Invoice recovery that protects the relationship — and your cashflow
Gary recovers overdue invoices for New Zealand small businesses. A friendly voice agent rings your customer, checks on the bill, and gets a payment date — so the money you've earned lands in your account sooner. No collections agency, no cut of the debt, no burnt bridges. Setup takes about five minutes.
Recovery is a cashflow problem, not a legal one
The gap between sending an invoice and being paid is the biggest drain on a small business's cashflow. You've done the work and paid for the materials, but the money sits in someone else's account. Recovery isn't about winning a dispute — most overdue invoices aren't disputed at all. It's about closing that gap: a nudge, at the right time, to the right person. See how getting invoices paid faster improves cashflow.
How Gary recovers an invoice
1. Connect Xero
Gary links to your Xero account and finds the invoices that are past due.
2. You approve who gets a call
Nothing goes out until you switch a customer on. Gary calls within business hours and never rings a customer who's opted out.
3. Gary makes the call
A friendly voice agent rings the customer, opens by saying the call is recorded, and checks on the bill — a reminder, not a demand.
4. The invoice gets paid
Gary can email the bill and a pay link, or take card payment on the call. You see the payment date, and the money lands sooner.
Recovery, not collection
People reach for a debt collector too late — after the relationship is already damaged. Recovery happens earlier, while the customer is still yours and a friendly call is all it takes. Handing a good customer to an agency costs you the customer and a cut of the money; a recovery call costs you neither.
| Invoice recovery (Gary) | Debt collection agency | |
|---|---|---|
| When it happens | Early — days or weeks past due | Late — after recovery has failed |
| Cost | Flat fee, only when it works | A cut of the debt, often 5–20% |
| The relationship | Kept — it's a polite check-in | Usually ended |
| Effect on cashflow | Paid sooner, gap closed | Paid eventually, minus the cut |
For the full comparison, see invoice recovery vs debt collection. When recovery genuinely fails, your escalation options are in what to do when a customer won't pay.
Common questions
Is invoice recovery the same as debt collection?
No. Recovery happens first, while the customer is still yours. Debt collection is the last resort — an agency takes over and keeps a cut. Gary recovers the invoice with a polite call, so it rarely needs to reach a collector. See the full comparison.
How much does it cost?
Gary runs on prepaid credits and you start with free ones. An answered call costs one credit; you pay a flat fee only when an invoice is paid after Gary's call. See the pricing page.
Does it work with Xero?
Yes. Gary connects to Xero, finds the invoices past due, and calls the customers you switch on.