You are not the only one waiting
Around 1.5 million UK businesses are affected by late payment every year.
is owed to the average business that gets paid late.
a year go on chasing invoices.
businesses close every day because of late payment.
Sources: Office of the Small Business Commissioner, Late Payments Research; Department for Business and Trade, September 2025. Late payment costs the UK economy an estimated £11bn a year.
What I do, and what I don’t
Heavy-handed chasing can cost you the customer. Some of it is also illegal.
What I do
- ✓Around five messages over two weeksTexts and emails, always under your business name. Then I stop and tell you.
- ✓I stop the moment it is paidTell me, and nothing else goes out.
- ✓A dispute stops me tooIf your customer says the work was not right, tell me and everything stops. That is between you and them.
- ✓Replies come straight to youIf your customer writes back, you answer them, not me.
- ✓Your money goes straight to your bankI never receive it or hold it.
What I don’t do
- ×No phone callsI do not ring your customer, and neither does a call centre.
- ×No letters, no visitsEmail and text only.
- ×No threatsI never mention court or bailiffs, or anything else that will not happen.
- ×No interest or feesI ask for the amount on your invoice and nothing else.
- ×Not a debt collectorI am not one, and I never say I am.
What it costs
£49 is one and a half percent of a £3,200 invoice. Chasing it yourself costs nothing, and takes about 86 hours a year.
I reply with a card link. Nothing goes out until it is paid.
- ✓Around five texts and emails over two weeks, all under your business name
- ✓Everything stops the moment you say it’s paid
- ✓A copy of every message sent, yours to keep
billy@usebilly.co.uk
Questions
A customer hasn’t paid for work I’ve done. Where do I start?
Email me a photo or a PDF of the invoice, along with the name and mobile number of whoever owes you. I reply with a card link, and the first message goes out as soon as that is paid. There is no account to make and nothing to set up.
Are you a debt collector?
No. I am a messaging tool. The reminders go out on your behalf, in your business name, and your customer pays you directly. I never receive or hold the money, I do not buy debts, and I do not take a cut.
When and how do I pay the £49?
I reply to your email with a card payment link, whatever time you send it. Nothing goes out to your customer until that is paid. Change your mind and you pay nothing, and nothing happens.
Can you guarantee I’ll get paid?
No, and be wary of anyone who says otherwise. What I can promise is that the reminders go out on time, every time, without you writing them.
What if they’ve already paid?
Tell me, and everything stops within seconds.
What if they say the work wasn’t right?
Their reply comes straight to you. Tell me and everything stops, same as if it had been paid. A disagreement about the work is between you and your customer, and I stay out of it.
Do you add interest or fees to what they owe?
No. I ask for the amount on your invoice and nothing else. If you want to claim statutory interest on a business invoice, that is your right and your decision, and I stay out of it.