How it works
From each customer's payment behaviour to an early warning
PaySure runs on information your business already creates. It learns how each customer normally pays you, then tells you when that changes — no new process, and nothing for your customers to see.
- 01
Connect in minutes
Authorise Xero, or upload a CSV of your invoice history. PaySure maps your columns and confirms the match before anything is imported. Read-only access to invoices — no bank connections, no payments, no control over your ledger.
- 02
Learn each customer's normal
PaySure builds a behavioural baseline for every customer you invoice: their usual days-to-pay, how consistent that is, the exposure you typically carry for them and how all of it has trended over time. Normal is defined per customer, not by an industry average.
- 03
Detect deterioration, not lateness
A customer who has always paid at 45 days is not a new risk. The signal is movement away from their own baseline: 30 days becoming 56, part-payments appearing, overdue balance concentrating, exposure climbing at the same time. PaySure watches the direction of travel, not a single late invoice.
- 04
Rank by what needs attention today
Customers are sorted into Safe, Watch and Danger and ordered by how much the account has deteriorated and how much you have riding on it — with the reasoning in plain English: payment-time change against baseline, overdue concentration and exposure movement.
- 05
Act with a clear next step
Each flagged account comes with a recommended next action: review before extending more credit, tighten terms, or follow up now. A weekly Monday brief pulls together what changed across the portfolio. You decide — PaySure makes the decision an informed one.
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.
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.
See which of your customers are moving away from normal.
Early Access Partners connect Xero or upload a CSV and help shape how deterioration is detected and explained.