Then 2% of what we collect — never more than $349 a month. No card to start. No contract. Cancel anytime.
Say you're owed $43,218 and $19,340 of it is more than 30 days late — the business in our example up top. If Recoup collects every late dollar,2% would come to about $387 — but your bill caps at $349. If we collect half, it's $193. If we collect nothing, it's $0.
For scale: most traditional collections agencies keep 20–50% of what they recover. Recoup charges 2% — and your first 15 recoveries are free.
A feedback survey, a review on a B2B software site, a referral, or a case study — each one cuts your take rate, from 2% down to as low as 0.5%. We'd rather earn a lower rate from a customer who tells us the truth than a higher one from a stranger.
Read-only connection. We can't change anything in your books — see the trust page.
Nothing is sent until you say so. The agent can earn autopilot over time — and even then, only if you choose to let it.
Every message is re-checked against your ledger at the moment of sending.
Your customers see your name, a clear balance, and one calm way to pay — bank transfer or card.
Every draft, send, reply, and payment, logged and visible.
No contracts, no retention flows. Cancel and sending stops immediately.
Only invoices that were already 30 or more days late when Recoup started chasing them, and only when the money actually arrives. Invoices that get paid on their own, current invoices, and anything we don't collect cost you nothing.
The first 15 late invoices Recoup recovers for you are completely free — no card on file, nothing owed. It's how you find out what Recoup is worth before paying anything. The 2% starts on recovery number 16.
Most traditional collections agencies keep 20–50% of what they recover, and comparable AI collections agents typically charge 10% or more. Recoup charges 2%, capped at $349 a month — and texting your customers and the payer portal are included on every account, not sold as add-ons.
Tell us what's working. A feedback survey, a review on a B2B software site, a referral, or a case study each cut your take rate — from 2% down to a floor of 0.5%. It's in your rewards page once you're set up, and the discounts stack.
Negotiator Mode works the invoices that were headed to write-off — 120+ days overdue, where ordinary chasing already ran its course. Settling one of those recovers money you'd most likely never see, so the fee on that recovered amount is 5% instead of 2%. You set the floor the agent can accept, you approve every offer before it sends, and the fee only applies to what's actually collected. Everything still counts toward the same $349 monthly maximum.
Separate and small, like any way of taking payment: when your customer pays through a Recoup link, bank transfer costs 0.5% capped at $15, card costs 0.4% plus the card processor's standard rate. Your customer is never surcharged, and invoices paid outside Recoup carry no processing fee at all.
Your bill stops at $349 in any month, no matter how much Recoup collects. If you hit that cap two months in a row — or you're chasing more than about 150 invoices a month — we'll suggest Shop: a flat $349 a month with no per-recovery fees at all. Since the flat price equals the cap, Shop can never cost more than a capped month; it just makes the bill boring.
Anytime. Sending stops immediately, and you only owe the fee on what was already recovered. No calls, no retention flow.
Run multiple locations or entities? Multi-entity support is on the way — email hello@recoup-ai.comand we'll tell you when it's real, not before.
Leave your number and we'll call you once to walk through how Recoup works on your books — no pitch deck, no follow-up sequence. Fair warning, honestly given: the voice on the line may be our AI assistant.