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AI-NATIVE CREDIT CONTROL

Get paid faster.
On autopilot.

CollectIQ connects to your accounting system and runs a fully automated credit-control and debt-recovery engine — chasing invoices over email, SMS, WhatsApp and lifelike AI voice calls, then escalating into a regulated recovery brand the moment it matters.

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0%
faster collections
24/7
AI agents on duty
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UK compliant
CollectIQ AI voice agent
The AI Engine

An AI workforce that never sleeps, never forgets, and never misses a payment promise.

CollectIQ doesn't send templated reminders. It runs a portfolio of AI agents — each tuned to a channel, persona and stage — that negotiate, qualify and reconcile in real time.

ElevenLabs · GPT-class

Lifelike voice agent

Natural, multi-turn outbound and inbound calls. Negotiates payment plans, captures promises to pay, books callbacks and routes disputes — fully transcribed.

Per-debtor copy

Contextual email & SMS

Every message is rewritten per debtor — tone, language, urgency and channel adjusted to maximise reply rate while staying TCF-compliant.

Predictive

Payment likelihood scoring

Live ML scoring prioritises ledgers, predicts collectability and reroutes cases to the right cadence — no more chasing the wrong invoice first.

Conversational

WhatsApp negotiation

Two-way conversational AI on the channel most debtors actually read. Promises to pay flow straight into the ledger.

Adaptive

Multilingual & multi-tone

B2B firm, B2C empathetic, late-stage assertive — switch the persona automatically based on segment and stage.

Whisper-class

Real-time transcription

Every call summarised, action-tagged and pushed back into the case file. Disputes and PTPs are structured data, not voicemails.

End-to-end workflow

From overdue invoice to settled payment — without a single manual chase.

Connect Xero, QuickBooks or Sage. The platform ingests every invoice, flags risk in real time, runs the chase, accepts payment, books arrangements and escalates to recovery — all under one audit trail.

  1. 01
    Connect & sync
    Zapier or direct API. Invoices, payments and contacts flow in continuously.
  2. 02
    Risk score
    AI ranks every overdue invoice by likelihood, value and aging.
  3. 03
    Multi-channel chase
    Email, SMS, WhatsApp and AI voice run in concert — no double-tap.
  4. 04
    Negotiate & settle
    Promises to pay, instalments and disputes captured and reconciled.
  5. 05
    Escalate to recovery
    One click (or automatic) — case moves into the regulated recovery brand.

Connect your stack

Xero, QuickBooks, Sage — invoices and payments sync automatically.

Visual workflows

Drag-and-drop cadences. Per-client journeys, channels and escalation rules.

AI voice negotiation

B2B and B2C scripts, promises to pay, instalments — captured, transcribed, actioned.

Regulated escalation

Auto-handoff into the recovery brand. SRA-friendly letters, FCA-aware cadence.

Compliant by default

UK consumer rules, time-window guards, full audit trail. Every touch logged.

Live commercials

Recovery commission, client billing and partner splits calculated in real time.

24/7 operations

AI agents run nights, weekends and bank holidays — within consumer-protection windows.

Built for scale

Multi-tenant, multi-brand. One operator, hundreds of client portfolios.

Stop chasing. Start collecting.

Onboard your accounting system in minutes. Watch your first AI chase go out tonight.

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