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Debt collection software NZ
Debt collection software that gets New Zealand businesses paid — without the commission
Debtorinfo syncs your overdue invoices from Xero, sends a six-step escalating sequence of reminders and demand letters for you, and backs every request with real credit-rating consequences. Debtors pay you directly. You keep 100% of what you recover.
- 0%commission or loading fees on recovered debt
- Since 1996helping New Zealand businesses get paid
- Millionsrecovered for subscribers
The problem
Chasing unpaid invoices by hand costs more than the debt
Spreadsheets, sticky notes and awkward phone calls eat hours every month, and overdue invoices still slip through the cracks. By the time a debt reaches a collection agency, it is old, harder to recover, and the agency takes a slice of whatever comes back.
Debtorinfo replaces manual chasing with automated debt collection software built specifically for New Zealand. It starts the conversation early while the relationship is still comfortable, gets firmer only when it has to, and gives debtors a powerful reason to pay you first: protecting their credit rating.
- No more manual chasing, spreadsheets or month-end catch-up
- Consistent, professional reminders that never go quiet
- Recover old and new debts for one flat monthly fee
- Debtors pay you directly — never via a third party
How it works
From ledger to recovered cash in four steps
Your ledger syncs from the accounting system you already use, every debtor is chased on a compliant schedule, and customers can settle or set up a payment plan themselves.
- 01
Sync your ledger
Connect Xero for one-click syncing, or upload debtor files directly. New overdue accounts appear in your dashboard within minutes — no re-keying.
- 02
Automate reminders
Personalised payment reminders and demand letters go out by email or post on a schedule you approve, escalating automatically when there is no response.
- 03
Debtors pay online
A branded, secure portal lets debtors view their statement, pay by card, POLi or bank transfer, or set up an approved payment plan — 24/7.
- 04
Get paid in full
Funds go straight to your account, ledgers reconcile automatically and reports update in real time. No commission is ever deducted.
The escalation ladder
Six automated reminders that get firmer only when they have to
The first two letters come from your business. The next four come from Debtorinfo, with consequences tied to the debtor's credit rating. Every step is sent when you say so.
Friendly reminder from you
Thanks the customer for their support and lets them know the account remains unpaid — sent in your business name.
Second reminder from you
A firmer follow-up a couple of weeks later, still from you, with an easy link to pay or arrange a plan.
Friendly reminder from Debtorinfo
Lets the debtor know your overdue accounts are now managed by a third party — third-party intervention succeeds where in-house chasing has failed.
Credit rating warning
Reminds the debtor they hold an A1 credit rating that they are about to lose if your account remains unpaid.
Credit rating downgraded
Confirms the A1 rating has been lost — and that it can be restored by paying your account.
Credit Stop
The debtor is placed on a Credit Stop in our database and in databases used by New Zealand banks and finance companies until your account is paid.
Features
Everything you need to collect debt in one platform
Ready-to-go features, right out of the box — for sole traders through to large enterprises.
Xero & practice system sync
One-click Xero sync with unlimited entries and duplicate detection, plus connections to SAM, Orion, Synergy and more.
Automated payment reminders
Personalised email reminders and printable letters, templated per debt type and written with the Fair Trading Act in mind.
Credit-rating leverage
The one thing in-house chasing can't offer: a real consequence for non-payment that debtors take seriously.
Debtor self-service portal
Branded portal where debtors pay by card, POLi or bank transfer, or set up a flexible payment plan without calling you.
Credit rating checks
Check customers before you extend credit and list your own unpaid accounts. Unlimited on Platinum, per-query on Gold.
Legal escalation support
Disputes Tribunal claim preparation, statutory demand workflows and Notice of Proceedings documents when letters aren't enough.
Terms of trade & documents
Personalised terms of trade, credit applications and deferred payment agreements that give you the right to recover collection costs.
Phone negotiation
For a small extra charge, our team can call the debtor to negotiate a settlement on your behalf.
Real-time reporting
Automatic reconciliation, a full audit trail for every account and management reports that update as payments land.
Proof it works
New Zealand businesses that get paid faster with Debtorinfo
Vets, medical centres, tradespeople, importers, contractors and builders up and down the country use Debtorinfo to recover what they are owed.
Debtorinfo is successful in prompting payments, we like it.
We love the Debtorinfo system — it works really well for us.
We have used it since it started. It’s brilliant.
When we need to collect a debt, we use Debtorinfo and it works brilliantly.
Who it's for
Debt collection software for every industry that extends credit
If you invoice after the work is done, Debtorinfo is built for you.
Medical, dental & vet clinics
Recover unpaid patient and client accounts with reminders that protect the relationship.
Builders, trades & contractors
Chase progress payments and final invoices, with Construction Contracts Act and PPSR support.
Accountants, lawyers & advisers
Professional fee recovery without damaging long-term client relationships.
Wholesalers & importers
High-volume B2B trade credit with credit checks before you ship.
Questions
Debt collection software FAQs
Straight answers on cost, commission, control and how Debtorinfo compares with a collection agency.
What is debt collection software?
Debt collection software automates the work of chasing overdue invoices: it pulls unpaid accounts from your ledger, sends a scheduled sequence of reminders and demand letters, records every contact, and escalates accounts that are still unpaid. Debtorinfo adds credit-reporting leverage on top, so debtors know an unpaid account will affect their credit rating.
How much does debt collection software cost in New Zealand?
Debtorinfo starts at $29.95 + GST per month on the Gold plan and $49.95 + GST per month on Platinum, with unlimited collections, no loading fees and no commission. A traditional agency usually charges a percentage of every dollar it recovers, so on larger debts a flat subscription is often far cheaper.
Does Debtorinfo take a commission on recovered debt?
No. Debtorinfo never takes a commission and never adds loading fees. Debtors pay you directly, and every dollar recovered stays with your business.
Is Debtorinfo a debt collection agency?
Debtorinfo is a credit reporting and debt recovery platform. You stay in control of each account and choose when a reminder goes out. The first two reminders come from your business; later steps come from Debtorinfo and carry credit-rating consequences. If a debtor still does not pay, optional extras include listing on bad debtor databases, phone negotiation, and help preparing Disputes Tribunal or court documents.
Does it work with Xero?
Yes. Connect Xero for one-click syncing of your debtor ledger, or upload debtor files directly. Debtorinfo also connects to practice management systems such as SAM, Orion and Synergy, and can usually connect to other systems on request.
Do I control which customers receive reminders?
Yes, you are in full control. Some customers need prompts and others, for various reasons, should never receive one. You decide which accounts enter the sequence and when each step is sent.
Is it hard to use if I am not technical?
No. Subscribers with limited computer experience find Debtorinfo easy to use, and our New Zealand team is a phone call away on 0800 734 335 if you need a hand.
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Ready to stop chasing invoices?
No loading fees. No commission on what you recover. Just debt collection software that gives your debtors a reason to pay you first — from $29.95 + GST a month.