See payment risk before it becomes bad debt.
Payment risk intelligence built for Australian construction businesses extending credit to their customers.
Your accounting software tells you what you're owed. PaySure answers a different question: what needs your attention today?
- Built for Australian construction
- Read-only invoice and customer data
- Never connects to your bank accounts
- Your data is never sold or syndicated
Total exposure
$2.04M
Needs attention
$421k
Danger
3
customers
Watch
7
customers
Safe
31
customers
What needs your attention today?
Ranked by exposure and risk change41 customers. 3 worth acting on today.
Brighton Builders Pty Ltd
Average payment time up 22 days, exposure up 34%
$187,500DangerCitywide Fitout
3 invoices now past 60 days
$104,200DangerSilverline Plumbing
Exposure up 31% over 60 days
$129,700Danger
Illustrative example. Company names and figures are sample data, not real customers.
The real position
You're already financing your customers.
Every time you supply labour, materials or services before you're paid, you're extending credit to your customer. You've covered the cost up front and you're carrying the risk until the money lands.
Most construction businesses have hundreds of thousands of dollars lent out at any one time, spread across customers whose payment behaviour nobody is watching.
$2.04M
Debtor book on credit terms
41
Customers carrying that exposure
3
Customers driving most of the risk
$421k
Exposure that needs attention today
Illustrative example portfolio — sample figures, not benchmark data.
The gap
Your ledger shows a balance. It doesn't show a warning.
Construction businesses extend credit every day, then find out something was wrong when the money doesn't arrive. The warning signs often already exist in your payment data. PaySure brings them together and makes them actionable.
Your accounting software
$187,500
Outstanding — Brighton Builders Pty Ltd
Accurate, and completely backward looking. The number is the same whether this customer is improving or falling apart.
PaySure
- Average payment time up 22 days
- Exposure up 34% in 60 days
- 3 invoices now past 60 days
Recommended next action
Review this account before extending further credit or approving the next progress claim.
How bad debt actually happens
It's never sudden. It's three months of small signals.
A customer doesn't fail overnight. They pay a little later, then later again, while the amount you're carrying keeps climbing.
January
31 days average payment time
$62kFebruary
43 days average payment time
$104kMarch
56 days average payment time
$187k
Risk detected
Payment behaviour deteriorated for three months while exposure tripled. Significant exposure accumulated well before the change looked obvious.
What most businesses do
- Check the aged receivables report when something feels wrong.
- Chase the loudest invoice instead of the riskiest customer.
- Keep supplying because the relationship has always been fine.
- Discover the problem after significant exposure has already accumulated.
PaySure moves that moment forward — so you can act while you still have options.
How it works
Three steps, no new process to run
PaySure works from data you already produce. Nobody has to change how they invoice.
Connect your invoice data
Link Xero read-only or upload a CSV. No bank connection, nothing changed in your accounting system.
PaySure reads payment behaviour
Payment speed, consistency, ageing and exposure, tracked per customer over time.
You see risk before it costs you
When behaviour deteriorates, you get it in plain language with a recommended next action.
Inside PaySure
Risk you can read in ten seconds
Every screen answers one question: what has changed, and what should I do about it?
Customer risk scoring
Every customer sorted into Safe, Watch or Danger from their real payment history with you.
Deterioration detection
The signal isn't a slow payer. It's a customer who is getting slower while owing you more.
Recommended next action
Suggestions to tighten or extend payment terms for a specific customer, with the reasoning shown.
Prioritised follow-up
A short list of accounts worth chasing today, ordered by exposure and risk — not by invoice date.
Weekly risk summary
A Monday brief covering what changed, what's exposed and what to do next — a management overview, not another report.
Exposure visibility
Know your concentration risk — how much of your receivables sits with a handful of customers.
Take action
ABC Civil
- Current exposure
- $187,500
- Overdue
- $94,200
- Average payment time
- 61 days
- Previous average
- 39 days
- Exposure change
- +34% over 60 days
Why PaySure flagged it
Payment behaviour has deteriorated while total exposure has continued increasing.
Recommended next action
Review the account before approving additional credit or increasing exposure.
Illustrative example. Company name and figures are sample data, not real customers.
Your week in one page
Monday, 7:00amChanged risk state
3
Exposure needing attention
$421k
Portfolio exposure
$2.04M
+2.1% on last week
Customers that changed risk state
Brighton Builders Pty Ltd
Average payment time up 22 days, exposure up 34%
WatchDangerCitywide Fitout
Two invoices moved past 45 days
SafeWatchHarbour Electrical
Cleared $38k, back to paying within terms
WatchSafe
Recommended next actions
- Review credit terms for Brighton Builders before the next progress claim
- Call Citywide Fitout about the two ageing invoices
- No action needed on the remaining 38 customers
Illustrative example. Company names and figures are sample data, not real customers.
Monday brief
A weekly risk summary you can read over a coffee
Once a week, PaySure sends a short management overview: which customers changed risk state, how much exposure needs attention, how the portfolio moved and what's worth doing about it.
- Customers that moved between Safe, Watch and Danger
- Exposure that needs attention, with the amounts involved
- How your total debtor book and concentration changed
- Recommended next actions — and the accounts you can ignore
Not another report to file. A five-minute view of where your money is at risk this week.
Where PaySure fits
Where PaySure fits in your financial stack
PaySure isn't a replacement for accounting, collections, credit bureaus, insurance or invoice finance. It sits between your accounting data and your next credit decision — the decision layer that tells you which account needs attention first.
Accounting software
Records invoices and reports what you're owed.
With PaySure: The source of the payment data PaySure reads.
Collection and chasing tools
Automate reminders and follow-up on overdue invoices.
With PaySure: Work better when you know which accounts to prioritise.
Credit bureaus
Report formal defaults and public credit history.
With PaySure: External history; PaySure adds how a customer pays you.
Trade credit insurance and invoice finance
Transfer or fund receivables risk for a fee.
With PaySure: Cover the risk you take on; PaySure informs how much you take on.
PaySure
Reads your own payment behaviour and flags deterioration early.
The decision layer between your ledger and your next credit decision.
Clear boundaries
Decision support. Not prediction.
PaySure surfaces risk indicators and a recommended next action from your own data. It doesn't guarantee payment or claim to predict insolvency — every decision stays yours.
- Not debt collection
- Not invoice factoring
- Not credit reporting
- Not a prediction of insolvency
Why we're building it
Built around how construction actually gets paid
PaySure started from a pattern we kept hearing about in Australian construction: profitable businesses hurt by two or three customers who slowed down and then stopped — while the early signs sat unread in the ledger.
So we're building it around real construction payment workflows — progress claims, retentions, head contractor payment cycles — with a small group of businesses testing the signals against their own debtor books, rather than a generic credit model.
The direction has been shaped through conversations with more than 40 Australian SME and construction business owners and finance teams about how they extend credit, chase payment and decide when a customer has become a risk.
That's what Early Access is: a limited first cohort helping shape what gets flagged and why.
Questions
What construction businesses ask us first
Does PaySure work with Xero?
Xero is the first integration we're building. PaySure will request read-only access to invoice, customer and payment records. If you're not on Xero, you can upload a CSV export of your invoice history instead.
What data does PaySure actually access?
Invoice-level data: customer, invoice date, due date, amount, payment date and amount paid. That's what payment behaviour is calculated from. PaySure does not need payroll, job costing or bank transaction data.
Does PaySure move money or touch our bank accounts?
No. There is no bank connection, no payment initiation and no ability to change anything in your accounting system. Access is read-only.
How is our data secured?
Data is encrypted in transit and at rest, hosted in reputable cloud infrastructure, and access is limited to the people who need it to run the service. We're documenting our full security posture before launch and will publish it on the security page.
Will our customers know we're using PaySure?
No. PaySure is an internal tool. It doesn't contact your customers, and it doesn't publish, sell or syndicate anything about them to other businesses — it is not a credit bureau.
Does PaySure predict insolvency?
No, and it never will claim to. PaySure shows how payment behaviour and exposure are changing inside your own debtor book, with the reasoning shown. Whether a customer ultimately pays is not something any tool can guarantee.
What happens when PaySure flags a customer?
PaySure shows what changed, why the account was flagged, the exposure involved and a recommended next action. Your business retains control of every decision — PaySure doesn't contact the customer or change anything in your accounting system.
Which accounting systems will be supported?
Xero first, then MYOB and QuickBooks based on demand from Early Access participants. CSV upload works with any system that can export invoice history.
When does PaySure launch?
PaySure is in active development. Early Access is opening to a limited group of Australian construction businesses first; general availability follows once the risk signals have been validated against real ledgers.
What will it cost?
Pricing isn't set yet. It will be a straightforward subscription, and Early Access participants will be told pricing before anything is charged — no automatic conversion to a paid plan.
Early Access
Protect your cash flow from the customers most likely to cost you.
Know which accounts need attention, how much is exposed and what to do next — before a slow payer turns into bad debt. Early Access is opening to a limited group of Australian construction businesses; the qualification questions take about a minute.