Minns
    Your money · Getting paid

    Get paid on time, without being the one who chases.

    Your assistant knows who owes you and how late they usually pay. It drafts each reminder in your voice, firmer at every step, and reads the replies so you know what is really holding the money up. You approve every message before it goes.

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    Works with your invoices in Minns, Xero, QuickBooks and FreeAgent, and sends from your own Gmail or Outlook.

    A chaser as you see it: who it goes to, which mailbox it goes from, and the exact words. Example names and figures.

    01 · Who owes what

    Every overdue invoice, and how each customer really pays.

    Getting paid starts from your books, not a spreadsheet. Every sales invoice that is issued, past due and not fully paid is there, sorted by how late it is, whether you raised it in Minns or it came from Xero, QuickBooks or FreeAgent.

    Beside each customer is what they owe, their oldest invoice and how late they paid the ones they settled. A customer who always pays at 45 days is a different conversation from one who has gone quiet.

    • Grouped by age: 1 to 30, 31 to 60, 61 to 90 and over 90 days.
    • An invoice with no due date is taken as due on your usual payment terms, and it says so.
    • Part payments counted, so the figure is what is actually still owed.
    02 · Chasers on your cadence

    Friendly first, firmer every step, never skipping one.

    You choose the days: by default a friendly note the day after it falls due, then 7, 14 and 30 days. Each customer gets one step at a time, so nobody receives a final demand out of the blue.

    Each reminder is written for that customer and that invoice by your accountant assistant, in your voice. If a customer needs a purchase order, or prefers a lighter touch, you note it once on their record and every chaser after that takes it into account.

    • Open Getting paid, or press refresh, and the chasers that are due are drafted for you.
    • If a draft cannot be written, a plain template is used and the card says so.
    • Snooze a customer for a week, or skip a step, without losing your place.
    03 · Replies read for you

    Know why the money is late, not just that it is.

    When a customer answers a chaser, your assistant reads the reply and puts it in its place: promised to pay, with the date; says they have paid; in dispute; needs a purchase order or a different format; stuck in their approval process or supplier portal. Seven quiet days counts as no reply.

    Each overdue invoice carries a reason, and you can correct it. Over time you see where your money really gets stuck, by value and by count, so you can fix the cause: a missing PO step, a portal nobody uploads to, terms a customer never agreed.

    • Only the replies to your chasers are read, and only to sort them.
    • Your corrections are kept, with what they replaced.
    • Reading replies is done for Gmail today; Outlook is not yet tested against a live mailbox.
    04 · Statutory interest, if you want it

    What the law lets you claim, worked out to the day.

    Between businesses, the Late Payment of Commercial Debts Act lets you claim interest at 8% over the Bank of England base rate, plus a fixed sum per invoice of £40, £70 or £100 depending on its size. Most owners never claim it because working it out is a chore.

    Your assistant works it out for every overdue invoice to a business customer, using the base rate the Act points to and the days the invoice has actually been late. It is only ever offered: you choose whether to claim it, and from which step of the chase.

    • Simple daily interest from the due date, or 30 days after the invoice if no date was agreed.
    • Part payments lower the interest from the day they land.
    • Never added to a chaser unless you have chosen to claim it, and only for customers you mark as businesses.

    Worked out from the Act's rules. Check the Bank of England rate for any period the table has not yet been checked against; the page says when that applies.

    The use case: one late invoice

    From overdue to paid, in the order it happens.

    One invoice to one customer. Your assistant drafts and reads; you decide what is sent.

    1. 28 SEP

      The invoice falls due

      Invoice 1042 for £2,480 to Brightwell passes its due date unpaid. It appears in Getting paid with how Brightwell usually pays.

    2. 29 SEP

      A friendly reminder, approved

      You open Getting paid. The first reminder is drafted; you read it and press send. It goes from your mailbox.

    3. 6 OCT

      A reply, sorted

      Sam replies that their system needs a purchase order. The invoice's reason becomes 'needs a PO' and you note it on Brightwell's record.

    4. 12 OCT

      The next step asks for the PO

      The day 14 reminder is drafted asking for the PO number and offering to reissue. You approve it.

    5. 15 OCT

      Paid

      Brightwell sends the PO, you reissue, they pay. The payment matches the invoice in the books and it leaves the list.

    Card numbers, bank details and passwords are refused if anyone tries to save them here.

    Who decides

    It does the work. You make the calls.

    What the assistant may do on its own, and what only you, or someone you choose, may do.

    The assistant may

    • Read your overdue invoices and how each customer has paid.
    • Draft each chaser on your cadence, in your voice.
    • Read the replies to its chasers and sort them.
    • Work out the statutory interest you could claim.

    Only you may

    • Send a chaser. Each one is sent once, exactly as you saw it, from your own mailbox.
    • Choose the cadence, and which mailbox chasers go from.
    • Claim statutory interest, and say which customers are businesses.
    • Correct why an invoice is late.
    Questions owners ask first

    Straight answers.

    Will it send anything without asking me?
    No. Every chaser waits for your yes. If a draft changes after you looked at it, it is not sent until you look again, and one press sends it once.
    Which mailbox do chasers come from?
    Your own Gmail or Outlook, so replies come back to you. An owner or admin chooses the mailbox. A personal mailbox only sends for its own person, and a read only connection sends nothing.
    Does it take payments or touch my bank?
    No. It reads your books and your mail. It never takes a payment, moves money, logs in to a customer's portal or contacts HMRC.
    Do I need Xero or QuickBooks?
    No. It works from invoices you raise in Minns, or from Xero, QuickBooks or FreeAgent if you use them.
    Is chasing for statutory interest a good idea?
    It is your call, and often a relationship one. That is why it is only ever offered, from the step you choose, and only for customers you mark as businesses.

    Give your business an assistant.

    Connect your mail, calendar and books in a few minutes. It works the way you do, and asks before it acts in your name.

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