An AI platform that runs the payment chasing process from invoiced to paid. Automating the payment chasing, dispute management and coordination that takes you away from your day job.
No credit card required
Live in 5 minutes
Trusted by Australian small businesses that keep Australia running
OUR DIFFERENCE
You shouldn’t have to think about your money.
We deal with it, so you don’t have to. You’ll only hear from us when it counts, with the context and a clear next step already lined up.
Flat monthly fee. Zero commission. Every dollar you recover stays yours.
A local team that learns your customers and owns the tough conversations, from hardship to disputes.
End-to-end chasing done for you. First friendly nudge to pre-legal notices, zero effort on your side.
One live view of every invoice, message and payment. Synced with Xero, always.
01 · GET PAID ON TIME
Payment follow-ups on autopilot
The right message, on the right channel, at the right time, so more reminders turn into payments. Intelligent email, SMS and AI voice calls, sent as you.
Right channel at the right time, built to convert
Polite outreach first, firmer where it counts
Branded as your business with your logo and colours
Every message logged across every channel
02 · KEEP THE CUSTOMER
Hard conversations, handled
When a customer is doing it tough or disputes the bill, Chargetree spots it, pauses reminders and gives them a way forward.
Hardship and disputes detected automatically
Reminders pause while it’s sorted
Customers can set up their own payment plan
You’re told when a decision is yours
03 · CASH IN FASTER
Get paid in two taps
Zero-friction checkout. Apple Pay, Google Pay, card or direct debit, paid in two taps from any phone. Full or part payments, on your terms. Less friction, faster cash.
Apple Pay, Google Pay, card or direct debit
Pay straight from the reminder, on any phone
Part payments: 25%, 50% or a custom amount
You choose which options customers see
04 · PREDICTABLE CASH FLOW
Payment plans that run themselves
Instalments without the admin. Customers pick a plan within your rules and lock in direct debit on the spot. Every payment tracked, every miss flagged instantly.
Self-serve set-up, direct debit locked in
Your rules: instalments, frequency, minimums
Instant alerts for paid and failed payments
Full payment history on every plan
05 · CLEAN BOOKS, NO ADMIN
Real-time Xero, zero data entry
Payments reconcile the moment they land. Two-way sync keeps Chargetree and Xero in lockstep, with an audit trail of every change. Month-end, minus the mess.
Auto-reconciled the moment money lands
Two-way sync, no double handling
Audit trail for every change
Clean books your bookkeeper will love
Get paid without crossing the line.
Every contact follows the ASIC debt collection guidelines. When, how often and what gets said are built into every sequence, so you can follow up firmly without overstepping, and without having to know the rules yourself.
Calls during reasonable hours and frequency
Clear, truthful, but effective wording of communications
Hardship and dispute contact paused and escalated
Transcribes and summaries every communication
No more lying awake wondering who’ll pay. No more dreading the call. From day one, we carry it for you, in your name.
Get paid without picking up the phone
BEFORE
Awkward “just following up” calls you keep putting off.
AFTER
Email, SMS and AI calls go out in your name, on schedule.
Get your evenings back
BEFORE
Sunday nights rewriting the same reminder text.
AFTER
Follow-ups run on their own while you’re on the tools.
Keep the customer
BEFORE
Tense messages that sour a good relationship.
AFTER
Polite, consistent and on-brand, so they book you again.
Say yes to payment plans
BEFORE
Back-and-forth over who pays what, and when.
AFTER
Customers set up plans themselves. You get a notification.
Know exactly where your cash is
BEFORE
Spreadsheets, sticky notes and guesswork.
AFTER
Every invoice, message and promise to pay in one live view.
Escalate the right way
BEFORE
Winging a letter of demand and hoping it’s legal.
AFTER
Formal notices that follow the rules, backed by a full record.
CASE STUDY
Cash flow depended on when the owner found time to chase. He was following up invoices in his downtime instead of growing the business. Now the follow-ups run themselves.
$16,121.35
overdue recovered (14 days)
87
overdue invoices recovered (14 days)
No credit card
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Australian team