How to think about B2B payment resolution service (FixPayment)

Start with the cost of doing nothing

Every aging invoice has a carrying cost. You're financing the customer's working capital. At 8–10% cost of capital, a $50,000 invoice sitting at 120 days past due costs you roughly $1,300–$1,600 in real money. That's before you factor in the hours your team burns on follow-up emails and phone calls.

Most credit managers know this intuitively. The problem is they don't have a clean way to act on it without either writing the debt off or handing it to an agency that will charge nearly half of what's recovered.

That's the core tension a B2B payment resolution service should resolve. You want the cash. You don't want to overpay to get it.

Why the 18% success fee changes your math

FixPayment operates at roughly an 18% success fee — you keep about 80% of what's recovered. Compare that to a traditional agency's 40–45% cut, and the difference isn't marginal. On a $75,000 recovered invoice, you'd keep $60,000 with FixPayment versus roughly $41,000–$45,000 with a conventional agency. That's a $15,000–$19,000 swing on a single invoice.

Here's what matters more than the headline number: the fee is contingent. No recovery, no fee. So you're not paying for the attempt. You're paying for the result. That aligns incentives better than a retainer or a flat fee, because we only make money when you do.

The structure matters for your own cash flow planning too. You can model the worst case — no recovery, no cost — and the upside case with a predictable cost basis.

AI plus humans, not just a dialer and a script

A lot of agencies talk about technology the way restaurants talk about "farm-to-table" — it sounds good, but the execution is inconsistent. FixPayment built its workflows around AI and human judgment working together. The AI layer handles the repetitive parts: tracking payment promises, flagging disputes, surfacing patterns in how a debtor pays other creditors. The human layer handles negotiation, dispute documentation, and the judgment calls that software still can't make.

What does that look like in practice? For aging receivables, the system segments accounts by risk and behavior. A company that always pays 30 days late with a short explanation gets a different treatment than one that's stopped responding entirely. The AI helps your team prioritize where the effort actually pays off, rather than spending equal time on every overdue account.

This approach matters for a specific reason: it keeps the door open for the customer relationship. A resolution service that uses blunt-force tactics might get you paid once, but it can kill the account for future business. FixPayment aims for resolution that preserves the commercial relationship where possible.

Underwriting risk before you extend credit

The best time to resolve an unpaid invoice is before it's ever issued. That sounds obvious, but most credit teams rely on bureau scores that weren't built for B2B dynamics. FixPayment's FP Risk Score offers a different lens — one that looks at payment behavior across a broader set of commercial signals, not just what a consumer credit agency happens to know.

If you're underwriting a new customer or deciding whether to extend a credit limit, the FP Risk Score gives you a data point you didn't have before. It's not a crystal ball, but it's better than guessing based on a handshake and a bank reference.

You can also use it to tier your existing portfolio. Which accounts are drifting? Which are showing early signs of stress? Catching that pattern six weeks earlier lets you adjust terms or start a conversation before the invoice becomes a collection problem.

Payment plans, settlements, and getting to yes

Not every overdue invoice is a deadbeat situation. Sometimes the customer genuinely can't pay the full amount today, but they can pay in structured installments. A good B2B payment resolution service builds those plans in a way that's realistic for the debtor and enforceable for you.

Settlements are another tool. Agreeing to accept 80% of an invoice today might be better than chasing 100% for another six months. The math depends on your cost of capital and the likelihood of collection. That's where the AI-driven risk scoring helps — it gives you a more realistic probability of collection, so you can make settlement decisions based on data, not hope.

Dispute documentation is the quiet workhorse here. If the customer claims goods were damaged or services weren't rendered, you need a paper trail. FixPayment helps organize and present that documentation so a dispute doesn't stall payment for another quarter.

If you're a creditor, there's tooling for that

For businesses that handle a high volume of receivables, FixPayment offers MCP and API tooling. That means you can integrate the resolution workflow directly into your existing AR stack. No portal-hopping, no manual data entry. You push the account data in, and the system handles the workflow, updates you on status, and reports back on outcomes.

The point is reduction of friction. If the tooling makes it easier to start a resolution case, you'll start more of them earlier — and earlier intervention usually means higher recovery rates.

What to look for in a vendor

When you evaluate any payment resolution partner, ask a few direct questions. What's the success fee structure — and is there any hidden cost? What percentage of recoveries do you actually return to the creditor? How do you handle disputes versus simply demanding payment? What compliance framework do you operate under?

The answers will tell you a lot about whether you're getting a B2B payment resolution service or just a traditional agency with a new website.