Accounts receivable software · Australia
Accounts receivable software that actually collects
Most tools in this category price like an ERP and sell you modules that never chase a dollar. Collections is letters, timing and follow up. Mona Collects does that one job, for every overdue invoice on your ledger, every morning, in your business name.
14 day free trial · cancel anytime · no contracts
What accounts receivable software should actually do
Strip away the dashboards and there are only five jobs. If a tool does not do these, it is not collecting, it is reporting.
- Read every unpaid invoice, however your ledger arrives
- Send an escalating sequence rather than the same reminder twice
- Go formal when politeness runs out, with a real Letter of Demand
- Notice when money lands, so nobody is chased for what they paid
- Show you which accounts need a phone call instead of another email
Accounts receivable automation software, without the modules you never open
Walk the pricing pages of the big accounts receivable automation software vendors and you will find credit insight bureaus, order to cash suites, customer portals, dunning workflow designers and a sales call before you are allowed to see a number. Every one of those is a line item. None of them sends the letter that gets you paid.
Mona is deliberately narrow. She chases. That is why she costs a fraction of the incumbents, and why the price is printed further down this page instead of hidden behind a quote wall.
How the collections run works
- 1
Your ledger goes in
Connect Xero for a read-only sync, or upload the aged receivables report exactly as your accounting system exports it. Mona works out which column is which, whatever yours are called.
- 2
Letters go out on a schedule
A friendly payment reminder, a firmer notice, a final notice, then a formal Letter of Demand. Each one is calm and professional. The escalation is carried by the structure, not by the language turning nasty.
- 3
Payments are detected
Every sync is compared against the last one. When an invoice clears, the chasing stops by itself, so nobody is ever chased for money they have already sent.
- 4
You get told what happened
A morning report with what landed overnight, who is ignoring you, who promised to pay and did not, and which accounts have earned a harder conversation.
Debt collection software, without the agency commission
An agency takes a cut of everything it recovers. That is a fair deal at the true end of the road, and a poor one for the ordinary late payer who simply needed asking four times in writing. Most overdue invoices never get near an agency.
Debt collection software in Australia should run that whole sequence for a flat monthly fee and keep the relationship intact while it does. If an account genuinely does need escalating, Mona hands you a complete evidence pack: every letter, every delivery receipt, every invoice, in the order it happened.
Simple pricing, published
Every plan includes the full engine: letters, Letter of Demand, escalations and payment detection. 14 day free trial · cancel anytime · no contracts.
🐾 Founding 50 · strictly limited
The Standard plan for $79 a month. Locked in for life.
The first 50 businesses get everything in Standard, including Xero sync and 300 debtors, at the founding rate for as long as they stay subscribed. In return we will occasionally ask what you think. That is the whole deal.
14 day free trial first
Starter
For small ledgers doing it all by spreadsheet.
$99 AUD / month
- Up to 100 active debtors
- Excel upload, columns detected automatically
- All four letter stages incl. Letter of Demand
- Escalations queue when demands are ignored
- Payment detection and morning reports
Standard
MOST POPULARThe plan most businesses pick.
$149 AUD / month
- Up to 300 active debtors
- Xero sync included, read-only and automatic
- Team logins for your staff, read only option included
- Everything in Starter
- Monthly upload reminders for spreadsheet users
- Priority email support
Growth
For serious ledgers and teams.
$299 AUD / month
- Up to 1,000 active debtors
- CRM webhook and API access
- Everything in Standard
- Priority support
More than 1,000 debtors? and we will price it for your book.
Where your data lives
- Your data is stored in Australia, in the AWS Sydney region
- Everything is encrypted, both in transit and at rest
- Every business's data is walled off at the database level, so no other Mona Collects customer can ever see yours
- Xero access is read-only. Mona can see unpaid invoices, nothing else, and can never change your accounting data
- We run entirely on independently certified infrastructure (SOC 2 Type II and ISO 27001)
Accounts receivable software questions
What is accounts receivable software?
Accounts receivable software manages the money your customers owe you and chases it when it goes past due. The useful kind reads your unpaid invoices, sends escalating payment reminders on a schedule, notices when payments land, and tells you which accounts need a harder conversation. Mona Collects does that one job rather than bundling modules you will never open.
How much does debt collection software cost in Australia?
The big platforms typically run several hundred dollars a month, often with lock-in contracts and modules that never actually chase anyone. Mona Collects is $99 to $299 a month depending on ledger size, with a 14 day free trial and no contract. The first 50 businesses get the founding rate of $79 a month, locked in for as long as they stay subscribed.
What is the difference between accounts receivable automation software and a debt collection agency?
Software runs the whole polite-to-formal sequence for a flat monthly fee and collects the bulk of late payers before anything escalates. An agency takes a commission on what it recovers and earns its keep at the true end of the road. Most overdue invoices never need one. Mona runs the sequence and, if an account genuinely needs an agency, hands you a complete evidence pack.
Does accounts receivable software work with Xero?
Mona connects to Xero with read-only access, so she can see unpaid invoices and can never change your accounting data. Xero sync is included from the Standard plan. If you are on MYOB, QuickBooks, Reckon or anything else, export your aged receivables and upload it. Mona works out which column is which whatever your system calls them.
Is my data safe with cloud based AR collections software?
Your data is stored in Australia in the AWS Sydney region, encrypted in transit and at rest, and every business is walled off at the database level so no other customer can ever see yours. Mona Collects holds no certification of its own, but every layer it runs on is independently certified to SOC 2 Type II and ISO 27001.
New to the terminology? Start with what accounts receivable actually is, or read the payment reminder templates Mona sends.
Put your ledger to work
Start the trial and upload a report, or leave your details and we will call you back and walk through your book together.