AI-first billing & collections
We collect your past-due balances.
You pay only when we do.
ClaraPay is an AI-first billing and collections agency. We work your self-pay and past-due accounts with voice AI, text, email, and mail — first under your own brand, then through fully compliant collections.
Book a 30-minute walkthrough and we'll show you what we'd recover from your portfolio.
Early-out, under your brand
We work fresh self-pay and past-due balances as a first-party extension of your team, so the relationship stays yours.
Compliant collections when it ages
Accounts that go unresolved hand off automatically to licensed collections, with FDCPA, Reg F, TCPA, and state-specific rules enforced by the platform on every contact.
You pay only when we collect
Contingency pricing. No setup costs, no upfront fees, and no monthly minimums — our fee is a percentage of what we actually recover.
What to expect
Personalized walkthrough
We'll demo ClaraPay using your portfolio type — retail, financial services, or business creditor.
Custom ROI estimate
See projected recovery improvement and collector hour savings for your account volume.
No obligation, no pressure
Ask anything. We'll answer honestly, including when ClaraPay isn't the right fit.
Compliance & security
FDCPA / Reg F Ready
SOC 2-aligned infrastructure
50-State Compliant
TCPA / FDCPA Ready
What changes when AI does the work
Already have a collections vendor? Here's what the demo will walk you through.
Time to first contact
7–14 days
Under 24 hours
Patient & consumer outreach
Manual calls during business hours
AI voice + SMS 24/7, payday-aligned
Regulatory compliance
Staff training & manual checklists
Automated FDCPA, TCPA, and Reg F screening on every contact
Payment options
Check or phone payment
Self-service portal: card, ACH, payment plans
Reporting
Monthly PDF
Real-time client portal with analytics
Pricing
Setup fees + monthly minimums
Contingency only — pay when we collect