Automated collections for Australian small businesses — without the commissions, the conflict, or the awkward phone calls.
Trusted by Australian small businesses that keep Australia running
PROBLEM → PROMISE
Most businesses don't fail because the work is bad. They fail because the money doesn't arrive in time.
Traditional collectors charge 15–30% and burn the relationships you spent years building. There's a better way.
Read why Chargetree exists
10 hours/wk
The average small business owner spends ten hours a week chasing payments. That's a day and a half of your life — every week — on work that produces nothing billable.
1%
Recovery probability drops every week after an invoice goes unpaid. By 12 months, you're down to 5–10%.
53%
More than half of all invoices are paid late — an average of 23 days beyond terms. Across a year, that's months of cash flow you're running without.
THE WORKFLOW
From overdue invoice
to paid — automatically.
Add your invoices. Set your sequences. Chargetree handles every reminder, every escalation, and every payment — while you get on with the job.
Send invoices customers actually pay
Clear, professional invoices with a direct payment link — no chasing required at the start. Give customers every reason to pay on time before the reminders even kick in.
Set your collection sequences
Choose from proven reminder templates or build your own. Branded emails from your domain — they look like they came from you, not a collections agency.
Customers pay on their terms
Customers pay in full, set up a payment plan, or resolve disputes — all through a branded self-service portal. You see every action in real time on your dashboard.
XERO INTEGRATION
Xero knows what's owed. We collect it.
Your accountant bills by the hour. Every payment that auto-reconciles back to Xero is time they're not spending on manual entries — and a line item off your next invoice.
Simple setup
Authorise the connection in Xero and you're live. Takes less than 60 seconds. No integration team, no engineering work, no configuration files.
Real-time invoice sync
New and existing invoices are updated in Chargetree and Xero the moment they're updated.
Auto-reconcile payments
Every payment collected through Chargetree reconciles back to your Xero ledger automatically.
XERO INTEGRATION
Xero knows what's owed. We collect it.
Your accountant bills by the hour. Every payment that auto-reconciles back to Xero is time they're not spending on manual entries — and a line item off your next invoice.
Automated collection workflows
Multi-step dunning sequences that escalate from polite reminders to formal demands – automatically. Never miss a follow-up again.
Multi-channel reminders
Email on every plan. SMS on Pro and Max – with 90–98% open rates and 45% response rates. Escalate through the right channel at the right time, automatically.
Self-service debtor portal
Customers view invoices and make part payments – all under your branding. 80–85% of inquiries resolved without you picking up the phone.
Real-time AR dashboard
Live visibility of every active case, every reminder sent, every payment received. Override automation anytime. You stay in control – always.
PLANS + PRICING
Flat fee. No commissions.
No lock-in.
Pay a predictable monthly subscription — not a percentage of every dollar you recover. At $69/month, you break even on the first invoice.
Starter
Core collections engine
$69
/ month
Everything you need to send professional invoices and start recovering payments automatically.
KEY FEATURES
10 invoices per month
Automated email reminders
Co-branded payments portal
Xero sync for auto-reconciliation
Basic analytics
Start a free trial
MOST POPULAR
Pro
Automation & scale
$149
/ month
Built for businesses ready to systematise collections and recover more without lifting a finger.
KEY FEATURES
50 invoices per month
Automated email reminders
Co-branded payments portal
Xero sync for auto-reconciliation
Analytics
SMS reminders ($0.10/SMS)
Late fee and early payment discount
Priority support
Start a free trial
Max
Unlimited volume & control
$349
/ month
For high-volume businesses that need full control, user management, and dedicated support.
KEY FEATURES
Unlimited invoices
Automated email reminders
Co-branded payments portal
Xero sync for auto-reconciliation
Analytics
200 SMS reminders included
Late fee and early payment discount
User management
Priority support
Start a free trial
TESTED BY REAL BUSINESSES
The numbers that
matter to real owners.
Construction, trades, professional services. These are the businesses Chargetree is built for, and the results they get from making collections systematic.
"I was spending eight hours a week chasing payments and still losing invoices through the cracks. Chargetree recovered $120K in the first ninety days and cut my time down to one hour. My relationship with my biggest client is actually better — because the reminders are professional and consistent, not desperate."
Marcus T.
Director · Residential Builder, Sydney NSW
"I couldn't chase head contractors too hard without risking the next job. Chargetree does it professionally. Eighteen-day reduction in average payment time. And I avoided $45K in invoice financing costs last year."
Marcus T.
Owner · Electrical Contractor, Melbourne VIC
"Large invoices made collection conversations feel high-stakes. Now 90% of invoices are paid within terms. The self-service portal stopped the 'when's my invoice due?' calls entirely."
Sarah L.
Partner · Accounting Firm, Sydney NSW
USE CASES
Built for how your
industry actually works.
Late payment looks different in construction versus professional services versus trades. Chargetree is built around those differences – not a generic template.
