Frequently asked questions

What is FixPayment?

• Payment experts with the power of AI, helping resolve disputes and fix payment issues.
• We don't give up: follow-up, plans, settlements, and disputes until it is resolved.
• A portal so you can see every step.

Who can you collect from?

• Anyone who owes you money: a business or a person.
• Place commercial invoices, consumer balances, and individual accounts.
• Business accounts: our resolution team follows up on your behalf.
• Consumer accounts: every message goes out in your name, from you.

Are you a debt collection agency?

• Consumer accounts: no. You stay the sender. Every reminder and letter goes out in your name, and FixPayment is only your payment and messaging platform.
• Business (B2B) accounts: our resolution team contacts your business customers on your behalf and names you as the party owed.
• We never buy or own your accounts unless you accept a buyout offer.
• Every message is friendly: payment plans, disputes, and no threats.
• You keep the customer relationship. We stay on it.

Who sends the demand letters?

• Business (B2B) accounts: letters come from the FixPayment resolution team.
• Consumer accounts: letters come from you, the creditor, in your own name. FixPayment prepares them and processes the payments.
• Every letter is friendly and offers a payment plan and a way to dispute the balance.
• Digital: sent by text with a secure pay link, and by email on request.
• Physical: we print and mail the letter for you on request.

Are you based in the USA?

• No.
• Our team is based in India, Pakistan, the Philippines, Mexico, and Uruguay.
• Working from outside the USA is what improves recovery.

Can you do a buyout?

• Yes. Buyout is not available on day one.
• Start on No Recovery, No Fee (5%, only if the account is 30 days past due or less), Pay-Per-Hour ($5–9/hr), or the Success Fee (18%).
• After 3 months on those models, your contracts become eligible for Disputed Contract Buyout.
• A freeze pauses buyout. While the account is frozen, buyout is off, and the 3 months start again from the unfreeze date.
• Once eligible, mark the disputed contract as buyout.
• We underwrite it and send a cash offer that lasts 24 hours.
• If you accept, you get cash now at a negotiated discount and the resolution risk leaves your books.
• You also agree not to contact that customer about the contract for 30 days.

How does pricing work?

• Platform subscription and usage for the software.
• Optional coaching hours.
• Early-delinquency No Recovery, No Fee: about 5% of amounts recovered.
• Success fee: about 18% of amounts recovered on enrolled accounts.
• Customer payments settle to you or your payment processor.
• Platform fees are billed to you separately.

How is FixPayment different from a traditional agency?

• Agencies typically contact debtors as third-party collectors and take a large contingency.
• You keep the customer relationship.
• Payment experts with the power of AI, who don't give up on the account.
• You can choose lower contingent fees.
• You get an audit trail instead of a black-box collections desk.

Who should I contact for help?

• Email support@fixpayment.org.
• Use the contact form on the site.
• Creditors can also use the portal for account-level support.

Can we file a lien on an unpaid commercial invoice?

• Yes, when you need a public UCC filing on commercial receivables.
• Filing and release are available in all 50 states.
• This is not legal advice.
• See how lien filing and release work