Payment Reminders for Renovation Contractors

Stop chasing overdue invoices by phone and email. This system monitors Xero for renovation contractors in Singapore and sends polite, escalating reminders on day 7, day 14, and day 30, by email with an optional WhatsApp channel. Setup runs from S$5,000 to S$15,000, in the documented Singapore SME pricing bands.

What it costs

Automation setup fee: S$5,000 to S$15,000
Monthly retainer: S$200 to S$500 per month
For comparison, self-serve whatsapp AI platforms: S$80 to S$270 per month (SleekFlow, WATI, and respond.io self-serve AI agents.)

What it replaces

Payment Reminders replaces manually chasing overdue invoices by email and phone.
For scale, front desk receptionist salary runs S$2,400 to S$2,800 per month.

Which Singapore rules apply

PDPA enforcement in practice. Recent PDPC fines on smaller companies run S$3,000 to S$17,500. The 10% of turnover penalty cap applies only above S$10M turnover. The Data Protection Essentials programme subsidises a setup plus one-year retainer offer.
Do Not Call rules for WhatsApp marketing. The Do Not Call registry covers WhatsApp marketing to Singapore numbers. Consent is required before sending marketing messages on push channels.
GST InvoiceNow timeline. The GST InvoiceNow requirement applies only to GST-registered businesses, phased in waves from April 2028 to April 2031. Free InvoiceNow-ready solutions run until March 2031, with a transitional grant of up to S$1,000.
Security of Payment Act for construction billing. B2B renovation and construction billing runs on progress claims, variations, and retention sums under the Building and Construction Industry Security of Payment Act, not flat invoices.

Why renovation contractors need this

Chasing overdue progress payments
Writing quotes and proposals by hand
Scattered lead enquiries

How it works

Runs on n8n, Xero API, Gmail, WhatsApp Business API.
Monitors Xero for overdue invoices and sends polite, escalating reminders on day 7, day 14, and day 30, by email with an optional WhatsApp channel.

Questions Singapore owners ask

Can I use a government grant to pay for this?

Usually not, and we will tell you straight. Most custom automation work is not grant subsidised. The Productivity Solutions Grant (PSG) only funds pre-approved packaged solutions, and a custom build like this is not one of them. The Enterprise Development Grant (EDG) can fit larger qualifying projects, but only with EnterpriseSG approval, and it rarely fits work at this size. From the second half of 2026 these schemes consolidate into a single EDGE grant. If a project does qualify, we will say so and help you apply. If it does not, we will not pretend otherwise.

Will I pay GST on the project?

It depends on the vendor. A vendor that is not GST-registered adds no GST. A GST-registered vendor adds 9%; a GST-registered client claims that back from IRAS, while a non-registered client absorbs it.

How is pricing structured?

A one-time setup fee plus a monthly retainer. The retainer covers ongoing data pulls, template tweaks, and new conditions as the business changes.