Pricing for modern recovery operations
PayPath IQ automates compliant outreach across SMS, email, voice, and letters while optimising recovery performance.
Best for small recovery teams
Starter
For small recovery teams getting started with automated outreach.
Quoted around portfolio complexity, workflow design, and communication usage.
- SMS + email outreach
- Compliance guardrails (Central Bank contact rules)
- Debtor payment portal
- Basic recovery analytics
- Email support
Best for: small lenders or portfolios beginning automated recovery.
Best for agencies and creditors
Professional
For agencies and creditors managing larger portfolios.
Quoted around portfolio complexity, workflow design, and communication usage.
- SMS, email, letter and AI voice outreach
- Full compliance automation (GDPR + CCMA)
- Adaptive recovery workflows
- AI next-best-action engine
- API access
- Priority support
Best for: credit management agencies and mid-size creditors.
Best for banks, utilities, and large regulated recovery operations
Enterprise
For banks, utilities and large regulated recovery operations.
Quoted around portfolio complexity, workflow design, and communication usage.
- All communication channels
- Custom recovery workflows
- Core banking / CRM integrations
- Compliance audit reporting
- Dedicated SLA
- Quarterly business reviews
Best for: large creditors and regulated financial institutions.
Usage-based messaging
Communication costs scale with usage and your quote includes estimated volume based on portfolio size.
SMS
Communication costs scale with live outreach activity.
AI voice
Used when voice automation is part of the recovery strategy.
Letters
Physical delivery costs are only incurred when letters are sent.
Included in your platform subscription.
Typical impact
Recovery leaders buy outcomes, not message volume.
Engagement increase
Stronger contact rates through better timing, channel mix, and follow-up.
Recovery lift
Early pilot range from AI-driven next-best-action selection and adaptive workflows.
Agent workload reduction
Routine outreach, payment nudges, and response handling move into automation.
Example economics
A portfolio of EUR2M in arrears might generate EUR300k to EUR500k in recoveries. Even a 15% improvement can mean EUR45k to EUR75k more recovered.
90-day recovery lift pilot available
Deploy PayPath IQ alongside your existing recovery process and measure the improvement in engagement and recoveries.
- Deploy PayPath IQ alongside your existing recovery process
- No long-term contract
- Deploy in weeks
- Measure the improvement in engagement and recoveries
- If PayPath IQ does not outperform your current process, you walk away
Why PayPath IQ
Traditional collections systems execute tasks. PayPath IQ optimizes the strategy.
Multi-channel outreach
Partial
AI strategy optimisation
Not built in
Compliance guardrails
Manual checks
Voice automation
Usually separate
See how PayPath IQ improves recovery
We will map the right plan, platform fee, and usage model to your recovery operation, then show where the lift should come from before rollout starts.