Chaos starts before the invoice even goes out
Drafts, edits, approvals, and internal decisions are spread across billing tools, inboxes, and team chat. Nobody sees the full picture.
Faster Collections.
Without the Chaos.
The last workspace from draft to paid. Centralise context, automate chasing, and make it easy for your clients to pay.
3×
faster payment cycles
82%
less time on follow-ups
Zero
invoices lost in email
Getting paid is harder
than it should be.
Getting paid is a mess of disconnected tools, zero visibility, manual chasing and a client experience that makes paying you harder than it needs to be.
Errors surface after the client sees them
Reviews happen in side conversations. Decisions aren't captured. By the time a mistake is caught, the client already has the invoice.
Zero visibility after you hit send
Did they open it? Did they ignore it? Did they question it? You send and you wait with no information to act on.
Follow-ups depend on who remembers
Chasing overdue invoices falls to whoever thinks of it first. Nudges go out late, inconsistently, or not at all.
Disputes disappear into email threads
A client questions a line item. The back-and-forth splits across inboxes, chat tools, and calls nobody documented.
Paying you is harder than it should be
Your client wants to pay, but they are still digging through email for the invoice, the amount due, the payment method, or the next step.
The cost isn't just
late payments.
It's the admin drag, the planning gaps, the strained follow-ups, and the growth decisions you postpone while waiting on revenue that should already be in the bank.
23days
longer to collect than businesses using structured AR workflows
14hrs
per week lost per finance team member on manual follow-up tasks
1 in 3
invoices are paid late — most due to communication failures, not unwillingness
$100k+
in average annual cash flow impact for a 20-person services business
One workspace.
Every step from invoice to paid.
Settle brings your entire billing operation into a single, structured workspace — so your team moves faster, your clients pay easier, and nothing falls through the cracks.
#01 - Internal control
Run the billing operation before chaos starts.
Everything your team needs to prepare, review, and align on an invoice before the client ever sees it.
Core workspace
The command center for every invoice
Create, review, approve, send, and track every invoice from one shared workspace. See what's pending, what's overdue, and what's at risk without pulling information from three different places.
Invoice workspace
Track approvals, disputes, and payment status
AllAt riskApprovals
Approval
Awaiting finance sign-off
PendingUpdated scope added after client sign-off. Needs finance review before send.
Maya Chen, Finance Lead
Assigned approver
Due in 3 hours
Dispute
Client flagged duplicate line item
OpenQuestion raised on the implementation milestone dated April 11. Waiting on revised backup.
Jordan Patel, Account Manager
Case owner
Opened 42 minutes ago
Approvals
Nothing leaves unaccounted
Route invoices through the right reviewers before anything goes out. Capture decisions, log sign-offs, and catch errors before the client ever sees them.
INV-2058
Approval details for Hightower Studio
Collaboration
Keep everyone aligned
Every invoice has its own workspace. Questions, context, and approvals live right alongside the invoice instead of getting buried six inboxes deep.
#02 - Collections execution
Operate follow-up like a system, not a scramble.
The parts of collections that usually break down after send become structured, visible, and easier to act on.
Automation
Reminders that run themselves
Configure your follow-up sequences once. Settle handles the nudges automatically on your timeline and in your tone so your team stops wasting time on manual chasing.
Quarterly AR follow-up
ActiveStep 1Enabled
Send once via Email 3 days before the due date at 9:00 AM.
Step 2Enabled
Send once via Email on the due date at 9:00 AM.
Step 3Enabled
Repeat until paid via Email every 7 days, starting 7 days after the due date, at 10:00 AM.
Tracking
Know the moment they looked
See when your client opens an invoice, how many times they've viewed it, and who on their side is looking. Act on information instead of assumptions.
Invoice engagement
Portal opens and the latest engagement captured for this invoice.
Total views
6
Viewers
2
Last open
12m ago
ViewedApr 30, 2026 11:48 AM
Jordan Lee opened INV-2056
Third open today from Northstar Retail Group using portal access
ViewedApr 30, 2026 10:16 AM
Invoice reopened from shared portal link
Same viewer returned after the due today reminder was delivered
Latest view
Who opened it most recently and what changed.
Active viewer
Jordan Lee
billing@northstarretail.com
Portal access
Northstar Retail Group
Device
Chrome on macOS
IP address
203.0.113.42
Signal
Multiple views after the due-date reminder suggest the invoice is being actively reviewed.
Disputes
Disputes handled in context
Clients raise disputes directly on the invoice. Your team responds in the same place. Faster resolution, clean documentation, no derailed relationships.
Dispute Details
Invoice INV-2056 · Northstar Retail Group
Under review
Duplicate charge
Client flagged the implementation milestone as billed twice and asked for a revised breakdown before payment is released.
Dispute opened by client
Apr 29, 2026 4:32 PM
Question raised on the implementation milestone after the invoice was viewed twice.
Assigned to Priya Shah
Apr 29, 2026 4:48 PM
Account owner notified and supporting documents requested from finance.
#03 - Client payment experience
Make it easier for clients to complete the next step.
Once the invoice reaches the client, the payment experience should feel clear, direct, and frictionless.
Client portal
Give clients a place to pay, respond, and move forward
Give each client a dedicated portal with their full invoice history, outstanding balances, and a clear path to pay. Less friction for them means faster payment for you.
Outstanding balance
$18,745
Open invoices
3
Recent payments
$8,200
Payments
Flexible payment setup
Configure payment methods, bank details, and instructions per invoice or per client. Remove every reason a payment might be delayed.
Payment methods
Choose how this client can pay this invoice.
ACH transfer
Default for US clients
Card payments
Visa, Mastercard, Amex
Manual bank transfer
Invoice-specific instructions
Method details
Configured per invoice so clients see exactly how to pay.
ACH transfer
Account holderSettle Finance LLC
Bank nameMercury Bank
Account number•••• 2048
Routing number021000021
Instructions
Use the invoice number as the payment reference so incoming transfers reconcile automatically.
Communication
Client communication beside the invoice
Keep client questions, replies, and dispute context attached to the invoice so nothing gets lost across email threads.
Faster collections.
Lower DSO.
Structured billing.
When billing is structured, cash flow becomes more predictable and the whole finance function gets easier to run.
Average time to payment
Before
41d
After
14d
Team hours on AR / week
Before
14h
After
3h
Invoice open rate visibility
Before
0%
After
100%
Automated follow-ups and real-time client visibility close the payment gaps that unstructured processes leave wide open.
Make the choice.
Another month of chasing invoices or a billing operation that collects on time, every time.
Setup takes under 10 minutes · No contracts