How it works

We run the whole thing. You're never in it.

From the day you issue an invoice to the day it's resolved, ChaseFlow runs your receivables as a managed function—handled end to end by a neutral third party in the TradePact Network. No reminders for you to send. No calls for you to make. No relationship for you to risk.

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Where ChaseFlow sits

Between "invoice issued" and "lawyer's office"—there was nothing. Now there's us.

Accounting tells you what you're owed. Payment rails move the money once someone decides to pay. The work in between—making sure it actually gets paid, on time, without souring the relationship—has always fallen back on you.

ChaseFlow is that missing layer. You keep the customer. We run the execution.

The four beats

How it runs, start to finish.

Your invoices flow in.

Connect Xero or QuickBooks, forward an invoice email, or drop a PDF. Every credit-term invoice is taken in the moment it's issued—no setup project, no data entry.

The TradePact Network takes over.

A neutral mediator handles every contact with your customer under a fixed, published protocol. From here, it isn't your job.

It runs without you.

Reminders, calls, payment-plan negotiation, interest notices, escalation—all executed on schedule, every time. No invoice is forgotten because someone got busy.

You see the outcome, not the work.

The invoice resolves—or, if it goes the distance, you receive a court-ready audited report. Either way, you never lifted a finger.

The full timeline

Every invoice follows the same disciplined path.

Most invoices resolve early. The structure is what makes the difference—a credible, escalating sequence applied to every invoice, automatically.

Stage

When

What happens

Pre-due reminder
~3 days before due
A courtesy, professional note that payment is approaching. An invoice switched on before its due date costs 0.5 credits to run end to end — the whole managed sequence, not just this message. (The Day-90 audited report is included on Starter and up; an optional Lawyer's Letter of Demand is +5 credits.) Most invoices are settled on time right here.
Pre-due reminder 2
~1 day before due
A second light-touch reminder. Sets the expectation that on-time payment is normal.
First contact
Day 1–7 overdue
The neutral mediator introduces the case by email and a professional call.
Firming up
Day 7–30
Progressively firmer contact—gentle, then normal, then firm. Every email read-receipt and call is logged.
Audited Report warning
Day 60
The customer is formally told a court-ready evidence file is being prepared, with a visible countdown. This is real, not a bluff—and it changes behaviour. Most outstanding invoices resolve at or before this point.
Interest + network notice
Day 65–75
Late-payment interest is applied. The customer is told their payment behaviour is being recorded on the TradePact network (the Late Payer Index).
Final demand
Day 85
A formal, factual final demand with a specific deadline.
Audited Report delivered
Day 90
The complete court-ready evidence file is delivered to you. The process pauses. You choose the next step.

Two separate events, often confused.

Day 60 is the warning and the start of the countdown. Day 90 is when the report is actually delivered. The gap is deliberate—it gives the customer every chance to resolve before anything formal lands.

Key fact

The entire sequence runs autonomously. Between switching an invoice on and Day 90, your team makes zero calls, sends zero emails, and tracks zero follow-ups.

What your customer can do

Three doors for your customer—each handled, none on your desk.

Dispute the invoice → by phone

Raised on a call with the mediator. The process pauses immediately and you are notified. ChaseFlow never pushes a disputed invoice forward without your instruction—because auto-stopping on any claim of “dispute” would be an open invitation to abuse it. You stay in control of that call.

Ask for a payment plan → by live chat

The mediator negotiates an installment plan directly in live chat. Once agreed, it's monitored—and contact resumes automatically if the customer misses an installment.

Declare a payment → by email

The customer declares they've paid; if your accounting software is connected, it reconciles automatically and all contact stops on the spot.

TradePact Network

Neutrality

Why the relationship survives.

When the pressure comes from you, it's personal—and the customer you depend on for the next order remembers it. Inside the TradePact Network, an independent mediator handles every contact under a transparent, consistent standard. Your customer is dealing with a neutral party held to a protocol—never with you.

The invoice resolves. The relationship survives.

You never hand over your money

ChaseFlow never touches your funds.

We are not a collections agency and we never hold a cent of what you're owed. The customer's payment page shows only your bank or PayNow details and your own payment link. Money moves directly from your customer to you—we run the execution, not the wallet.

The audited report

A complete, court-ready evidence file: the full communication trail, read receipts, call logs and transcripts—time-stamped and tamper-evident. Turns an unpaid invoice into a small-claims filing or letter of demand without reconstructing months of history. Included in every subscription plan.

Intensity, your call

Same neutral standard. Three intensities.

Every customer deals with the same professional, neutral mediator—some simply hear from them more often and more firmly. You (or your accountant, on your behalf) pick the right setting per customer.

Good payer

Cadence: ~every 12 days
Tone: Light, friendly
For: Reliable customers who are just occasionally late

Default

Balanced (default)

Cadence: ~every 7 days
Tone: Polite but firm
For: Most customers

Strong

Cadence: ~every 3 days
Tone: Urgent, serious
For: Accounts still unpaid after earlier contact

See exactly what your customer experiences.

Step through a real invoice from first contact to resolution—every email, every call, every screen.

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