Unpaid invoice recovery software—without the 40% agency cut

Optional fee math (when you choose success fee)

On a $10,000 recovered invoice under an optional success-fee enrollment:

• Traditional agency at 40%: you keep $6,000
• Optional FixPayment success fee at 18%: you keep $8,200
• Difference: $2,200 more cash back to your business

Day-to-day, most creditors should compare software subscription + trained staff to agency outsourcing—not only contingency rates.

What recovery on FixPayment includes

1. Triage aging AR — prioritize invoices by age, amount, and likelihood of payment.
2. Documented follow-up — professional outreach your team runs, with audit trails.
3. Payment plans that finish — structured schedules instead of endless “next week.”
4. Settlement options — when a partial recovery beats a total write-off.
5. Dispute paths — pause outreach and document contested balances.
6. Commercial liens — file UCC-1 financing statements and release them when the invoice is paid. Continuations are tracked before the five-year lapse.

Tools: payment plans, settlements, disputes, lien filing.

Agency outsourcing vs FixPayment

See agency alternative comparison and FAQ.

Who this is for

• SMB owners with stuck commercial receivables
• Finance / AR teams who need capacity without a full collections hire
• Services, healthcare vendors, trucking, and B2B SaaS billing leads
• Creditors who want underwriting signal — FP Risk Score

How unpaid invoice recovery usually fails

Most B2B write-offs are not “bad debt” in the abstract — they are process failures. Invoices sit in a shared inbox. Follow-ups stop when the owner gets busy. A payment plan is agreed verbally and never documented. A dispute arrives and outreach continues anyway, which burns the relationship and creates audit risk.

Traditional collection agencies solve capacity by taking the account away from you. That can work for dead consumer debt. For commercial customers you still want to sell to, it often costs more than the contingency fee: you lose control of tone, timing, and the relationship. The math on a $10,000 recovery at 40% is obvious; the quieter cost is the customer who never comes back.

Unpaid invoice recovery software flips that model. Your team stays on the account. AI triage ranks aging AR so humans work the right invoices first. Playbooks and audit trails make follow-up repeatable. Optional success-fee plans (~18%) align cost with cash recovered when you want contingent pricing — without making contingency the default for every invoice.

A practical recovery sequence

1. Confirm the invoice is collectible — delivery proof, PO match, and no open dispute before you escalate tone.
2. Run structured dunning — short, professional reminders with clear amounts and due dates, logged in one place.
3. Offer a plan early — a finished payment plan beats an endless “next week” promise.
4. Pause on dispute — stop outreach, document the claim, and reopen only when the balance is clear.
5. Decide settle vs continue — partial recovery can beat a total write-off when time value of money matters.

FixPayment is built around that sequence: triage, documented follow-up, plans, settlements, and dispute paths — see the agency alternative comparison if you are deciding whether to outsource or keep recovery in-house.

FAQ

How much do collection agencies charge?

Most traditional agencies take roughly a quarter to nearly half of recovered dollars. That is why “recovery” can still feel like a loss.

What does “no recovery, no fee” mean?

On an optional success-fee enrollment, if nothing is recovered on that invoice, you do not pay the success fee for that recovery. Platform subscription is separate.

Can I integrate FixPayment with my stack?

Yes — see the REST API and MCP for creditors, plus Claude for creditors.

Next step

Put AR recovery tools in your team’s hands—and keep more of what you recover.