The Settle platform

The operating system
for how your business
runs money.

Invoices and payments. Vendor intake and approvals. Client and vendor intelligence. AI workflows on top. One operational layer your business runs on, not five tools you switch between.

Get Started See it work

Stripe-hosted paymentsEvery action loggedApproval thresholdsNothing sends without your rules

One invoice. Live.

Active

Invoice sent

Mon 2:15 PM

Acme Studios · $2,750

Client viewed

Mon 2:48 PM

Opened the invoice

Marked overdue

Day 14

12 days past due

Friendly nudge sent

Just now

Reminder stage in your follow-up plan

Cash Pulse updates

Live

Outstanding $2,750

Why a platform, not a tool

Tools handle one motion.
Platforms hold the shape underneath.

Invoicing tools own the sender side. Inboxes own the recipient side. Settle holds both as the same shared object, reachable from every surface your business uses.

Multi-party

Sender, recipient, agent. One shared object.

The invoice exists once. The sender sees their POV, the recipient sees theirs. An AI agent acting on behalf of either is a first-class accountholder, not a bot wrapped in API calls.

Multi-channel

Dashboard, messaging, MCP, public links.

Act on a Settle invoice from the dashboard, from email, from an MCP-connected AI tool, or from a public link. Same record, every surface.

Multi-shape

AR, AP, retainers, intake, channel revenue.

Project invoices, recurring retainers, vendor bills coming in, sales landing across channels. Different shapes of money work, one place.

One workflow, every product

One invoice. Five products. Shared state.

Watch a single invoice move through Settle. Every product touches it. The ledger remembers all of it.

Invoicing

Invoice created

Acme Studios · $2,750. Sent via email + payment link.

Invoicing

Client viewed

Opened from the payment link 33 minutes after send.

Invoicing

Reminder sent

Friendly nudge. Stage 2 of 7 in your follow-up plan.

Payments

Paid

$2,750 cleared via ACH. Stripe webhook updates the ledger.

Cash Pulse

Revenue updates

May revenue line up by $2,750. Aging bucket cleared.

Agents

Next invoice drafted

Recurring schedule fires the next cycle, queued for review.

Six steps. Four products. One invoice. The ledger remembers all of it.

One ledger, many surfaces

Every workflow writes to
the same operational history.

Invoicing, Cash Pulse, Invoice Inbox, Intake, Agents. Five products, one shared ledger underneath. Nothing reconciles between them because they were never apart.

See all products

Settle

Ledger

Invoicing Cash Pulse Invoice Inbox Intake Agents Trust

If your business runs on spreadsheets

The spreadsheet you've been editing forever has a successor.

Most of the businesses we talk to run their clients, vendors, invoices, and payments out of a spreadsheet. Settle replaces that work, not just the file. Invoices send themselves on a schedule. Payments mark themselves paid when they clear. Late clients get followed up without you opening the laptop.

And if your data already lives in a spreadsheet, you bring it with you. Settle imports clients, vendors, invoices, and transactions from CSV.

See what you can import

Before

clients-2026-final.xlsx

Client

Invoiced

Paid?

Due

Acme Studios

$2,750.00

yes

—

Maple Tutoring

2,200

yes

—

Riverside Co

$1,400

5/3

GreenLeaf llc.

185.00

OVERDUE

BellaVista

$3,100

venmo??

4/12?

NorthStar Inc

$890

—

...row 47 (formula broke)

#REF!

After

Receivables

Live

Outstanding

$5,575

Overdue

$185

Paid · MTD

$4,950

Acme Studios

$2,750.00

Paid

Maple Tutoring

$2,200.00

Paid

Riverside Co

$1,400.00

Sent

GreenLeaf LLC

$185.00

Overdue

BellaVista

$3,100.00

Paid

NorthStar Inc

$890.00

Draft

What runs on the platform

Capabilities you won't find together anywhere else.

Follow-up plan

Heads-up

Friendly nudge

Quick check-in

Sending

Polite

Direct

Urgent

Final

Escalating follow-ups

Reminders that escalate with the tone you choose.

Heads-up, friendly nudge, quick check-in, polite, direct, urgent, final notice. Each stage uses a tone you choose. You see every message before send.

7 escalation stages
Tone control per stage
Approve before send

See how it works →

Invoice Me submissions

[email protected]

[email protected]

[email protected]

Vendor intake

A public link that filters bad submissions before they reach you.

Share one Invoice Me link. Submissions are screened against sanctioned jurisdictions, disposable email domains, and abuse patterns. Blocked ones never land in your inbox.

Structured submissions
Jurisdiction screening
Audit log of rejections

See how it works →

Client · Acme Studios

Auto-tracked

Acme Studios

Since Mar 2024 · 12 invoices

On time

Total paid

$48,200

Avg days

4 days

Outstanding

$2,750

Derived from invoices and payments. No CRM logging required.

Client and vendor intelligence

Your contacts get smarter from the work itself.

Every invoice, payment, and submission updates the client or vendor record automatically. No CRM logging tax. Their behavior is the data.

Auto-tracked from Invoice Me
Per-client payment history
Block, approve, monitor vendors

See how it works →

Agent rules · Revenue agent

Per-invoice cap$5,000

Monthly cap$20,000

Whitelist12 recipients

Approval threshold$2,500

Agent-native

AI agents that draft invoices. Always within your rules.

Spending caps, recipient whitelists, approval thresholds. The agent stops at the edge of every rule. Settle logs every action in the same audit trail as your own.

Spending caps + whitelists
Approval thresholds
Full audit trail

See how it works →

Workflows on Settle

Same platform. Many workflow shapes.

Four common shapes most businesses recognize themselves in. Eight in the gallery, and many more fit the same primitives.

Freelancers

Project billing

Send the invoice. Get paid. Move on.

You bill clients project by project. You want the invoice to take two minutes and the payment to land without a follow-up call.

Workflow

Scope

Invoice

Get paid

See the workflow →

Agencies

AR + AP

AR and AP in one place. Stop billing through three tools.

You run a small team billing multiple clients. You also pay subcontractors and vendors. You want the money in and the money out tracked in one system.

Workflow

See the workflow →

Local services

Recurring clients

Recurring monthly billing for the families and businesses you serve.

You teach, train, clean, or maintain on a recurring schedule. You have 30 to 200 clients paying you monthly. You want them paying online without you texting reminders every Friday.

Workflow

See the workflow →

Multi-channel businesses

Channel revenue

Your money lands in five places. See it in one.

Etsy, Amazon, Acuity, Stripe, the occasional check. Each platform pays on its own schedule. Settle imports every channel into one revenue view so you can see what you actually made.

Workflow

See the workflow →

Pricing