Upload overdue client invoices. Our AI sends professional, escalating recovery outreach on your behalf. 30-60 days to resolution — zero chasing on your end.
Traditional collection agencies charge 30-50% commission, take 90-180 days, and damage your client relationships. DIY tools require your team to spend hours chasing payments. There's a better way.
Recovo handles the entire recovery process — from first contact to final payment. You upload, we recover.
Send us your overdue invoices — a CSV or PDF export from QuickBooks, Xero, or any accounting tool works. Takes under 2 minutes.
Our AI sends professional, escalating outreach — emails, letters, payment reminders — calibrated to maximize recovery while preserving relationships.
Your clients pay you directly — funds land in your account, not ours. We automatically charge our 20% commission via secure ACH or card-on-file once recovery is confirmed. Zero manual invoicing, zero chasing, full transparency.
See how Recovo compares to traditional collection agencies and DIY dunning tools.
| Recovo | Traditional Agency | DIY SaaS Tools | |
|---|---|---|---|
| Fee | 20% contingency | 30-50% contingency | $50-200/mo subscription |
| Time to Resolution | 30-60 days | 90-180 days | Depends on your effort |
| Client Effort | Zero — fully automated | Minimal (hand off accounts) | High — you run it yourself |
| Approach | Professional, relationship-preserving | Often aggressive | Template-based |
| Availability | 24/7 AI — never sleeps | Business hours only | When you have time |
| Scalability | Unlimited — 10 or 10,000 invoices | Limited by headcount | Limited by your bandwidth |
| Upfront Cost | ✓ $0 | ✗ Often requires upfront fees | ✗ Monthly subscription |
Start performance-only — you pay when we recover, nothing otherwise. Switch to a flat monthly plan when you want your receivables managed continuously. No hidden fees, no long-term contracts.
No upfront cost. We eat the risk.
Your receivables handled continuously, month after month — for a flat fee agreed upfront instead of a per-invoice commission.
Most agencies start with Contingency and switch once they've seen us work.
Ask About MonthlyWe act as your authorized representative — not a third-party collector. You retain full control of the client relationship throughout the process.
AES-256 encryption at rest, TLS 1.3 in transit. Your financial data is protected to the highest standard.
Every action logged and timestamped. Complete transparency on what was sent, when, and to whom.
Your client data is never sold or shared with third parties. All outreach is sent in your name, preserving the trust you've built with your clients.
Real questions, honest answers — no marketing fluff.
No — and that's an important distinction. Recovo is a first-party AR recovery service: we act as an authorized extension of your team, sending professional reminders under your brand. We never operate as a third-party collector, which is what triggers state licensing rules and the Fair Debt Collection Practices Act (FDCPA). We work invoices 30-90 days late — past 90 days is debt collection territory, and we'll refer you elsewhere if needed.
No catch. We only make money when you do. If we can't recover an invoice, you owe us $0 — we eat the cost. Our AI-powered process keeps our cost per invoice low, which is why 20% works for us. For you, the math is simple: 20% of recovered money beats 100% of unpaid invoices.
You pay nothing, and we'll tell you why. Sometimes a client genuinely can't pay (cash flow crisis, business closure, dispute in good faith). In those cases, we flag the invoice as uncollectible, recommend next steps (write-off, legal escalation, settlement), and you decide what to do. No fees, no commitments.
Every message we send is tailored to your client's history with you and calibrated to be professional, never aggressive. Outreach is sent from a cobranded address (or your own domain, if you prefer) so your clients see your name, not ours. You get a complete log of every message sent, and you can pause or modify any communication at any time.
Each touchpoint is tailored to invoice context, payment history, days overdue, and the right tone for your client relationship. Generic templates get ignored — that's exactly why most agencies' own reminders fail. Our AI generates each message individually, and a human reviewer checks anything that looks unusual before it goes out.
Largely, yes — and we're upfront about it. AI agents handle the operational work: drafting outreach, scheduling follow-ups, tracking responses. Marc, our AI Head of Sales, may even be the one who emailed you. Every campaign is supervised by a human, anything unusual is reviewed before it goes out, and Breogan, our founder, stays personally accountable — and reachable — at every step. That's what makes a 20% performance fee viable: AI does the heavy lifting, humans make the promises.
At signup, you authorize automatic charges via secure ACH or card-on-file (same way SaaS subscriptions work). Once a recovered invoice lands in your account, we charge our 20% commission automatically — no manual invoicing, no chasing. Every recovery and every commission is logged and reported to you for full transparency.
Those are tools — you still have to set them up, maintain them, monitor them, and respond when clients reply. Recovo is a fully managed service. You upload your aging report, we handle the entire recovery process end-to-end. Many of our clients use us alongside their existing tools — we focus on the harder cases where templated reminders aren't enough.
No. Zero commitment, no minimums, cancel anytime. We charge per recovery (20% commission). If we're not delivering, you walk — and you owe us nothing for invoices we didn't recover. The Monthly AR Management plan, if you choose it later, is also month-to-month.
Enter your email and we'll audit your overdue receivables for free. Find out exactly what your agency is leaving on the table.
No credit card required. Free to start.