Debt collection software pricing and what collections software costs per month
DebtAgent costs $49 a month for Starter, $149 for Plus, $499 for Pro, and $898 for Enterprise. Pay yearly and save 50 percent. Every plan is a flat fee, never a percentage of what you recover.
A collection agency keeps 15 to 30 percent of everything it collects for you. DebtAgent keeps none of it. See the arithmetic in the agency cost comparison, or read how each finance team runs the agent on our b2b debt collection software use cases page.
Plans and prices
Starter
For owners and AR staff at a small B2B chasing overdue invoices.
billed as $294 yearly
- 100 collection sequences per month
- Up to 50 active debtors
- Automated email cadence, sent and chased on your schedule
- FDCPA guardrails on every touch: contact window, frequency, disclosure
- Payment-promise tracking, one-click mark paid, cadence stops itself
- Timestamped compliance audit log
- No "Drafted by DebtAgent" footer
Plus
For finance teams working a whole aging report, not just the worst offenders.
billed as $894 yearly
- Everything in Starter
- 500 collection sequences per month
- Up to 250 active debtors
- Room for a full aging report, not just the worst offenders
Pro
For collections teams and lenders working a full ledger every month.
billed as $2,994 yearly
- Everything in Plus
- 1,000 collection sequences per month
- Unlimited active debtors
- Priority support
Enterprise
For banks, BNPL, and multi-entity operations that need a contract and a review.
billed as $5,388 yearly
- Every Pro feature, priority support included
- 2,500 collection sequences per month
- Unlimited active debtors
- Compliance review with your counsel before you go live
- Invoicing / ACH billing instead of a card
- Security review and a signed DPA
- Named customer success manager
- Integrations scoped and built with you
Starter
For owners and AR staff at a small B2B chasing overdue invoices.
billed monthly
- 100 collection sequences per month
- Up to 50 active debtors
- Automated email cadence, sent and chased on your schedule
- FDCPA guardrails on every touch: contact window, frequency, disclosure
- Payment-promise tracking, one-click mark paid, cadence stops itself
- Timestamped compliance audit log
- No "Drafted by DebtAgent" footer
Plus
For finance teams working a whole aging report, not just the worst offenders.
billed monthly
- Everything in Starter
- 500 collection sequences per month
- Up to 250 active debtors
- Room for a full aging report, not just the worst offenders
Pro
For collections teams and lenders working a full ledger every month.
billed monthly
- Everything in Plus
- 1,000 collection sequences per month
- Unlimited active debtors
- Priority support
Enterprise
For banks, BNPL, and multi-entity operations that need a contract and a review.
billed monthly
- Every Pro feature, priority support included
- 2,500 collection sequences per month
- Unlimited active debtors
- Compliance review with your counsel before you go live
- Invoicing / ACH billing instead of a card
- Security review and a signed DPA
- Named customer success manager
- Integrations scoped and built with you
Try it once, free: confirm your email and generate up to 10 collection sequences, with no card. The demo does not renew; after that you pick one of the plans above.
Prices are in US dollars, billed through our payment processor. Cancel from the billing portal at any time, with no notice period and no cancellation fee.
Built for a procurement review
Banks, BNPL lenders, and multi-entity collections operations get the controls their security and compliance teams ask for before a single debtor record is loaded.
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Compliance review
Your counsel reads the cadence before you go live
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Audit log
Every touch, allowed or blocked, and why
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Named contact
A customer success manager, not a queue
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DPA & security review
Signed data processing addendum
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Invoicing & ACH
Pay on terms instead of by card
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Integrations
Scoped and built with you, not off a shelf
What a collection agency really costs
Commercial collection agencies charge a contingency fee, commonly 20 to 35 percent of everything they recover on B2B accounts and up to 50 percent on small or aged claims. The table below models the bottom of that band, 20 percent, against DebtAgent's flat annual price. The more you recover, the wider the gap gets.
Which debt recovery platforms offer fixed pricing instead of contingency fees?
DebtAgent bills a flat $49, $149 or $499 a month whatever you recover. Chaser, BILL, Paidnice and InvoiceSherpa are also subscription rather than contingency, though BILL meters per user and InvoiceSherpa adds 1 percent on invoices paid through it. Rocket Receivables ($14.95 to $21.95 per account) and Coast To Coast Financial Solutions (under $10 per account on average) are rare agencies on a fixed fee. Almost every other commercial agency is contingency only.
Published rates of every contingency collection agency card, worked on $3,000 and $10,000 claims, are on a separate page. The full breakdown of agency fee models, minimum balances and when placing an account is still the right call sits on our commercial debt collection agency alternative page, and we compared six US agencies on published fees in the best commercial debt collection agencies.
Swipe to see all 5 columns
| Recovered in a year | Agency fee at 20% | You keep with an agency | DebtAgent, billed yearly | You keep with DebtAgent |
|---|---|---|---|---|
| $10,000 | $2,000 | $8,000 | $294 (Starter) | $9,706 |
| $25,000 | $5,000 | $20,000 | $294 (Starter) | $24,706 |
| $60,000 | $12,000 | $48,000 | $894 (Plus) | $59,106 |
| $150,000 | $30,000 | $120,000 | $894 (Plus) | $149,106 |
| $500,000 | $100,000 | $400,000 | $2,994 (Pro) | $497,006 |
Break-even
$4,470
Recover more than $4,470 in a year and Plus, at $894 billed yearly, already costs less than a 20 percent agency. Starter breaks even at $1,470 recovered.
The honest caveat
A contingency agency costs you nothing if it recovers nothing. DebtAgent charges the subscription either way. If you place two stale invoices a year and nothing else, the agency is the cheaper bet. If you carry a steady book of overdue accounts, the flat fee wins fast.
What agencies still do
An agency can take assignment of a debt, run skip tracing, and refer accounts to litigation counsel. DebtAgent does none of that. It is software you operate on your own accounts, which is exactly why you keep the whole recovery.
Still weighing your options? See the full breakdown on our collection agency alternative page, or how the price compares directly to Chaser and Bill.com.
Which debt recovery platforms offer fixed pricing instead of contingency fees?
Almost every software platform in this category charges a fixed subscription, not a contingency percentage. Contingency pricing comes from collection agencies, which take assignment of the debt and keep 10 to 50 percent of what they recover. So the real question is not flat versus contingency. It is whether you want software you operate yourself, or a third party that collects in its own name and keeps a cut.
The second split matters just as much, and it is the one buyers miss: among the fixed-price tools, some charge per user and some charge per organization. A per-seat price that looks cheap gets expensive the moment your whole finance team needs access.
Agencies have a fixed-price answer of their own, and it is priced per account rather than per month: flat fee debt collection runs roughly $10 to $25 per account placed, charged whether or not the money is recovered. That page sets the published per-account rates against contingency and against a flat monthly subscription, so you can price all three models on your own aging report.
Swipe to see all 4 columns
| Provider | Pricing model | Published US price | Takes a cut of recoveries |
|---|---|---|---|
| DebtAgent | Flat subscription, per organization | Starter $49/mo, Plus $149/mo, Pro $499/mo | No |
| Chaser | Flat subscription, per organization | Compact $259/mo, Core $779/mo, Complete $1,169/mo. With managed "Care" the combined price is $1,199, $2,149 or $2,799/mo | No |
| Paidnice | Subscription per organization, tiered by invoice volume | Essentials $69/mo, Pro $99 to $799/mo, Custom from $999/mo | No |
| Chargezoom | Subscription, payments-led | Free tier, Plus from $95/mo, Enterprise from $995/mo | No |
| InvoiceSherpa | Subscription per organization, tiered by open invoice count, plus a transaction fee | $49/mo up to 100 open invoices, $99/mo for 101 to 500, $199/mo unlimited. Plus 1% on invoices paid through the tool | No, but 1% of invoices paid in-tool |
| BILL | Subscription charged per user | $49, $65 or $89 per user per month, Enterprise price not published | No |
| Gaviti | Usage-based subscription, explicitly not per user | Not published, quoted after a demo | No |
| Centime | Volume-based subscription, explicitly not per user | Not published, quoted after a demo | No |
| Versapay | Subscription, sales-led, midmarket B2B | Not published, quoted after a demo | No |
| Invoiced | Subscription, sales-led | Not published, quoted after a demo | No |
| Quadient AR (YayPay) | Subscription, sales-led, midmarket to enterprise | Not published, quoted after a demo | No |
| Commercial collection agencies | Contingency, tiered by claim size | Commonly 10% to 50% of what is recovered, plus a typical $500 to $1,000 minimum balance | Yes |
| TrueAccord, InDebted | Agency, enterprise contracts | Not published. Sold to lenders, debt buyers and enterprise consumer portfolios | Yes |
Prices verified at each vendor's public pricing page in August 2026. Several vendors publish no price at all and quote only after a demo; where that is the case the table says so rather than repeating the figures that circulate in listicles, which we have not been able to verify at source.
For a feature-level view rather than a pricing-model view, see our roundup of the best debt collection software. For every published figure in this market side by side, including the eleven vendors that publish nothing at all, see the full debt collection software pricing comparison. For the per-user vs per-organization math worked out at 5, 10 and 25 seats, see our per-user vs flat-fee pricing guide, or the full breakdown of what BILL specifically charges on our Bill.com pricing page.
Every plan, side by side
All four tiers share the same compliance engine. What changes is volume, channels, and how much of the operation you can automate end to end.
Swipe to see all 4 plans
| Feature | Starter | Plus | Pro | Enterprise |
|---|---|---|---|---|
| Price billed yearly (per mo) | $24.50 | $74.50 | $249.50 | $449 |
| Price billed monthly | $49 | $149 | $499 | $898 |
| Cut of what you recover | None | None | None | None |
| Collection sequences / month | 100 | 500 | 1,000 | 2,500 |
| Active debtors | 50 | 250 | Unlimited | Unlimited |
| Channel | ||||
| Automated cadence scheduling | Included | Included | Included | Included |
| FDCPA guardrails on every touch | Included | Included | Included | Included |
| Compliance audit log | Included | Included | Included | Included |
| Payment-promise tracking and auto-stop | Included | Included | Included | Included |
| "Drafted by DebtAgent" footer | Removed | Removed | Removed | Removed |
| DPA & security review | On request | On request | On request | Included |
| Support | Priority | Named customer success manager |
Every tier keeps the same rule. DebtAgent is a flat monthly fee, not a percentage of what it recovers. For the disclosures every message must carry, read our guide to FDCPA-compliant collection letters.
Questions before you buy
The objections finance and compliance teams raise first, answered plainly. To watch the agent work on a real balance, try the debt collection software demo on the homepage.
Are there affordable options for automated debt collections?
Yes. DebtAgent automates collection of your own overdue invoices for a flat $49 a month (Starter, 50 active debtors), $149 (Plus, 250) or $499 (Pro, unlimited), with no percentage of what you recover. Most automated collections platforms publish no price at all, and a collection agency typically keeps 15 to 30 percent, or 50 percent on small or aged accounts.
Is this legal?
Yes. Collecting a debt you are owed is lawful, and using software to do it is lawful. DebtAgent is a tool you operate: you remain the creditor or the collector of record, and the agent sends only messages you have reviewed and approved. It never threatens litigation, never claims to be a law firm, and never generates harassing language. DebtAgent is not a collection agency and does not provide legal advice.
Is it FDCPA compliant?
It is built to be. Mandated debt disclosures, the seven-contacts-in-seven-days frequency cap, permitted contact-time windows, dispute handling, and cease-communication requests are enforced by the cadence engine rather than left to you to remember. Regulation F rules are applied per message, and every decision the engine makes, allowed or blocked and why, is written to a compliance audit log you can read in the app. Compliance also depends on how you use the tool, so you stay responsible for the accuracy of the balances you load.
Do you take a cut of what I recover?
No. DebtAgent charges a flat monthly subscription and nothing else. There is no contingency percentage, no per-recovery fee, and no success fee. You keep 100 percent of every dollar collected. A collection agency typically keeps 15 to 30 percent of the same money.
What happens if the debtor disputes the debt?
The cadence stops automatically. When a debtor disputes, DebtAgent pauses every scheduled step for that debt, flags the account as disputed, and logs the request with a timestamp. Collection cannot resume until you supply verification of the debt, which is what Regulation F requires. The same automatic stop applies to a cease-communication request, and both events land in the audit log.
Can I try it before I pay?
Yes, once. The generator on the app page drafts a compliant reminder and a full cadence with no signup. Confirm your email and you get a one-time free demo of 10 collection sequences in total, with no card. The demo does not renew, and there is no free plan to stay on. When it is used up, you choose Starter, Plus or Pro.
Can I cancel?
Yes, at any time, from the billing portal inside your account. There is no contract, no notice period, and no cancellation fee. A monthly plan stops at the end of the current period. A yearly plan runs to the end of the term you paid for. Your debtors, sequences, and audit log stay readable in the app until then.
Does the agent actually send messages, or just draft them?
It sends. The agent runs the full cadence for you by email, on schedule, inside compliant contact hours, and stops itself the moment the debtor pays, disputes, or asks us to cease contact. That is the difference between DebtAgent and an accounts-receivable tool that only drafts a reminder for you to send by hand. Email is the only channel we send on today.
Is my data, and my debtors' data, secure?
Debtor records are encrypted in transit and at rest, each account sees only its own data, and every plan keeps an audit log of what was sent and when. Enterprise adds a signed Data Processing Addendum and a dedicated security review. A DPA is available to any customer on request.
Do I need to connect my accounting software to start?
There is nothing to connect. You work from the aging report you already run: add the overdue accounts in the browser and the agent takes it from there. Nothing is migrated and your accounting system stays the system of record.
Something not answered here? Email [email protected] and a human replies.
Try it before you pick a plan
Generate a compliant reminder and a full cadence in the browser, with no card and no signup. Choose a plan when you are ready to launch a live sequence.