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Credit control for UK businesses, from Xero or a CSV

Find what is holding up payment. Review the next step.

Connect Xero read-only or import your aged-debtors list. Keep missing purchase orders, disputes and payment promises with each customer. Review the next request or reminder before sending from your mailbox. £19 a month after a 30-day trial, no card to start.

Start free 30-day trial See it with sample debtors →

Accountant or bookkeeper with several clients? See the practice workflow →
Only need letters from one CSV? £4 chase pack →

Read-only Xero, QuickBooks and FreeAgent Sends from your Microsoft 365 or Outlook mailbox, Gmail in beta Payment checks before reminders; Microsoft reply and bounce checks Statutory interest on every case

Northbank Studio LtdFictional data
0-30 days£4,200
31-60 days£2,860
61-90 days£1,820
90+ days£0
2 reminders due 1 promise lapsed 0 send failures
Northwind Ltd2 invoices · oldest due 10 Jun
£4,200Active
Preview
Ellison Bookkeeping1 invoice · promised 23 Jul
£1,820Promise lapsed
Preview
Maple & Stone Architects1 invoice · no customer email
£1,040Paused
Add email
Reminder preview
From
accounts@northbank.example
To
accounts@northwind.example
Scheduled
Tue 8 Sep, 09:00

Payment reminder: 2 overdue invoices. Our records show these invoices remain unpaid, with £4,200 outstanding. View and pay: xero.com/…

Nothing sends when you connect. Activate reminders only when you are ready. Recorded payment stops queued reminders when checked. Microsoft also checks matched replies and bounces; Gmail is send-only.

Between a draft and your customer

Eight checks stand between a reminder and a customer.

These are the checks the product runs, named as it names them. Five have to pass before a reminder can be queued at all. Two run again in the minutes before delivery, so a payment or reply that arrives overnight stops the send.

Must pass before a reminder is queued

  1. Customer email

    A valid recipient is on file. Without one the reminder is held, and no address is ever guessed.

  2. Sending mailbox

    A connected mailbox is ready. Reminders leave from your own Microsoft 365 or Outlook account, not from ours.

  3. Overdue balance

    The reminder contains a current overdue balance. Once the invoice clears there is nothing left to chase.

  4. Customer state

    The customer is open for chasing. Paused, promised and disputed customers are held with the reason recorded.

  5. Reminder timing

    A reviewed reminder step is available. If you have not saved a schedule, nothing is queued.

Your judgement, then a second look

  1. Payment readiness

    You mark whether the case is ready to chase. An open query, a missing purchase order or an awaited approval blocks the send until you resolve it.

  2. Payment status

    Checked again against connected accounting data before delivery.

  3. Replies and bounces

    Microsoft checks matched replies and bounces before sending. Gmail is send-only and cannot perform these checks.

And every step is a separate decision

Chasing is a sequence, not one email. A new workspace starts with three steps, which you can change. None of them sends on its own: each one comes back to you for review with its own wording. Recorded payment stops chasing after accounting data is checked. Microsoft also pauses on matched replies and bounces; Gmail replies need manual review.

  1. On the due datePolite
  2. 7 days overduePolite
  3. 14 days overdueFirm

How a reminder gets sent

You connect your invoices, set the schedule, then approve each reminder.

Connect Xero, QuickBooks or FreeAgent read-only, or import an aged-debtors CSV. Set the days after due and the tone for each step. Open any customer to see the exact email and date. Activate when you are ready. Recorded payment cancels queued reminders when the data is checked. Microsoft also checks matched replies and bounces. Gmail is send-only.

Open the interactive workspace → Fictional data. No accounts are connected and nothing can be sent.

Every week

See what needs you.

Ageing bands, reminders due, promises that have lapsed, replies, bounces and send failures on one screen.

Every customer

Keep the story in one place.

Promise dates, notes, statutory interest and every reminder, reply and payment on a timeline per customer.

Every send

Nothing leaves without review.

Reminders go from your own mailbox only after you activate. Xero payment links are included when available.

Take the weekly review into Excel, PDF and Outlook.

Export the plan, return decisions by Case ID, or answer an invoice-copy request without leaving Outlook.

SHVL Weekly credit control · Fictional completed review

Northbank Studio Ltd

Collection review generated 24 Jul 2026

Print or save PDF
Overdue position
Overdue balance
£12,940
Overdue customers
4
Contactable balance
£11,900
Promises due
1
This week's collection actions

Ranked by failed sends, missing emails, missed promises, due actions and overdue balance.

PriorityCustomerNext actionOverdueStatus and datesExample decision
1Northwind LtdReview reminderA reminder is due today£4,200
2 invoices		ActiveOldest due 10 Jun 2026Keep activeSend invoice copies first
2Maple & Stone ArchitectsAdd emailNo customer email is available£1,040
1 invoice		ActiveNo promise recordedPause chasingConfirm accounts contact
3Ellison BookkeepingCheck promiseThe promised payment date has passed£1,820
1 invoice		PromisedPromise 23 Jul 2026Promised 31 JulPayment expected
This preview shows fictional completed decisions. SHVL report exports begin with blank review space and send nothing.

Fictional data is used throughout. The one-off £4 chase pack remains a separate files-only route for manual sending.

For finance teams on Xero

Pull live Xero reports and prepare reviewed drafts from the terminal.

The SHVL CLI requests live Profit and Loss, Balance Sheet and Trial Balance reports and prepares DRAFT invoices, quotes, supplier bills and purchase orders in Xero. Every draft needs a typed confirmation.

Drafts are never authorised or posted automatically. SHVL does not authorise payments.

Read the CLI reference → npm install --global @shvlapp/cli Included with Solo and Team

For accountants and bookkeepers with several clients

Each client gets its own workspace, and one queue covers them all.

Practice access keeps an owned workspace and its own Xero organisation per client. Work from one ranked queue, request missing records through a time-limited client link, and prepare reviewed Xero drafts when the source is ready. See the practice workflow →

Start 30-day trial → See it with sample data →

For year-end client records

Collect what the accountant needs, then review it in one record.

Create a checklist for that client's year-end information. Clients can answer each item and return checked supporting files. Import a bank CSV, or extract readable PDF statement rows in the browser, for a reviewable bank workpaper. SHVL does not reconcile, categorise, file or prepare accounts.

Start 30-day trial → See the fictional handover →

Pricing

£4 once. £19 or £29 a month. Practice on request.

The £4 chase pack turns one CSV into a full reviewable ZIP of editable Word letters, email drafts and an Excel interest log, with nothing sent. Solo (£19) and Team (£29) run the recurring workspace after a 30-day trial with no card. Practice access for several client organisations is confirmed by email before it is enabled. VAT is shown at checkout.

See full pricing →

FAQ

Can SHVL send anything without me?

No. Connecting an account never starts sending. Reminders go only after you connect a mailbox, review the wording and activate the schedule. Payment, reply and bounce checks run again before each delivery, and you can pause everything with one button.

What does SHVL read from my mailbox?

With Microsoft 365, Outlook.com or Hotmail, SHVL checks new inbox messages for replies and bounces to the reminders it sent, pauses chasing when it finds one, and discards everything else without storing it. Gmail sending is in beta and is send-only: SHVL reads nothing from a Gmail inbox. Your organisation's Microsoft consent policy may require administrator approval.

What is included in the 30-day trial?

Everything in Solo or Team: the debtor workspace, reminder schedule, previews, timelines, promises, CSV imports and the CLI. No card is required for 30 days and nothing is charged until you add one.

Do I need Xero?

No. You can connect Xero, QuickBooks or FreeAgent read-only, or import an aged-debtors CSV.

What can SHVL prepare in Xero?

The SHVL CLI can request live Profit and Loss, Balance Sheet and Trial Balance reports, and prepare draft invoices, quotes, supplier bills and purchase orders for review. It does not authorise payments or post drafts automatically.

Can clients send year-end information through SHVL?

Yes. Build the checklist from the Client record and share a time-limited client link. Responses and checked files return for accountant review. SHVL does not prepare accounts, reconcile transactions or submit a return.

Start with the invoices that are overdue today.

Import your aged-debtors list or connect Xero read-only. You will see every reminder before anything is sent. 30 days free, no card.

Start 30-day trial →

How data moves through SHVL ->

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