Debtor Daddy is now CreditorWatch Collect, and it and ti3 both deal with overdue B2B invoices, but they’re built for different jobs and different markets. CreditorWatch Collect is an Australian AR platform: automated email and SMS reminders, a call queue for your team, optional outsourced calling, pay-now links, and a one-click hand-off to a third-party collection partner, all connected to Xero, MYOB or QuickBooks. ti3 is a first-party recovery program for US businesses with invoices that are already stuck: five reminders over five weeks in your business name, a self-serve page where the customer can resolve the debt, no phone calls, and a decision at the end. ti3 is $49/mo on Self-Serve or from $499/mo on Managed. If you’re an Australian or New Zealand business, look at CreditorWatch Collect first. If you’re a US owner-operator with a few accounts that have stopped moving, ti3.
Disclosure: ti3 is our product. We’ve tried to be fair to CreditorWatch Collect, including where it’s the better choice. Every CreditorWatch Collect fact below comes from its own website as of October 2026 unless we say otherwise.
Side-by-side comparison
| ti3 | CreditorWatch Collect (formerly Debtor Daddy) | |
|---|---|---|
| Starting price | $49/mo Self-Serve, from $499/mo Managed, published | Not published; self-service plan via free trial, Custom plan via sales |
| Free trial | Yes (Self-Serve, up to 10 invoices for one full 5-week cycle) | Yes, 14 days |
| Market | US businesses | Australia and New Zealand; Australian support line |
| What it’s built for | Recovering invoices that are already overdue and stuck | Running day-to-day receivables follow-up across every invoice |
| Recovery model | Fixed 5-week sequence that ends in a decision | Configurable ongoing workflows, with escalation when needed |
| Channels | Email and SMS, plus an optional formal Final Demand Notice | Email, SMS and a call queue for your team |
| Phone calls | None, by design | Your team via Call Console; or its specialists via Call Assist, a paid add-on |
| Where the customer resolves it | A self-serve page for that debt: pay in full, pay part, payment plan, settlement discount or counter-offer | Pay-now links in reminders (card, bank transfer, Apple and Google Pay, payment plan) |
| Where the money goes | Straight to your merchant account or wallet; ti3 never holds funds | Through Stripe or Worldpay, set up during onboarding |
| Escalation after reminders | Final Demand Notice, then Case Resolution: you choose lawyer, agency or write-off | CreditorWatch-branded letters, or “Send to Collect” to a third-party collection partner on commission |
| Data in | QuickBooks 1-click, Excel, CSV, REST API | Xero, MYOB, QuickBooks; NetSuite and Dynamics 365 on Custom |
| Free recovery analysis | Yes, at /analysis/ | Not offered; risk scoring via Priority Intelligence instead |
| Best for | US owner-operators with a few stuck accounts they want closed | Australian and NZ finance teams with steady invoice volume |
Sources: CreditorWatch Collect pricing, Call Assist, Debt Collection, Payments, ti3 pricing.
Where CreditorWatch Collect wins
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Australia and New Zealand fit. It’s built for the Australian accounting stack, with native MYOB and Xero sync, an Australian support line, and local calling specialists. A US-built tool won’t match that, and ti3 doesn’t try.
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Credit-risk data built in. CreditorWatch is an Australian commercial credit bureau, and Collect uses that data in its Priority Intelligence feature to flag accounts that are deteriorating before they’re badly overdue. ti3 doesn’t score your customers against bureau data.
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Calls, if you want them. Call Console gives your own team a queue of who to call next, with promises and outcomes logged. Call Assist goes further: trained specialists make the calls for you, from $195 for 20 calls a month up to $795 for 400, on its own pricing page. That pricing is on an Australian site, so check the currency before you budget. If your customers are large companies where a call to the right person moves an invoice, that’s a real capability ti3 doesn’t have.
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A built-in route to collections. When reminders are exhausted, you can send an invoice to CreditorWatch’s collection partner from inside the app. Commission varies with the size of the debt; its own example is 10% on a $50,000 debt. That’s convenient, though once the account goes to the partner, a third party is now dealing with your customer.
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Day-to-day AR, not just the stuck accounts. Collect is designed to follow up every invoice on a schedule. If your problem is that nobody nudges invoices at all, that’s the right shape of tool.
Where ti3 wins
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Built for US businesses. ti3 is priced in US dollars, imports from QuickBooks in one click, and its Final Demand Notice and guides are written around US practice, such as state statutes of limitations on unpaid invoices. A US owner using an Australian tool on US accounts can make it work, but nothing in the product is written for their situation.
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A sequence with a shape and an end. ti3 runs five reminders over five weeks by email and SMS, each firmer than the last, with an optional Final Demand Notice as a sixth step and Case Resolution to record what happens next. When a customer has decided you’re the bill they can push back, an open-ended reminder loop tends to become background noise. A sequence that visibly escalates does not.
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More ways for the customer to say yes. A pay-now link only works for a customer ready to pay in full or on a set plan. Every ti3 reminder links to a self-serve page where the customer can pay in full, pay part, set up a payment plan within your rules, take a settlement discount you’ve offered, or propose a counter-offer you approve in one click.
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No phone calls, ever, and no third party unless you choose one. For owner-operators whose customers are also their pipeline, a call from someone they’ve never met can cost more than the invoice. ti3 keeps every message in writing, from your business, and never hands the account to a collector. If you decide an agency is the right next step, that’s your decision in Case Resolution, made with your eyes open.
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Published, flat pricing. ti3 is $49/mo on Self-Serve and from $499/mo on Managed, month to month, and Managed carries a 30-day money-back guarantee. CreditorWatch Collect doesn’t publish its platform price. Our pricing page has what each plan includes.
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Free recovery analysis before you pay. Send your aging report to /analysis/ and we’ll come back within 48 hours with an estimate of what’s recoverable and which accounts are likely write-offs.
Buyer-specific verdict
If you’re an Australian or NZ business: CreditorWatch Collect. ti3 isn’t built for your market, and native MYOB sync alone makes the difference.
If you’re a US business whose invoices mostly slip a few days: you need a reminder tool, not a recovery program. Our guide to automated invoice reminders covers how to set one up well.
If you’re a US owner-operator with a handful of invoices stuck past 30 days: ti3. That’s the exact job the 5-week sequence and the decision at the end are built for.
If you’re a US MSP chasing retainer non-payment: ti3, with MSP-specific guidance in the MSP client collections guide.
If you’re a US business with Australian customers, or the reverse: use the tool that matches where you are, not where the customer is. Cross-border debts have their own wrinkles; our guide to recovering from an out-of-state customer covers the US side of jurisdiction questions.
Frequently asked questions
Did Debtor Daddy rebrand to CreditorWatch Collect?
Yes. Debtor Daddy was acquired by CreditorWatch, and the old debtordaddy.com address now redirects to creditorwatchcollect.com.au. It’s the same product line with CreditorWatch’s credit data and collection partners added around it.
Does CreditorWatch Collect still have a $29 plan?
Not that we can find. Older review-site listings quote a $29/mo Starter tier for up to 25 debtors, but the current pricing page shows only a self-service plan you start with a 14-day free trial and a Custom plan through sales, with no prices listed. Ask for a quote before you compare it to anything.
Is ti3 available outside the US?
ti3 will run for a business anywhere, but the Final Demand Notice, our guidance and our pricing are written for US businesses. If you’re outside the US, we’d rather you used a tool built for your market.
What happens if my customer disputes the invoice?
In ti3 the customer can raise a dispute from their self-serve page, and it’s logged against the account. The sequence keeps running while you answer the dispute in writing. It only pauses if you agree the dispute is valid and pause it yourself, so a vague complaint can’t become an easy way to stall payment.
Does ti3 phone my customers like CreditorWatch’s Call Assist?
No, never. ti3 works by email, SMS and the self-serve page. If one account genuinely needs a call, it’s yours to make. Our guide on chasing invoices without losing the client explains why we built it that way.
Is sending an invoice to a collection partner on commission cheaper than ti3?
It depends on the size of the debt. A commission is a share of what’s recovered, so on a large invoice it can cost far more than a month of flat-fee software, and it puts a third party between you and your customer. ti3 is a flat monthly fee whatever you recover. Our breakdown of flat-fee vs contingency collections and what collection agencies charge has the arithmetic.
What happens after week 5 if the invoice still isn’t paid?
You choose the next step in Case Resolution: send the Final Demand Notice if you haven’t already, hand the account to a lawyer or a collection agency, or write it off. ti3 records the decision, but it doesn’t practise law or collect on your behalf. If you’re weighing the agency route, read when to send an unpaid invoice to collections first.
Can I switch from Debtor Daddy to ti3?
If you’ve moved your business to the US and want a US recovery program, yes. Export your customer and invoice data as a spreadsheet and import it into ti3 by CSV or Excel, or connect QuickBooks if that’s where your invoices live. Move accounts one at a time and stop the old reminders on each one, so the customer isn’t getting two sets of messages about the same invoice.
Where to go next
If you’re a US business with stuck invoices past 30 days, run them through ti3’s free analysis. It tells you which accounts are worth a structured sequence and which to write off.
If you’re an Australian or NZ business, start CreditorWatch Collect’s 14-day free trial.
For the broader playbook, read the small business AR recovery complete guide.
Sources
- CreditorWatch Collect pricing (self-service and Custom plans, 14-day trial, integrations), checked October 2026
- CreditorWatch Collect homepage (channels, Priority Intelligence, escalation FAQ), checked October 2026
- Call Assist and Call Console (outsourced and in-house calling, Call Assist pricing), checked October 2026
- Debt Collection (collection partner hand-off, commission example), checked October 2026
- Payments (Stripe and Worldpay, pay-now methods), checked October 2026
- ti3 pricing (plans, free trial, guarantee, Final Demand Notice)
Where we stand: ti3 is our product, so weigh the “where ti3 wins” section with that in mind. We build first-party recovery software. We are not a collection agency, we don’t practise law, and nothing here is legal advice. CreditorWatch Collect’s plans and prices change; check its site before you buy.