In2 Collect - 2026 Pricing, Features, Reviews & Alternatives

In2 collect is an AI powered credit control and accounts payable automation platform for UK businesses operating on Xero, Sage or NetSuite accounting systems. The software automates the entire accounts receivable and accounts payable lifecycle, including invoice chasing, communication handling, payment collection, credit risk assessment and supplier bill management. The solution addresses the needs of small and medium sized enterprises in sectors such as construction, wholesale, logistics, manufacturing, agencies and recruitment that invoice customers on payment terms and require comprehensive cash flow management.

The accounts receivable module features an AI powered reply and dispute inbox that reads, classifies and drafts responses to debtor communications. It verifies payment confirmations against live ledger data and reconciles remittance advices line by line to identify settled and outstanding invoices. The system generates tone matched chase sequences delivered from the user domain via email and SMS, each message carrying a one click payment link that supports both card and pay by bank options. Real time credit scoring for every customer leverages actual payment behaviour and live Companies House information to suggest credit limits and alert on risk changes. The platform provides a CFO grade cash forecast with live Days Sales Outstanding metrics, aged debt breakdown and a thirteen week prediction of incoming cash based on historical payment patterns.

The accounts payable module delivers a combined cash flow view that juxtaposes predicted collections against scheduled supplier bills and displays the net cash position for the current period and a four week outlook. Each bill flows through a configurable approval workflow with pending, approved, on hold and scheduled statuses, and AI drafted approval requests accelerate finance team actions. Supplier risk is monitored through live Companies House data and supplier invoice reviews automatically flag price increases, generating standardized queries for negotiation before funds are disbursed. A dedicated payables inbox applies the same AI classification technology to supplier communications, ensuring all responses are triaged and documented.

In2 collect integrates via secure API connections with Xero, Sage and NetSuite, supporting Token Based Authentication and SuiteQL for mid market and enterprise deployments, with QuickBooks integration planned for future release. Payables functionality operates in read only mode to maintain user control over disbursements, and multi entity and multi user configurations are supported at higher service tiers. The platform is hosted in EU data centres, uses encrypted connections to accounting systems and adheres to GDPR compliant data handling. All automated communications require user approval before initial deployment, and configurable controls such as per send approval, daily message caps and suppression lists ensure compliance and oversight.