Start in early-out — under your own brand
Work self-pay and patient balances as first-party billing under your practice's name, before anything ages to collections. Consumers see your brand; ClaraPay runs the outreach, payments, and statutory notices behind it. Accounts that pass your aging threshold hand off automatically to fully compliant third-party collections — one continuous experience.
Conversations that collect, automatically
Clara's AI voice agents make natural-sounding calls while conversational SMS handles text-based outreach. Every interaction is compliant, recorded, and learns from outcomes.
Compliance on autopilot, coast to coast
Pre-loaded rules for FDCPA, TCPA, Regulation F, and all 50 states. Every call, text, and letter is automatically screened before it's sent.
Work the right accounts first
Our ML models score every account on propensity to pay, optimal contact channel, and best time to reach. Your highest-value accounts get attention first.
Let them pay on their terms
Many consumers prefer to resolve accounts on their own schedule. Our portal lets them view balances, set up payment plans, make payments, and file disputes — in English or Spanish.
Everything you need to recover more
Our platform handles the entire collection lifecycle.
Early-Out Billing
First-party, provider-branded pre-collect with auto-handoff to collections
Payment Processing
Secure card & ACH payments
Credit Bureau Reporting
Metro 2 reporting to all three bureaus
Settlement Optimization
ML-recommended settlement percentages
Skip Tracing
Multi-provider waterfall lookup with caching
Physical Mail
CASS-certified FDCPA notices
E-Signature
Digital settlement agreement workflows
Workflow Automation
Automated background processes end to end
Client Portal
Real-time visibility for your team
Reporting & Analytics
Custom dashboards, exports, and scheduling
A/B Testing
Self-optimizing message testing
Data Import
CSV, Excel, and SFTP automation
Multi-Language
English and Spanish throughout
Built for your industry
Tailored strategies from early-out through collections — for healthcare, retail, financial services, and businesses.
High volume, small balances
Small-dollar self-pay balances overwhelm your billing staff and fall through the cracks.
Patients don't know they owe
Surprise bills and complex EOBs mean patients often don't realize they have a balance.
HIPAA + PHI exposure
Every patient contact carries HIPAA risk unless PHI is handled under a signed BAA with screening on every touch.
Outcomes vary by portfolio. Illustrative scenarios only — not guarantees.
See What We'd Recover for YouWhy AI-first vs. a traditional agency?
If you already have a collections vendor, here's what changes when AI does the work.
Built for healthcare and modern creditors
Illustrative scenarios from healthcare, retail, and financial creditors — not verified customer outcomes or performance guarantees.
“Patients actually prefer the self-service portal — fewer inbound calls to our billing office and faster payments, with PHI handled under a signed BAA.”
“Consumers actually prefer self-service. The portal means fewer inbound complaints and faster payments.”
“Compliance is built into every channel — not a spreadsheet we update after the fact.”
You only pay when we collect
No upfront fees. No monthly minimums. No setup costs.
Contingency-based pricing
Typical rates: 15–35% of collected amounts
Early-out is billed the same way — a percentage of what we collect, or no fee at all.
See ClaraPay in action
Book a 30-minute walkthrough and we'll show you what ClaraPay would recover from your portfolio.
What to expect
Personalized walkthrough
See a demo tailored to your portfolio type
Custom ROI estimate
We'll estimate your recovery improvement
No obligation
Honest answers, no pressure
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