manage their notification preferences. Available on web and mobile (React Native).
- Branded with your company colours and logo
- Full charge history with downloadable statements
- Self-service payment via multiple methods
- Direct Debit mandate setup and management
- Push notifications via Expo for mobile
Tenant Isolation
Your data is structurally yours
Every database query is scoped to your tenant via a Prisma Client extension that injects your tenant ID into every read and write. Cross-tenant data access is mathematically impossible at the ORM layer — not merely a policy, but a structural guarantee.
- Prisma Client extension enforces tenant scope
- AsyncLocalStorage context per request
- No raw SQL — all queries pass through the ORM
- Platform operations require explicit cross-tenant flag
- Full audit log of every cross-tenant read
Precision Arithmetic
Every penny exact. No rounding. No floats.
All monetary values are stored as BigInt (integer pence) and all arithmetic uses integer operations. There is no floating-point calculation anywhere in the system. Payment allocations, partial payments, and refunds resolve to exact penny values with zero drift.
- BigInt storage for all monetary values
- Integer-only arithmetic — no parseFloat, no toFixed
- JetBrains Mono tabular figures in all UI
- Right-aligned, monospaced amounts in every table
- Stripe amounts passed as integer pence, always
See it in action
Request a demo and we'll walk you through the platform — from charge creation to payment collection — using your real data.