New Built for Australian construction, electrical, plumbing & trade supply

Know which customers to watch before cash flow takes the hit.

PaySure reads your invoice and payment data to flag customer risk early — so you act before a slow payer becomes a bad debt. Simple enough for a sole trader. Built for portfolios up to 200 accounts.

Join the waitlist — it's free How it works

Connects with Xero

CSV upload supported

Read-only — never touches your bank accounts

Cancel anytime, no lock-in

Good morning, Jess!

What needs attention

Citywide Fitout

3 invoices >90 days overdue. $48,200 exposure.

Review now

Brighton Builders Pty Ltd

Risk score up 40% in 7 days.

View details

Silverline Plumbing

New payment delay pattern detected.

Take action

Risk summary

All

Safe

Watch

Danger

Customer	Risk	Overdue %	Last invoice	Exposure
Brighton Builders Pty Ltd	Danger	41%	5 Jun	$68,500	View details
Citywide Fitout	Danger	41%	5 Jun	$48,200	Review now
Silverline Plumbing	Watch	25%	5 Jun	$32,750	View details
Coastal Constructions	Safe	8%	7 Jun	$12,400	Monitor

The problem PaySure solves

$115B+

Unpaid invoices owed to Australian SMEs

Average days invoices are paid late

39%

Rise in external administrations YoY

25%

Of an invoice still lost with credit insurance

The problem

You find out a customer is risky after they stop paying. By then, it's already too late.

Existing tools are too expensive, too complex, or built for large credit teams — not for the trade business owner doing everything themselves.

25%

Insurance doesn't cover everything

Even with trade credit insurance, SMEs can still lose up to 25% of every unpaid invoice — leaving you exposed when a customer collapses or walks away.

$100s

Monitoring tools cost too much

Portfolio monitoring subscriptions plus per-report fees add up fast. For a small trade firm, you're paying hundreds a month for a tool designed for corporate credit departments.

1 in 5

SMEs are financing their customers

When a customer delays payment, you're giving them an interest-free loan — straining your own working capital while you chase invoices that should already be paid.

How it works

Three steps from invoices to early warning signals.

Works with data you already have — no new spreadsheets, no manual entry required.

Connect your data

Link your Xero account with one click — or upload a simple CSV of your customers and invoices. Under two minutes. We only read invoice data and never access your bank account.

Connects with Xero

Get risk signals automatically

PaySure analyses payment patterns and flags customers showing early warning signs — with a plain-English summary for every customer so you always know what's changed and what to do next.

Act before cash flow is hit

Receive early alerts and suggested follow-up actions per customer. Chase earlier, adjust terms, or pause supply — before a slow payer becomes a bad debt that forces you into overdraft.

Platform features

Everything you need to stay ahead of payment risk.

PaySure turns raw invoice data into clear signals and actionable next steps — no finance degree or credit team required.

Risk dashboard

Every customer ranked — Safe, Watch, or Danger — updated automatically. Sorted by urgency so you know exactly where to focus every Monday morning.

AI risk summaries

Each customer gets a plain-English explanation of why their risk changed — overdue spike, invoice volume drop, new delay pattern — so you know what to do, instantly.

Xero & CSV sync

Auto-pulls invoice data from Xero. Prefer manual control? Upload a CSV. Risk signals update as new data arrives — zero admin required.

Early alerts

Get notified the moment a customer's payment behaviour shifts — overdue spikes, invoice volume drops, delay patterns — before they compound into a serious problem.

Follow-up workflows

One-click follow-up emails in Friendly, Firm, or Final tone. Schedule reminders, track full contact history per customer — no chasing falls through the cracks.

Weekly risk reports

Download or share a professional PDF summary weekly — risk evolution timelines, key changes, actions taken. Share directly with your accountant or bookkeeper in one click.

What trade owners say

Built on real conversations with over 40 SME owners.

Construction, electrical, plumbing, and supply businesses across Australia told us what they needed. PaySure is the answer.

"I had a builder go into administration owing me $85K. A tool like this would have flagged it months earlier. I would have stopped supply at $20K instead of $85K. That's the difference between a bad month and a business-ending event."

Mark C.

Electrical supplies, Sydney NSW

"We're already on Xero. The idea that PaySure just reads what's already there and tells me who to watch — no extra admin, no new spreadsheets. Just a clear answer every Monday morning."

Tanya R.

Plumbing contractor, Melbourne VIC

"The follow-up email drafts alone save me two hours a week. Knowing who to call first changes how I start every Monday. I've already stopped supply to two accounts that would've gone bad within 90 days."

James W.

Timber & building supplies, Brisbane QLD

How we compare

Built for trade SMEs — not enterprise credit teams.

Existing commercial credit tools are built for large businesses with dedicated credit managers — not for the trade business owner doing everything themselves.

Feature	✦ PaySure Built for trade SMEs	Credit Bureau A	Credit Bureau B	Credit Bureau C
Invoice-based risk monitoring		✓	✗	✗
Risk dashboard for SMEs		✗	✗	✗
AI plain-English summaries		✗	✗	✗
Xero / CSV integration		✓	✗	✗
Early alerts on customer risk		✓	✓	✓
Follow-up workflow built in		✓	✓	✗
Terms & credit limit recommendations		✗	✗	✗
Starting price	$49/mo	~$99/mo+	~$99/mo+	~$99/mo+

Comparison based on publicly available product information. Features and pricing of third-party tools may vary.

Pricing

Simple, transparent pricing. No lock-in.

Start monitoring your customer risk from day one. Pay monthly or annually, cancel anytime.

Starter — Tier 1

$49/month

Or $490/year — save 2 months

For micro trade businesses monitoring up to 20 customers. Everything you need to get started and see results immediately.

Up to 20 monitored customers
Risk dashboard with Safe / Watch / Danger
Xero integration & CSV upload
AI risk summaries per customer
Follow-up email templates
Weekly PDF risk reports

Join waitlist

Questions trade owners ask us.

Do you access my bank account?

No. PaySure is read-only and only connects to your invoicing and payment data — never your bank account. We use the same invoice data your accountant already sees in Xero.

What if I don't use Xero?

No problem. Upload a simple CSV of your customers and invoices. We provide a sample template so you know exactly what columns we need to get started right away.

How quickly can I get set up?

Most businesses are up and running in under 10 minutes. Connect Xero or upload your CSV and PaySure immediately begins analysing your customer data for risk signals.

Is this different from a credit reporting service?

Yes. Traditional credit reports tell you about external credit history. PaySure analyses your own invoice and payment data — which is often a much earlier and more accurate signal of risk with your specific customers.

Can I cancel anytime?

Yes. No lock-in contracts, no cancellation fees. Cancel from your account settings and your subscription ends at the close of the current billing period. No questions asked.

What industries does PaySure work for?

Any B2B business that invoices customers on credit terms — construction, electrical, plumbing, concreting, trade supply, wholesaling, and other services where late payment is a real risk.

Early access

Be first when PaySure launches.

Join the waitlist today and get early access, founder pricing locked in permanently, and a free 30-day pilot on your top 20 customers — no credit card required.

No spam. Just early access details when we're ready for you.

Free 30-day pilot on your top 20 accounts

Founder pricing locked in permanently

Cancel anytime, no lock-in contracts