How to connect Xero, QuickBooks and Sage to Capitalise for stronger credit control

You connect Xero, QuickBooks or Sage to Capitalise by signing in to your Capitalise account, opening credit risk manager, selecting your accounting platform and approving access in a few clicks. Once connected, your contacts and invoices sync automatically, so you can see every customer's credit risk sitting right next to the invoices they owe you.

For a small business owner, that single connection turns two separate jobs, chasing invoices and checking who is safe to trade with, into one simple screen.

How do you connect Xero, QuickBooks or Sage to Capitalise?

Connecting takes a few minutes and works the same way for all three accounting software platforms.

1. Sign in to your Capitalise account, or create a free account if you do not have one yet.

2. Go to monitor from your dashboard.

3. Choose your accounting software from the list, Xero, QuickBooks or Sage.

4. Confirm the connection to link your account. Capitalise connects directly through a secure API, so there is no separate login step, your accounting software simply grants read only access.

5. Your contacts and outstanding invoices pull through automatically within your Capitalise account.

6. Select which customers you want to monitor and they will be added next to their credit score and payment risk.

From here, your invoice and credit data refreshes on a regular schedule, or you can trigger a manual sync at the top of the screen whenever you need the latest numbers.

Why connect your cloud accounting to Capitalise?

Connecting your accounting software matters because it puts the two things that decide whether you get paid on time, your outstanding invoices and your customer's financial health, in one place instead of two. Without the connection, you are left switching between your accounting platform to see who owes you money, and separate credit checks to see whether they are likely to pay. That takes time, and it is easy to miss a customer whose risk has changed since you last looked.

Once connected, you get:

• Every outstanding invoice matched to that customer's live credit score and risk rating

• A clear view of which unpaid invoices are most at risk of late payment, so you know who to chase first

• Real time alerts the moment a customer's credit profile changes, including a new County Court Judgment or a drop in payment performance

• A suggested credit limit for each customer, so you can see if you are extending more credit than is sensible

• One dashboard for your whole debtor book, rather than juggling your accounting software and a separate credit checking tool

For a business owner, the benefit is simple, fewer surprises. You find out about a risk to your cash flow while there is still time to act, rather than discovering it when an invoice is already weeks overdue.

What happens once your accounting software is connected?

As soon as Xero, QuickBooks or Sage is connected, Capitalise synchronises your contacts and invoices. You then have the option to add any UK company to monitor, where you will see the company’s credit profile, next to their outstanding invoices. Monitored customers are tracked continuously, and if anything changes on their credit profile you get an email alert straight away, rather than having to log back in and check.

This is particularly useful for debt collection. Instead of working through your invoice list customer by customer, you can immediately see which high risk customers hold the largest outstanding balances, and prioritise your chasing accordingly. It also means you are not spending time following up on customers who are low risk and simply paying to their normal terms.

You can also run a company credit check on any new customer before you agree to extend them credit in the first place, so you are making an informed decision from the very first invoice.

How does this strengthen your credit control?

Connecting your accounting software turns credit control from a manual, reactive task into something you can manage proactively from a single dashboard. Rather than reviewing customer risk occasionally, or only after a payment is already late, you have ongoing visibility of your entire debtor book alongside real time alerts when something changes.

This fits into a wider credit control process, covering how you assess new customers, set credit limits, chase overdue payments and handle debt recovery. If you want to build out that process in full, our credit control guide walks through each step, from setting payment terms to handling late payers.

Which plan gives you access to Credit Risk Manager?

Credit risk manager is available on our paid plans, alongside your full business credit score. The number of customers you can monitor in real time depends on your plan.

All plans are rolling monthly with no minimum term, so you can cancel at any time. If you need to monitor more customers than your plan allows, Credit Bundles let you top up without upgrading your whole subscription. You can compare the full breakdown on our plans page.

Is it safe to connect your accounting software to Capitalise?

Connecting Xero, QuickBooks or Sage to Capitalise is safe. The connection runs through a secure, read only API link, meaning Capitalise never sees or stores your accounting password, and cannot edit, delete or change anything in your accounts. You are always in control and can disconnect the link at any time from your account settings.

What if you do not use Xero, QuickBooks or Sage?

If your business does not use one of these three platforms, you can still credit check your customers and monitor their risk profile through Capitalise. What you will not get is the automatic sync of your invoices, so you would need to check your outstanding balances against that risk data yourself, rather than seeing them matched up automatically inside credit risk manager.

Connect your accounting software and take control of your credit risk

If invoices sitting in Xero, QuickBooks or Sage are taking up time you would rather spend running your business, connecting them to Capitalise gives you one place to see who owes you money and who might be a risk to your cash flow. Sign up to Capitalise, connect your accounting software from your dashboard, and start monitoring your customer credit risk today.