The collections system your finance team will actually use.
Automate payments on account, reduce debtor days and give your team control of every invoice, from due date to reconciliation.
From open invoice to money in the bank.
PencilPay gives every collections step one clear owner, one source of truth and one automated next action.
Connect
Invoices and terms sync from your accounting or ERP platform.
Communicate
Personalised reminders go out before and after the due date.
Collect
Charge securely stored bank or card details when payment falls due.
Resolve
Bundle overdue invoices into manageable payment arrangements.
Reconcile
Match daily settlements and fees back to the ledger in one click.
Financial control. Without customer friction.
A collections system only works when your finance team can trust it and your customers find it simple to pay.
Know what happens next.
- Automated actions on every agreed term
- One view of risk, invoices and payment status
- Clear audit trail across every account
Pay without the back-and-forth.
- Timely, personalised communication
- Card and Direct Debit options
- Flexible arrangements when they need help
Store once. Collect on time.
Capture bank or card details securely during onboarding, then automate charging against the customer’s agreed credit terms.
- Payment authority captured before the first order
- Automated charging on 7, 14 or 30-day terms
- PCI DSS and BECS-aligned payment handling
Every invoice gets the right next action.
Replace repetitive collections work with personalised workflows that adapt to due dates, account status and customer behaviour.
- Upcoming and overdue reminder sequences
- Consistent escalation without awkward chasing
- Flexible plans that preserve the trading relationship
- Funds settled within 24 hours for eligible card payments
Close the loop, not another spreadsheet.
Consolidate daily card and bank payments into a clear settlement, with invoice-level detail and merchant fees already accounted for.
- Daily consolidated settlements
- Invoice-by-invoice payment detail
- Fees absorbed, split or passed on correctly
- Hours of reconciliation reduced to one action
Wholesalers who stopped chasing.
Stop chasing. Start collecting.
Bring cash in sooner.
See how PencilPay can fit your existing accounts receivable workflow and help your team bring cash in sooner.