Built for the firm that has to answer for the money.
Run collections across your whole client book from one console — with the audit trail that stands behind every settlement.
The work your firm actually does, made faster.
Reconcile by morning
Every settlement is matched to the provider record overnight. You arrive to a clean ledger and a short list of exceptions — not a reconciliation backlog.
Audit on demand
A timestamped, identity-bound trail for every payment, exportable the moment a client, a bank or HMRC asks. No more reconstructing who paid what.
One console, every client
Manage collections across your entire book from a single workspace, with settlement going straight to each client's own account. You orchestrate; you never hold their funds.
Straight from your ledger
Invoices captured from SmartBooks or your accounting stack, collected by card or open banking, reconciled back automatically. The loop closes itself.
Collections that fit the way a practice already works.
Saldivo is designed for the partner, manager and bookkeeper who all need the same payment truth. The client sees a simple request; the practice sees the invoice, payer identity, method, settlement record and exception state in one place.
Send from the ledger
Import or create the invoice, choose card or open banking, and send one branded request instead of chasing through email threads.
Verify before matching
Each payer is bound to an identity check, so the firm can evidence who authorised the payment rather than only seeing that money arrived.
Separate client money
Funds settle directly through regulated providers to the client account. Saldivo orchestrates the workflow and never becomes the holder of funds.
Close exceptions fast
Failed, abandoned, refunded and disputed payments stay attached to the invoice record, giving the team a small exception queue instead of manual research.
Built for the messy middle of client collections.
Monthly bookkeeping and payroll retainers
Send recurring payment requests from the same client book, track who has authorised, and keep failed payments attached to the right client record instead of chasing through inboxes.
Year-end accounts and tax work
Higher-value invoices are clearer with open banking because the fee is capped and the authorisation is tied to the payer. The audit record gives the practice proof when a director, bookkeeper or client finance team asks who approved settlement.
Multi-client credit control
Partners can see portfolio risk while managers work the exception queue. A client that has paid, failed, abandoned or disputed a payment is visible without exporting reports from separate provider dashboards.
Practice-wide governance
Role-based access, provider references and timestamped events mean payment collection becomes a controlled process rather than a set of individual habits across teams.
“We collect for two hundred clients. Saldivo is the first tool that lets us prove who paid, not just that a payment cleared.”
Bring your whole client book onto one rail.
No monthly minimum. Start with one client and one invoice.