in2 collect plugs into your Xero, Sage or NetSuite ledger and runs your whole cash workflow — both sides. AI chasing with one-click pay links, an inbox that handles debtor replies and disputes, live credit scoring on every customer — plus a payables side that shows money in vs money out, tells you what to pay this week, and flags supplier risk and price rises.
Built for UK businesses that invoice on terms
Chasing invoices is slow, awkward, and never-ending — so it slips. Meanwhile the money you've already earned sits unpaid.
Sources: QuickBooks UK Late Payments Report 2025 · UK Small Business Commissioner
Most tools just fire out reminders. in2 collect runs the full loop — chasing, the replies that come back, and the cash forecast your board actually wants.
Everyone sends chasers. Nobody handles what comes back. in2 collect reads every debtor reply, works out what it means, and acts — so "I already paid", "send me a copy", and "we dispute line 3" don't pile up in your inbox.
It reads, classifies, and drafts the reply — checking "already paid" claims against your live Xero record. Promise dates flow into your cash forecast, disputes get flagged, and a remittance is reconciled line-by-line — so you chase only what's actually unpaid.
Every chase can carry a Pay now link — card or UK pay-by-bank. Your customer taps, pays, and the invoice reconciles itself to paid. No more "I already paid" limbo.
Every customer scored on real payment behaviour and live Companies House data — with recommended credit limits and alerts the moment one turns risky or files late.
Tone-matched, escalating chase sequences that read like a person wrote them, sent from your domain across email and SMS. Polite for good customers, firmer for repeat offenders.
Live DSO, aged-debt breakdown, and a 13-week forecast of when cash will actually arrive — based on who really pays on time. The view your board keeps asking for.
Secure connection to Xero, Sage or NetSuite. Your ledger, customers and invoices sync automatically — nothing to import, nothing to maintain. (QuickBooks next.)
Nothing is sent without your say-so until you arm it. Per-send approval, daily caps, suppression lists and statutory-interest rules keep you in control and on the right side of the rules.
in2 collect doesn't just bring cash in — it now runs your payables too. See money in vs money out, know what to pay this week, watch supplier risk, and catch the price rises suppliers hope you won't notice.
The hard part of finance isn't sending messages — it's handling what comes back, and getting sign-off before money moves. in2 collect runs both: a Reply inbox for what your customers say, and a Payables inbox for what your suppliers say — each read, classified and drafted by AI. Every bill flows through a clean approval workflow before a penny is paid.
Pending → approved → scheduled. Every bill follows your approval workflow, and supplier replies get triaged exactly like debtor replies. You stay in control; the AI does the legwork.
Money in (predicted collections) against money out (your Xero bills), with a net position for the week and a four-week forecast. Both sides of your cash, in one screen at last.
Bills move through pending → approved → on hold → scheduled with one-click status and an AI-drafted approval request. Know exactly what to pay this week — and what to hold back.
Every supplier scored on live Companies House data, plus a watch on their invoices that flags price increases automatically — with a ready-to-send query so you can push back before you pay.
One secure connection. in2 collect pulls in your outstanding invoices, customers and contact details automatically.
Smart sequences go out from your domain. When debtors reply, the AI inbox reads, classifies and drafts the response — promises logged, disputes routed.
Your dashboard shows cash landing and days-sales-outstanding dropping — with a forecast of exactly when the rest arrives.
One invoice paid on time usually covers the month. Founding partners lock in the lowest price we'll ever offer.
14-day free trial · no card required · cancel anytime. Prices ex. VAT.
We're onboarding a small group of UK finance teams as founding partners — founder pricing locked for life, and a direct line to shape the roadmap. Share your details and we'll set up a 15-minute demo.
No spam, ever. Just a real conversation about getting you paid faster.