South African SMEs lose R12.4 billion every year to unpaid invoices. Settli is the AI agent that monitors your invoices, chases late payers, and gets your cash flowing — no awkward phone calls required.
In South Africa, the average business waits 70 days to collect on a 30-day invoice. You're not just waiting — you're chasing. Sending awkward emails. Making calls you hate. Burning relationships with clients who just forgot.
The big companies have AR departments. You don't. So the invoices pile up and your cash flow suffers — while the work you delivered was already good enough to be paid on time.
Waiting three to six months to be paid is simply not compatible with running a healthy small business.— Daniel Goldberg, CEO, Bridgement (SA fintech lender)
You upload invoices. Settli handles the rest.
Upload outstanding invoices — or connect your accounting tool. Settli reads them and builds a live picture of who owes you what and when.
As invoices approach due dates, Settli sends smart reminders — friendly at first, professionally persistent as they age. No emails you have to write. No calls you have to make.
Settli tracks every interaction and escalates to human-level conversation when needed. You get a daily briefing: collected, pending, overdue, action taken.
Settli sends timed, personalised reminders that start friendly and escalate professionally. Built for South African payment culture — WhatsApp, email, SMS, whatever your clients respond to.
When gentle reminders don't work, Settli escalates. It analyses payment patterns, identifies genuine disputes versus forgetfulness, and knows when to bring in a human.
Every morning, your dashboard shows what's been collected overnight, what's overdue, what's been contacted, and what needs your attention. No surprises at month end.
Works with EFT, SnapScan, payment links. Understands South African credit terms, late fee regulations (Prescribed Rate of Interest Act), and the local payment culture your clients live in.
Settli learns which clients pay on time, which need a nudge, and which will stall indefinitely. Future reminders are tuned to each client's pattern.
When a client pushes back, Settli flags it immediately, surfaces the likely cause, and advises on next steps — so you're not left guessing why the invoice went cold.
Settli works in the background so you can focus on doing the work that actually grows your business. No more awkward reminders. No more guessing. Just cash — flowing in.