AI-assisted follow-up
AI helps us review terms and prepare follow-up. It also helps us prioritise the accounts that need attention.
Receivables.nzLess
chasing.
More getting
paid.
Receivables management and debt recovery for New Zealand businesses, covering business and consumer debts in New Zealand and overseas.
Late payments put pressure on your business.
When invoices go unpaid, cash flow becomes less predictable and your team spends time sending reminders and chasing responses.
We take on the follow-up and recovery, with a clear approach agreed with you and professional communication with your customers.
Contract-driven
language
We read your terms of trade and identify the payment obligations that apply to each account. Those agreed terms give the recovery conversation a clear starting point.
AI helps extract the relevant clauses. Our team checks them before they are used in communications with debtors.
- Read your terms and conditions
- Identify and check the relevant clauses
- Use the agreed terms in recovery communications
Terms of tradeExample agreement
4.1 Payment terms
Invoices are payable within 14 days of the invoice date.
Clause 4.1 identified and checked↓
Why choose Receivables.nz
Human judgement
when it matters.
AI helps with the routine work so our team can focus on the conversations that need experience and judgement.
Hardship and disputes get attention
Debtors can report hardship or dispute an invoice. Automated collection pauses, and we report the issue back to you for instructions.
Recovery backed by your terms
We point customers to the payment terms they agreed to. Our team checks each clause before we use it in a message.
You choose the debts
Select which debts to send to us and add your notes before follow-up starts.
Automatic Xero sync
Connect Xero to sync invoices and contacts automatically. You choose which invoices to submit as debts.
Know where things stand
Your creditor portal shows balances, payments, contact history and next steps.
How we’re
different.
We recover business and consumer debts for New Zealand businesses. Here’s how our approach compares with Baycorp and InDebted.
| What matters | Baycorp | InDebted — Collect | Receivables.nz |
|---|---|---|---|
| Who it’s for | Businesses of all sizes, corporates and government. | Consumer credit, telco and utilities portfolios. | New Zealand businesses recovering business and consumer debts, in New Zealand and overseas. |
| Technology and integrations | Predictive analytics and decision science. | AI and machine learning personalise customer engagement. | We import invoices automatically from Xero. AI helps review terms and prioritise follow-up. |
| Contract-led communication | AI clause extraction not described.* | AI clause extraction not described.* | Relevant clauses extracted from your agreed terms, checked by our team and used in recovery communications. |
| Human involvement | Specialist teams select recovery strategies. | Customer care agents supported by AI. | Our team checks contract context and handles conversations that need judgement. |
| Creditor visibility | Real-time client portal, document uploads and reports. | Client portal with account performance dashboards. | Custom creditor portal showing balances, account activity and next steps. |
Based on published service information, reviewed 14 October 2026: Baycorp’s debt resolution, analytics and client portal; InDebted’s Collect and machine learning and reporting. *“Not described” means the linked pages do not describe this capability; it does not mean the provider cannot offer it.
Custom reporting portal for creditors
Your recovery progress.
In one place.
Our custom creditor portal gives you a clear view of the accounts we’re working on, what’s outstanding and how recovery is progressing.
- Account status
- See where each invoice sits in the recovery process.
- Balances and payments
- Review outstanding amounts and payments recorded against each account.
- Follow-up activity
- Keep track of account updates and the latest action from our team.
- Next steps
- Understand what is being worked on and where your input is needed.
Account overview
Example data- Outstanding
- $11,900
- Recovered
- $4,850
- Active accounts
- 3
| Account | Balance | Status |
|---|---|---|
| INV-1042Example account A | $2,480.00 | Follow-up |
| INV-1086Example account B | $3,240.00 | Under review |
| INV-1120Example account C | $6,180.00 | Payment arranged |
Latest account activityINV-1042 · Payment date requested
Follow-up references clause 4.1 of the agreed terms.
Xero integration
Your Xero invoices.
Ready for recovery.
Our Xero integration automatically imports your invoices. You don’t need to enter them again or upload a spreadsheet.
Our team reviews the invoices and your terms before agreeing the recovery approach with you.
Meet with a recovery expertXero invoice recoveryConnected invoice recoveryAutomatic imports
Your invoicesReceivables.nzReady for reviewInvoices imported automatically
Powered by leading technology
Frequently asked
questions
Who can use Receivables.nz?
We work with New Zealand businesses to manage receivables and recover business and consumer debts. Debtors can be based in New Zealand or overseas. We work across industries.
Is there a minimum debt balance?
No. There is no minimum debt balance.
Is the initial review free, and how do collection fees work?
The initial review is free. Collection uses flat per-debt or contingency fees, depending on the debts submitted. Contingency fees are payable only when money is recovered. We agree the applicable fees with you before proceeding.
How does the Xero integration work?
Connect your Xero account to sync invoices and contacts automatically. You select which invoices to send to us as debts and provide any notes. Syncing an invoice does not automatically submit it for collection.
How do you contact debtors?
We use email, SMS and phone to follow up the debts you submit.
What happens if someone disputes a debt or reports hardship?
Debtors can report a dispute or tell us they are experiencing hardship. Automated collection pauses, and we report the issue back to you for instructions.
Can debtors arrange a payment plan?
Yes. Debtors can propose payment plans. Arrangements within rules approved by you are handled automatically. Proposals outside those rules are referred back to you for approval.
What can I see in the creditor portal?
Your creditor portal shows balances, payments, contact history and next steps.
Free business tools
Check the protections
in your terms
Upload your supplier terms to see how they cover late payment fees, overdue interest, debt recovery costs and more.
Try the supplier terms checkerRequest a
recovery review
We'll review your invoices and terms, then agree the approach and fees with you.
For account holders
Ask us about an account we've contacted you about.