Changelog

September 22nd, 2026 - Live system status page

Sawfish now publishes a public status page at sawfish.com.au/system-health, with live health checks across the platform and 90 days of history. Bookmark it - if something ever looks off on your end, check there first.

September 16th, 2026 - Direct debit fallback, payout reconciliation & agreement upgrades

Direct Debit

• PayTo falls back to Direct Debit. When a customer’s bank doesn’t support PayTo or an agreement is declined, collection continues by direct debit - no re-signing, no chasing.
• Customers receive a Direct Debit Request (DDR) document, and the DDR is kept with the invoice record.
• Direct debit fees mirror your PayTo fees.

PayTo

• PayTo agreements are validated and created with the bank immediately as part of signing, with an automatic safety net when an agreement is rejected.

Payout reconciliation

• Batch payouts - settle each payout as a single batch rather than per transaction.
• Xero clearing account - Sawfish payments post to a clearing account in Xero and are matched against payouts, so bank reconciliation is one line per payout.

Agreements

• Choose the signatory - pick which of the client’s contacts signs the agreement.
• Signed agreements are emailed as a PDF copy once signing completes.
• Voided draft agreements can now be deleted.

Also in this release

• Tap to Pay receipts are emailed to the customer on completion.
• Xero: connect during signup, a connection health page, a sync log, and cleaner handling of archived contacts and disconnects.

September 8th, 2026 - New dashboard, statements & Point of Sale

Dashboard

The dashboard has been rebuilt around configurable widgets - choose which widgets appear, arrange your own layout, and set the date range. Layouts are per user, so everyone on the team sees the view that suits their job.

Monthly statements

• A statement email summarises everything a client has outstanding, with a link to their batch payment page so it can all be paid at once.
• Schedule statements monthly (you choose the day), or send one on demand from the client record. Off by default; clients with nothing outstanding are skipped.

Point of Sale

• A new Point of Sale Operator role: mobile-only, limited to invoices, a keypad, and Tap to Pay - a register login without access to your business data.
• Keypad sales automatically create an already-paid, GST-inclusive invoice against your nominated counter-sales client.

Invoicing & payments

• Payment Plans on agreements - turn a total owing into an optional deposit plus a generated repayment schedule.
• Automatic late fees - overdue invoices accrue your configured late fee once the grace period passes.
• Early payment discounts apply at payment time, now including Apple Pay and Google Pay payments.
• Invoice PDF polish: consistent headers and ABN formatting.

August 28th, 2026 - Identity verification, two-way SMS & global search

Identity verification

• Account holders verify their identity during onboarding with a photo ID, with paths for trusts, partnerships, and signed declarations where the business register can’t confirm authorisation automatically.
• Verification only gates payouts - invoicing and payments work immediately, and funds pay out once verification completes.

Two-way SMS

• Clients can reply to your SMS messages. Replies appear on the invoice’s activity log, notify opted-in team members by email, and a Reply button continues the conversation from the invoice.

Search & sign-in

• Global search across clients and invoices, with client context in the results.
• 2FA trusted devices - skip verification codes on devices you’ve trusted.

Invoicing

• Choose each invoice’s recipients - control exactly who receives an invoice’s emails.
• Move an unpaid invoice to a different client.
• Xero payment backfill imports historical payments, and MYOB payment mirroring keeps payment records aligned both ways.
• Invite management for your team - see, resend, and revoke pending invitations.

August 13th, 2026 - Device screening and widget 1.0.16

API

processPaymentRequest accepts two new optional fields for fraud screening on card payments:

• zai_device_id - a device fingerprint captured from the payer’s browser.
• ip_address - the payer’s IP address; defaults to the requesting IP when omitted.

React Payment Widget

Version 1.0.16 of sawfish-payment-react-widget:

• Modes - alongside the default payment mode, card-retrieval tokenises a card without charging it and payment-card-retrieval does both, enabling server-side charges later via card_account_uid.
• Device capture - onPaymentSuccess and the new onCardAccountCreated callbacks receive { deviceId, ipAddress } to pass through to processPaymentRequest.
• Customisation - title, submitButtonText, customStyles for per-element styling, renderSubmitButtons to replace the submit button, and an onConfirm veto hook.

July 31st, 2026 - CreditGuard monitoring, team access controls & agreement recovery

CreditGuard

Ongoing credit monitoring for your clients, not just a one-off check.

• Daily monitoring alerts. When a monitored client’s credit position moves, Sawfish emails your organisation with what changed and how serious it is. Alerts also appear on your dashboard and on the client’s record.
• Per-user email control. Each team member can opt out of CreditGuard alert emails from their team profile - monitoring keeps running, only their notifications stop.
• Downloadable credit report. Generate a PDF credit report for any client from the credit score tab.
• Clearer risk grading. Client risk is presented on an A1-F scale with a redesigned gauge and score history chart.
• Refresh and re-run. Refresh a client’s credit data once a check completes. If a paid check returns blank data, you can re-run it at no extra cost.
• Filter your client list by credit check and credit monitoring status.

Team & access control

• User access controls. Manage what each team member can reach, with the account holder’s role protected from edits.
• Organisation access is now enforced on every request. If you’re removed from an organisation, access ends immediately rather than lasting until you switch away.
• A clear blocked state replaces confusing empty screens when you no longer have access to the organisation you were viewing.
• Team management fixes - accurate member status and a working remove-from-team action.
• Joining a team now collects your first and last name, and password reset emails send reliably.

Agreements

• Update the payment method on an active agreement. If a scheduled payment fails, the payment method can be corrected without re-issuing the agreement.
• Client View is always available in the agreement admin, not only before sending.
• Fixed an agreement client view that could not be scrolled.

Invoicing & email

• Choose which team members receive the invoice-paid notification.
• Description-only line items are allowed when editing an invoice.
• System emails now use consistent Sawfish branding, with layout fixes for Gmail.
• PayID payments register under the organisation’s name rather than the client’s.

July 7th, 2026 - Invoice discounts, voiding & smarter approvals

Discounts

• Per-line discounts on invoices, entered as either a fixed amount or a percentage.
• Discounts appear on the invoice PDF, both downloaded and emailed.
• Line-item discounts are supported in the accounting API for integration partners.

Invoice actions

• Void an invoice through a dedicated action that also voids it in Xero.
• Delete draft invoices and void pending ones from the invoice header menu.
• Approve dropdown replaces the single “Approve and Send” button, so you can approve without sending. Sawfish tells you when an approved invoice won’t auto-send because today’s scheduled time has passed.
• Re-send invoices that have already been approved.
• Manage attachments while editing an invoice.

Invoice editing

• Editing an invoice now opens a real edit screen that keeps the invoice’s actual status instead of reverting it to draft.
• Line-item descriptions are multi-line and grow with their content.
• Negative line amounts are supported.
• Due dates fill in automatically from the selected client’s payment terms.

Elsewhere

• Card payments moved to hosted payment fields, so card details never pass through Sawfish.
• Detailed invoice PDF layout applies to the “detailed” template.
• Batch payment invoice numbers are clickable, and the payee and description show in your transactions list.
• Contacts can be flagged to be included in all email communications.
• Timeline entries show the payment method used, and all times display in your local timezone.

June 19th, 2026 - A new look for Sawfish, plus wallet payments

Rebrand

Sawfish has been redesigned to match the new Sawfish brand - new typography, a warmer background, and a refreshed button and card system throughout the app.

• Redesigned dashboard with reworked summary cards and evenly sized widgets.
• Redesigned settings, client and invoice screens.
• Responsive throughout. A collapsing top navigation, mobile list cards, and mobile layouts for agreements, invoices and batch payments.
• Browser tab titles now name the page, invoice or client you’re viewing.

Apple Pay & Google Pay

Customers can pay invoices with Apple Pay or Google Pay, alongside card, PayID, PayTo and bank transfer.

Dashboard & payments

• Credit Limit Tracking widget with CSV export.
• Payouts - view all payouts in a popup from the dashboard, and see your wallet balance on the payments page.
• Clicking a payment row opens the related invoice.
• Payment method icons and labels across payments, including Windcave Tap to Pay.

Reminders & messaging

• Insert email and SMS variables at the cursor position while editing a reminder.
• Choose SMS recipients from client contacts or enter a number manually.

Administration

• Super admin area with organisation impersonation, organisation editing, and read/edit screens for transactional fees, funding rates and the risk matrix.

May 15th, 2026 - Tap to Pay on iPhone

Take contactless card payments directly on an iPhone - no card reader required.

• Register your device from Settings, then accept payments against any invoice.
• Tap to Pay opens straight from a push notification, even if the app has been closed.
• Receipts are issued on completion.
• Available on iPhone, powered by Windcave.

Signing in

• Biometric sign-in on mobile, with sessions that stay valid for longer so you sign in less often.
• Two-factor codes submit automatically once all six digits are entered.

March 27th, 2026 - Batch payments, online agreements & invoice reminders

Batch payments

Customers can settle several outstanding invoices in a single payment.

• Pay by credit card, PayID or PayTo.
• Access is protected by an emailed access code.
• Batch payments sync to Xero and MYOB, and appear in your transactions list.

Agreements

• Public agreement review and signing - customers open, review and sign an agreement online.
• Customers add a payment method as part of signing, with PayTo validated before the agreement is signed.
• Ongoing agreements validate their end date, and expiry is only applied to agreements that have actually been sent.

Invoice reminders

• Automated invoice reminders by email and SMS.
• Reminder content is editable per organisation.

Also in this release

• Void an invoice and have the change reflected in your accounting system.
• Control manual asset syncing from Xero and MYOB.
• Public invoice, agreement and batch payment pages were hardened to return only the information needed to display them.

January 30th, 2026 - Client self-onboarding & instant payouts

Client self-onboarding

Invite a client to confirm their own details instead of chasing them yourself.

• Send an onboarding invitation from the client record.
• The client completes a guided form covering their organisation details, additional contacts, and requested payment terms and credit limit.
• Review what they changed side by side against your current record, then approve to apply it.
• Both you and the client receive confirmation once onboarding is complete.
• A banner on the client record tracks invitations still outstanding.

Payouts

• Instant payouts - request a payout on demand rather than waiting for the scheduled run.
• Payout runs now happen twice daily.
• Weekly payout reports, with control over which email addresses receive them.
• Top-up history is included in your organisation usage view.

Also in this release

• Contracts return an expiry flag so expired agreements are clearly identified.
• Public invoice links are protected by signed URLs.
• Client search covers non-customer clients.
• Credit limits are captured when creating a client.

January 8th, 2026 - [Widget] Description and failed reason

The payment form now accepts a description field, which is stored as a string in the Sawfish dashboard. This helps match transactions with work orders, purchase orders, or invoices.

When a credit card payment fails, the end user receives a friendly message, while more detailed error information is saved against the failed transaction in the Sawfish dashboard.

November 20th, 2025 - Updates to Agreements, Invoicing & Payments

Agreement Preview Before Sending

Organisation users can now preview an agreement before issuing it to a customer.

• A new Client View mode has been added.
• Only logged-in organisation users can access this preview before the agreement is sent.
• Ensures formatting, content, and branding appear correctly prior to delivery.

Email Reminder Preview

A new preview experience is available for email reminders.

• A Preview button has been added under Invoice Settings → Email Editor.
• Opens a separate window showing a full email layout.
• Displays the organisation’s logo and branding.
• Variable fields remain static, but layout and styling are fully visible.

Transaction Recording Enhancements

• Any transaction recorded in Xero or MYOB is now automatically added to the corresponding Sawfish transaction.
• Supports both cash and bank transactions.

Timeline Updates

• Improved how notification information appears in the timeline, especially for resolved items.

Invoice Number Generation

• Enhanced logic for generating the next invoice number to ensure more reliable sequencing.

Payment Method Controls & On-Charge Fees

• Added enable/disable options for Credit Card, PayTo, PayID, and Bank Transfer.
• Added on-charge fee support for Credit Card, PayTo, and PayID.
• Credit card on-charge fees can now be set per card type: Visa, Mastercard, and Amex.

Agreement Creation Improvements

• Contact details can now be updated during agreement creation.
• Updates sync directly to Xero and MYOB.