Credit control software with CreditSafe: how Trove connects it to Xero (2026)

Facts checked June 2026.

If you already use CreditSafe to check customers, the gap is usually the same one: the invoices live in Xero, the credit data lives in CreditSafe and the chasing lives somewhere else (often your email), so the three systems don’t talk. Trove connects CreditSafe to your Xero account, so credit checks happen as part of your day-to-day collections instead of as a separate job you have to remember to do.

The problem with checking credit scores separately

Running a credit check is easy. Remembering to run it at the right moment is the hard part.

Often, credit checks are only remembered when things are already going wrong. A customer’s email starts bouncing, you realise they have a significant number of unpaid invoices and check their credit rating - only to find it’s not looking good.

The fix is to stop treating credit checking as a separate task but instead do automatic checks triggered by the things already happening in your accounting system: a new customer appearing, an overdue balance above a certain threshold, an invoice more than a certain number of days old, a bounced email.

How Trove integrates with your CreditSafe account

Trove brings CreditSafe and Xero into one place, then uses the activity in Xero to trigger the right check at the right time. Here are three common ways finance teams use the combination:

A new customer appears in Xero, Trove prompts you to check them. When a new customer shows up in your Xero account, Trove flags it and lets you pull a CreditSafe report on them right there - no separate login, no copying company details across. You check credit before the risk is on your books.

You set up continuous monitoring in CreditSafe, Trove pulls the changes in. If you have CreditSafe monitoring running, Trove brings any changes into your dashboard. This surfaces a downgrade or a shift in a customer’s risk next to your receivables. You see “this customer should probably be on a lower limit now” and can take action.

A customer goes past an overdue threshold, Trove checks CreditSafe proactively. When a customer’s overdue balance crosses a level you set, Trove can run a CreditSafe check automatically.

The thread through all three: something happens in Xero which could signal a change in credit risk. This triggers a check in CreditSafe so you can proactively check the data.

What the Trove x CreditSafe integration costs

Trove’s CreditSafe integration is included in all Advanced Plans or can be added to other plans as a paid add-on (£99 per month). CreditSafe charges separately for the API requests on the reports and that cost depends on how many you pull.

A note if you’re comparing credit checking tools

Plenty of credit control tools include some form of credit data - either something like Experian or their own credit database. For the wider market, see our credit control software comparison and the 2026 guide to choosing credit control software.

FAQ

Does Trove integrate with CreditSafe?

Yes. Trove connects your CreditSafe account to Xero, so you can pull CreditSafe reports on your customers and have checks triggered automatically by activity in Xero.

Can Trove check a new customer’s credit automatically?

When a new customer appears in Xero, Trove flags them and lets you run a CreditSafe report straight away, so you can check credit before you start extending terms.

Can Trove react to CreditSafe monitoring changes?

If you’ve set up continuous monitoring in CreditSafe, Trove pulls those changes into your dashboard so shifts in a customer’s risk show up alongside your receivables.

Can Trove run a credit check when a customer goes overdue?

Yes. You can set an overdue balance threshold, and when a customer crosses it, Trove can run a CreditSafe check so you have a current risk view before deciding how to escalate.

Does the CreditSafe integration cost extra?

The integration is included in your Trove plan. CreditSafe charges separately for the reports you pull, based on volume.