Instalments lines up every instalment, sends reminders before the due date, and keeps your receivables in order — so payments arrive on time and you stop chasing.
More than 10 years managing receivables — now run by the latest technology.
Every cycle, it's the same grind. Instalments tracked by hand, due dates scattered across tabs, reminders no one remembered to send. A client slips past the due date, falls into default, and now someone has to call, re-issue and chase what was already agreed. The money is yours — it's just stuck.
A late payment shouldn't turn into a month of phone calls.
Sources: Australian Small Business & Family Enterprise Ombudsman (ASBFEO) · GoCardless "Pursuing Payments" 2025, YouGov survey
This is what your team sees — every plan, every due date, every status, in one live view.
| Client | Next invoice | Status |
|---|---|---|
| Greenfield College Term 2 tuition | 12 Jul | On track |
| Harbour Realty Management fee | Today | Due today |
| Northbridge Ins. Premium schedule | Overdue | Reminder sent |
| Vitality Studio Membership | 05 Jul | Paid |
| Southbank Recruit Placement fee | 18 Jul | On track |
The AI executes, a human reviews, and your team decides. You always keep the final word.
Extracts every instalment, amount and date from a contract or agreement — no typing, no spreadsheets.
Lines up every payment so nothing slips past its date.
Sends reminders ahead of the due date — to you, or to your client if you choose — so payments don't fall late.
Creates and updates invoices in Xero or your accounting software, and marks them paid — all from Instalments, without opening your accounting tool.
When you decide, AI agents follow up by message or call, in your tone.
Sits alongside the software you already use. No migration, no rip-and-replace.
Every invoice and reminder carries your name and tone, not ours.
Processes shaped to how your sector actually works.
Off-the-shelf accounting software handles transactions. Off-the-shelf payment processors handle cards. Neither was built for the messy, recurring, rules-per-client reality most operations actually run on. That gap is where we live.
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The work that used to need two more hires now runs quietly in the background. When you double the number of plans, you don't double the admin — the platform absorbs the load while your headcount stays the same. Growth stops being something your back office has to survive, and becomes something the system just handles. You take on more clients; your team feels less pressure, not more.
Every plan tracked, every due date covered, every reminder sent on time — automatically. Nothing slips through the cracks or quietly drifts into default while everyone assumes someone else was watching it. At any moment you can see exactly where each account stands: what's due, what's paid, what needs attention. The guesswork and the end-of-month scramble disappear, and your receivables become something you actually control instead of chase.
Think about the hours your team pours into reminders, spreadsheets and reconciliation every single cycle — and how little of it actually grows the business. Instalments hands those hours back. The repetitive admin runs itself, so your people stop chasing payments and start doing the work only humans can do: winning clients, improving the service, building what's next. The same team, freed to move the business forward instead of just keeping the lights on.
Automation is powerful, but it shouldn't make decisions about your clients on its own — and here it doesn't. The AI carries the volume: the scheduling, the invoicing, the routine reminders. But anything with a judgement call — an exception, a sensitive account, a plan that needs changing — is handed to a person on your team. You set the rules for what runs on its own and what waits for review. The result is the speed of automation with the judgement of your best person still in the room.
This isn't automation dreamed up in a vacuum. It comes from more than ten years spent managing receivables and untangling the kind of messy, real-world transactions that break generic tools. We know where payment plans go wrong because we've fixed it by hand, at scale, for years. What you get is that hard-won experience — now taken to its best with the latest technology, so the judgement is proven and the execution is instant.
Because invoices are created, updated and marked automatically in your accounting software, your records never drift out of sync with reality. There's no re-keying, no "which spreadsheet is right", no month-end reconciliation marathon. Everyone works from the same clear picture — you, your team, and your clients — so questions are answered in seconds and trust is never in doubt. Clean books aren't a chore you catch up on; they're just how the system leaves things.
Pricing and security included. Tap any question to open it.
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Leave your details and one of our agents will get back to you in under 24 hours. Tell us how you invoice today, how many plans you run, and where things get stuck. There's no commitment — just a straight answer on whether Instalments is a fit. A real person reads every message and replies; never a bot.
