Get paid on time.
From less than R13 a day.
Credit Control keeps your invoices paid on time: reminders, texts, follow-up calls and statements, in your business’s name, with every step in your own portal. One fixed price, no setup fee, and two months free when you pay yearly.
Change or cancel any time.
Billed monthly. Pay yearly and save R900.
- 15 invoices worked at a time, load as many as you like
- Less than R
1515 a day - Every reminder, text and call included
For a small book that just needs consistent, professional follow-up.
Choose EssentialNo setup fee · cancel any time
Billed monthly. Pay yearly and save R1,900.
- 40 invoices worked at a time, load as many as you like
- Less than R
3232 a day - Every reminder, text and call included
For a growing business where late payments are starting to hurt cash flow.
Choose GrowthNo setup fee · cancel any time
Billed monthly. Pay yearly and save R3,600.
- 100 invoices worked at a time, load as many as you like
- Less than R
6060 a day - Every reminder, text and call included
For a full ledger that needs dedicated, ongoing credit-control attention.
Choose ProNo setup fee · cancel any time
- Reminders before the due date and on it, in your business’s name
- Overdue follow-up by email and SMS
- A phone call from ARS at 14 days late
- Monthly statements to every customer with a balance
- Replies handled for you: “paid”, “Friday”, “wrong invoice”
- Connect Xero, or import from Sage, QuickBooks or Excel
- Your own logo on statements and reminders
- A live portal, aged-debt reports and Excel exports
- Customer credit checks for R199 (normally R249–R278)
- Free access for your accountant
- Your customers always pay you directly
- Unpaid at 30 days? One click to Debt Recovery: no recovery, no fee
One unpaid invoice can cost more than a whole year of Credit Control.
One unpaid R5,000 invoice costs you more than a whole year of Essential paid yearly (R4,500).
Commission on anything your customers pay while their invoice is in Credit Control. They pay you directly, and you keep all of it.
Customer credit checks on any plan, instead of R249–R278, so you know who’s safe to give credit to.
Recovery is no win, no fee. Extras only if you say yes.
Debt Recovery
No recovery, no fee. Typically 12% on invoices under R25,000 and 15% from R25,000, invoiced only after the money reaches you. Letters of demand and calls are included. More
Customer credit checks
R249 for a business, R278 for a person, or R199 on any Credit Control plan. Needs the customer’s signed consent, and you get a clear answer: go ahead, be careful, or don’t give credit. More
Debtor tracing
When a debtor goes quiet on a recovery case, we find their latest contact details. Only if you approve it, and only charged if we recover the money. R60 on any Credit Control plan. More
Credit-bureau listing
If a debtor ignores our free final letter of demand, we trace their details and list the unpaid account with a credit bureau after the 20-business-day notice the law requires. Only on your instruction, and only charged once they’re listed. R249 on any Credit Control plan. More
What you pay, and what you pay on Credit Control.
No VAT is added: ARS Financial isn’t VAT-registered, so the price you see is the price you pay.
You pay for ten months and get twelve: one invoice (or one card payment) a year instead of twelve. The plan renews each year, and you can move between monthly and yearly whenever you like.
Yes, any time, by email. A monthly plan stops at the end of the month you’ve paid for. On a yearly plan we stop at the end of the month you cancel and refund the rest of the year, less the months used at the monthly price, so you never pay more than you would have monthly.
An invoice we’re still following up because it hasn’t been paid yet. Paid invoices drop off, so the space frees up as you get paid. If your book outgrows your plan, move up whenever you like; the new price starts from your next invoice.
Never. Your customers always pay you directly, into your own bank account, using the details on your invoices. ARS never handles your money for Credit Control.
Both are optional, and we only do them if you say yes on that case. Tracing (R85, or R60 on Credit Control): when we can’t reach a debtor, we find their latest contact details. You only pay for the trace if we recover the money after tracing them; it’s added to that commission invoice, and if nothing is recovered the trace costs you nothing. Blacklisting (R287, or R249 on Credit Control): if a debtor ignores our free final letter of demand, we give them the 20-business-day notice the law requires, then list the unpaid account with a credit bureau. You’re only invoiced once they’re actually listed; if they pay, arrange payment or dispute it during the notice, you pay nothing.
No. ARS Financial isn’t VAT-registered, so the price you see is the price you pay.
Yes. ARS Financial (Pty) Ltd is registered with the Council for Debt Collectors (no. 00130149/26).
Load them all. Your plan sets how many we work at a time (15, 40 or 100); the rest wait in a queue and start, most overdue first, as soon as one is paid. For a bigger ledger than that, talk to us and we’ll tailor a plan.
Stop chasing. Start getting paid.
Create your free account, load your invoices and pick a plan. We start the day your signed agreement arrives.