B2B AR software—not another collection agency desk
Tired of handing unpaid commercial invoices to agencies that take a huge cut and own the customer relationship? FixPayment gives your team the portal, AI triage, and training to recover more—under your brand.
Typical agency vs FixPayment
| Topic | Traditional agency | FixPayment |
|---|---|---|
| Who works the account | Agency collectors | Your trained team (default) |
| Brand to the customer | Often the agency | Yours / creditor-controlled |
| Fee model | Often ~25–45% contingency | Subscription first; optional ~18% |
| Scope | Often consumer + commercial | B2B / commercial invoices |
| Compliance posture | Licensed collector model | Software + creditor responsibility |
Why creditors switch
- Keep the customer relationship while getting paid
- AI prioritization + playbooks that train your staff
- Documented disputes, cease flags, and audit trails
- API / MCP so ops and AI assistants can work accounts safely
- Optional contingent fees that undercut typical agency take-rates
When a collection agency still makes sense
Not every account belongs in your portal. Truly abandoned consumer debt, judgments that need a licensed collector, or portfolios you have already written off may still fit a traditional agency. FixPayment is a collection agency alternative for B2B unpaid invoices you still care about — commercial receivables where brand, documentation, and keeping ~80% of recovered cash matter more than handing the file away.
Compare fee math on the unpaid invoice recovery page. For underwriting before you extend terms, see FP Risk Score. For TrueAccord / HighRadius / InDebted style comparisons in long form, the FixPayment blog covers success-fee vs agency tradeoffs in more detail.
What “in-house recovery” needs to work
- One source of truth — aging, notes, promises-to-pay, and dispute status in a single creditor portal.
- Triage — humans should not pick invoices at random; AI or rules should surface the next best account.
- Playbooks — what to say at 7, 30, and 60 days past due, including when to offer a plan.
- Hard stops — cease and dispute flags that actually pause outreach.
- Clear pricing — subscription for software; optional success fee only when you enroll an account.
Is FixPayment an alternative to agencies like PRA or Midland?
Those firms are primarily consumer debt collectors. FixPayment is built for commercial / B2B receivables as creditor software. If you were comparing agency contingency for unpaid invoices, treat FixPayment as a software + training path—not a drop-in licensed collector replacement for consumer portfolios.
Is FixPayment “100% FDCPA compliant”?
No—and we don’t claim that. There is no FTC badge for “FDCPA compliant” software. We provide dispute pauses, cease handling, and educational rights pages. You remain responsible for lawful outreach and any licenses you need. Complaint volumes against other companies change over time; check the CFPB complaint database for current figures.
How do fees compare?
Agencies commonly take a large share of recovered cash. FixPayment leads with platform subscription. Optional success fees (~18% on enrolled recoveries) or No Recovery, No Paid (~5% for ≤30 days past due) are available when you opt in. Prefer software you control over handing every invoice to an agency.