The Problem: Money Stuck, Cash Flow Blocked
Outstanding receivables are killing your business. Here's what you're facing:
Cash Flow Crisis
Outstanding invoices are hurting your cash flow. You need that money to grow, but it's stuck with customers who won't pay.
Wasted Time
Your team spends hours on follow-ups, calls, and emails. Time that should be spent on growing your business is lost chasing payments.
High Agency Costs
Traditional agencies charge 40-45% of resolved payments. That's almost half your money gone before you see a penny.
Compliance Risks
Aggressive tactics can damage relationships and create legal problems. You need professional, compliant solutions.
Low Resolution Rates
Most agencies have low success rates. You pay high fees but still don't get paid. It's a lose-lose situation.
No Guarantees
You pay upfront fees, commit to long contracts, and still might not resolve anything. There's no safety net for you.
Get paid without handing AR to an agency
Cash back in your account — plans, settlements, disputes, and liens we file in every U.S. state.
Professional Experts
AR software for creditors—not a traditional debt collection agency. Keep relationships while resolving unpaid invoices with documented workflows.
Around-the-clock recovery
Your team recovers around the clock: AI ranks invoices, playbooks run the follow-ups, and you keep the relationship.
Engineering-Grade Integrations
Your stack runs payment resolution: MCP and API so systems and assistants can create accounts, update statuses, and run production reports safely.
Flexible Pricing
Platform subscription and usage options, plus optional success-based fees. Prefer software you control over handing receivables to a traditional agency.
Built for Oversight
Ethical, documented workflows with audit trails and dispute pauses. Creditors stay responsible for their own legal compliance.
We file liens in all 50 states
Pay as you go, no contracts. We file the commercial UCC lien for you in any U.S. state — and we release it when the invoice is paid. How lien filing works.
Aligned Incentives
Optional success-fee plans: no recovery, no success fee. Software subscription keeps tools available whether or not a given invoice pays.
Recover more with the team you already have
Playbooks in the portal — plus MCP so Claude, ChatGPT, or Gemini can place accounts, check status, and run reports from a normal chat.
Workflow automation
Email, SMS, and call scripts your team can run from the portal—scheduled and logged for audit trails.
Intelligent prioritization
Your team spends time where recovery is most likely — invoices ranked by likelihood to pay.
Playbooks & training
Your staff knows the next move: negotiation playbooks and in-product coaching, without outsourcing collections.
Chat assistants via MCP
One API key from your creditor profile. Add FixPayment MCP to Claude, ChatGPT, or Gemini — then ask in plain English. No separate MCP key.
As easy as asking ChatGPT
Connect once. After that, your assistant can create accounts, look up balances, open reports, and score risk — the same actions you’d click in the portal, from chat.
Try saying
“Show me FixPayment accounts over 60 days past due and rank which to work first.”
“Create a reminder account for INV-2026-0042 — Jane Smith, balance $1,250.”
“Ping FixPayment and tell me my plan, creditor ID, and which tools I can use.”
Works with Claude, ChatGPT, Gemini, and other MCP-capable assistants. Same key as the REST API — see the guide for copy-paste prompts.
How FixPayment Works
Three steps to put AR recovery software in your team’s hands:
Sign up as a creditor
Create your portal account. Confirm B2B-only use and the creditor software terms—then start adding commercial invoices.
Upload invoices & train your team
Import accounts, attach contracts, and use AI triage plus playbooks so your staff knows what to do next.
Recover with tools you control
Run reminders, plans, settlements, and commercial liens in the portal. We file UCC-1s for you in all 50 states — pay as you go, no contracts. Prefer platform subscription—or optional success fees when you want aligned incentives.
Or CC the thread — keep control of outreach
Add the platform for triage—your team stays in control of outreach
Bill not paid?
When a commercial invoice is past due, add the platform to the thread:
CC the platform on your existing email with the customer. That’s it.
Next steps in the thread
Next steps, docs, and workflows land in the thread — your process stays yours.
Your team resolves
Your trained staff (or optional assisted workflows) drive recovery. Track everything in the creditor portal.
Simple, Fair Pricing
Start with No Recovery, No Paid at 5% — or pick hourly, success fee, or buyout
Pay-Per-Hour
- $5/hour - Scripted calling
- $9/hour - Intelligent calling
- Calls recorded for QA
- Real-time performance tracking
- AI Reporting & Analytics available
Success Fee Model
- You keep 80% of resolved payments
- 2% upfront and non-refundable contract initiation fee
- No per-call charges
- No payment resolved? No fee
- 60% lower than competitors
Disputed Contract Buyout
- Cash now for a disputed contract — at a negotiated discount
- Get cash upfront instead of waiting months
- Value depends on aging (buyout available up to 360 days past due)
- The resolution risk leaves your books
- Eligibility depends on documentation and counterparty
Built for creditors like you
Built for creditors across healthcare, utilities, trucking, B2B SaaS, wholesale, trades, professional services, and BNPL
Representative mix across industries like yours.