Chargetree sends professional reminders by email, SMS, and phone automatically — so you get paid without the stress or the 15–30% commission.
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More than an debt collector.
At 1% of the price.
No commissions. No damaged relationships. Just results.
Built for every business that deserves a better collections experience.
Whether your a solo business or a 50-person team, Chargetree works like an accountant who never sleeps, never misses an invoice, and keeps getting smarter.
STEP 1
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.
STEP 2
Set your collection sequences
Choose which collection reminders you want to activate. Branded emails from your company — they look like they came from you, not a collections agency.
STEP 3
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.
Every business deserves to be paid
Construction, trades, professional services. These are the businesses Chargetree is built for, and the results they get from making collections automated.
"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."
Peter C.
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
Ready in 5 minutes.
Results in 28 days.
From invoicing to collections — one platform, fully automated.
Will this damage my relationships with customers?
No. Chargetree sends messages in your name, using your branding, with a professional tone you control. Your customers never see the word "collections" or know third-party software is involved. It reads like a message from you — without the awkwardness of you having to send it.
Will my customers know their invoice has been sent to a collections tool?
No. Every reminder comes from your business identity. There is no Chargetree branding on outbound messages. To your customer, it looks like your business is on top of its accounts — which, now, it is.
Do I have to be on Xero?
No. Chargetree has its own built-in invoicing system, so you can create and manage invoices directly without any third-party accounting software. If you do use Xero, Chargetree syncs with it automatically so your invoices pull across without any manual work.
Can I choose which invoices get chased?
Yes. You can exclude specific clients, invoice types, or amounts. If you have a sensitive relationship you want to handle personally, you override it with one click. Chargetree works around you, not the other way around.
What if a customer disputes an invoice?
You pause the sequence on that invoice instantly from your dashboard. Chargetree does not continue sending reminders on disputed invoices unless you restart them. You stay in full control at every step.
What happens if a customer still doesn't pay after all the reminders?
Chargetree escalates through your chosen sequence — email, SMS, and phone. If a debt remains unpaid after that, the dashboard flags it clearly so you can decide whether to escalate further through legal channels. Chargetree does not replace your judgment on hard cases — it handles the 80% that just need a professional nudge.
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