Payment experts with the power of AI
Tired of handing unpaid invoices to agencies that take a huge cut and own the customer relationship? FixPayment puts payment experts with the power of AI on the file to resolve disputes and fix payment issues, so you keep the relationship and more of the cash, from businesses and from people.
Typical agency vs FixPayment
| Topic | Traditional agency | FixPayment |
|---|---|---|
| Who works the account | Agency collectors | Payment experts with the power of AI |
| Brand to the customer | Often the agency | Yours, with our team on the file |
| Fee model | Often ~25–45% contingency | Subscription first; optional ~18% |
| Scope | Often consumer + commercial | Businesses and people |
| Compliance posture | Licensed collector model | Payment experts with the power of AI |
Why creditors switch
- Keep the customer relationship while getting paid
- AI prioritization, and our team works the next best account
- 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 with a traditional agency. Judgments that need a licensed collector, or portfolios you have already written off, may still fit that model. FixPayment is a collection agency alternative for unpaid invoices you still care about: our team works balances owed by a business or a person, where the relationship, 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 this recovery includes
- One source of truth: aging, notes, promises-to-pay, and dispute status in a single creditor portal.
- Triage: our team does not work invoices at random. AI surfaces the next best account.
- Playbooks: what we 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: you see the work. Optional success fee only when you enroll an account.
Is FixPayment an alternative to agencies like PRA or Midland?
Those firms are primarily large-scale debt buyers. FixPayment is payment experts with the power of AI, resolving disputes and fixing payment issues on unpaid balances from businesses and people. If you were comparing agency contingency for unpaid invoices, treat FixPayment as the team that works the file with you, at a lower fee.
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 Fee (~5% for ≤30 days past due) are available when you opt in. Prefer our team on the file over handing every invoice to an agency.