The Intelligence Loop
Every collection operation follows the same adaptive cycle. The system gets smarter with every interaction — propensity scores update on every payment, contact, and status change. Segments shift. Strategies adapt.
Score
Propensity engine scores likelihood to pay (0-100)
Segment
Account placed in A/B/C/D tier based on score
Strategy
Tier determines channel, frequency, and tone
Check
9 compliance gates validate every contact
Execute
SMS, email, call, or letter sent to consumer
Track
Response tracked, outcome logged, score updated
Repeat
Loop until paid, settled, disputed, or returned
What is the ClaraPay?
An AI-first contingency collection agency built from the ground up. We replace disconnected dialers, spreadsheets, and manual compliance with voice AI, automated FDCPA controls, card & ACH payments, and real-time reporting — you pay only when we collect.
From Placement to Resolution
See how accounts flow through the platform — from initial placement through compliance screening, outreach, collection, and final resolution — with automation at every step.
Account Placement
Import via CSV, Excel, or SFTP. Validate, deduplicate, and enrich automatically.
Compliance Screening
DNC, TCPA litigant, bankruptcy, licensing, and consent checks.
Smart Scoring & Segmentation
Propensity model scores dozens of behavioral signals. Accounts assigned to A/B/C/D tiers.
Omnichannel Outreach
Voice AI, SMS AI, email, and physical letters reach consumers on their terms.
Payment Collection
Card, ACH, payment plans, auto-pay with retry logic and reconciliation.
Settlement & Resolution
ML settlement optimizer, e-signature, credit bureau Metro 2 reporting.
Client Reporting
Invoicing, remittances, custom reports, and real-time analytics.
See the Platform
A modern, intuitive interface designed for collection professionals. Every screen built to maximize productivity and ensure compliance.
Real-time Dashboard
Live metrics, collection totals, and KPIs update in real-time. Drill down from portfolio level to individual accounts.
Voice AI System
AI phone agents conduct compliant collection calls. Supervisors can listen, whisper, or take over any call in real time.
I can help you set up a payment plan. Would you prefer monthly or bi-weekly installments?
Payment Processing
Multiple payment methods: card and ACH, and payment plans with automatic retry logic.
Compliance Center
Real-time compliance checks for every account, every action. Rule violations blocked before they happen.
Six AI Systems That Learn Together
These are not isolated features — they form a feedback loop. Every payment, every contact, every response makes the system smarter. The AI capabilities improve collection effectiveness continuously over time.
Voice AI Agents
Natural language AI conducts compliant collection calls with lifelike conversational voice. Captures payment promises and escalates when needed.
Conversational SMS AI
AI-powered two-way SMS. Classifies intent: payment, dispute, hardship, opt-out, callback, balance inquiry. Generates FDCPA-compliant responses.
Propensity Scoring
Dozens of behavioral signals predict payment likelihood. Scores update on every event in near-real-time. Drives segmentation and routing.
A/B Testing & Send-Time
Self-optimizing message testing continuously improves SMS templates. Per-consumer send-time learning finds each person's best contact window.
Settlement Optimizer
XGBoost model (ONNX Runtime) recommends optimal settlement percentages using 15 features. Monthly retraining on new outcomes.
Activity Parsing & Insights
AI reads unstructured notes to extract compliance flags, payment promises, and contact outcomes. Anomaly detection surfaces hidden patterns.
9 Compliance Gates Before Every Contact
Compliance is not a feature — it is a constraint that shapes every interaction. The ContactEligibilityService runs before every outbound contact. This is not optional — it is called by every communication function, every queue work action, every automated workflow.
Security & Data Protection
Portals for Every Stakeholder
Consumers, creditor clients, and your agency team each get a purpose-built portal. Reduce inbound calls, increase payment conversions, and give clients real-time visibility into their portfolios.
15 Pre-Built Integrations
Industry-leading services for payments, communications, voice AI, compliance, automation, and infrastructure — all connected out of the box with webhook verification and graceful degradation.
Comprehensive Capabilities
Everything you need to run a modern collections operation — from first contact to final resolution.
Collections Management
Manage the full account lifecycle from placement to resolution. Track consumer profiles, prioritize work queues with AI-driven scoring, and handle multi-client portfolios from a single pane of glass.
Payment Processing
Accept payments through every channel consumers prefer. Secure card and ACH processing, and flexible payment plans with automatic retry logic help ensure payments are not missed.
Voice AI System
Deploy AI-powered voice agents that handle collection calls with natural conversation. Supervisors can listen, whisper, or barge into live calls. Every interaction is recorded, transcribed, and checked for compliance.
SMS AI Conversations
AI-powered two-way SMS that understands consumer intent. Automatically classifies inbound messages as payment, dispute, hardship, opt-out, callback, or balance inquiry — and responds with FDCPA-compliant messages. Escalates to human agents when needed.
Compliance Engine
Stay compliant across all 50 states without manual rule tracking. A deterministic rules engine automates FDCPA, TCPA, and Regulation F checks in real time, while e-OSCAR integration streamlines dispute workflows.
Reporting & Analytics
Eight dashboard variants give you live visibility into pipeline health, collector performance, and channel effectiveness. From executive summaries to a drag-and-drop custom report builder, every metric is at your fingertips.
Multi-Channel Communications
Reach consumers on their preferred channel with two-way SMS, tracked emails, and scheduled outreach. Built-in opt-out handling and time zone awareness keep every message compliant.
Physical Mail
Send FDCPA-compliant validation notices and collection letters by mail. CASS-certified address verification ensures deliverability. Validation notices are automatically scheduled within 5 days of placement, as required by federal law.
DNC/TCPA Compliance
Comprehensive Do Not Call and TCPA compliance. Internal DNC list management, TCPA litigant risk scoring, and cease-and-desist enforcement. High-speed cached lookups for real-time contact decisions.
Settlement Optimization
ML-driven settlement recommendations powered by XGBoost via ONNX Runtime. The model analyzes 15 input features including balance, account age, propensity score, and contact history to recommend optimal settlement percentages. Tracks outcomes for continuous model improvement with monthly retraining.
A/B Testing & Send-Time Optimization
Self-optimizing message testing for SMS templates. The system learns which message content performs best and adapts in real time. Per-consumer send-time learning finds each person's optimal contact window. Payday-aligned messaging boosts response rates.
Skip Tracing
Cost-optimized multi-provider waterfall for finding updated consumer contact information — escalating to premium data sources only when lower-cost lookups return no results. Circuit breakers, result caching, and per-provider cost tracking keep expenses under control.
AI Insights Engine
Surface hidden patterns with automated anomaly detection, trend analysis, and predictive forecasting. Priority-based alerts ensure your team focuses on what matters most.
Propensity & Segmentation
Machine learning models predict payment likelihood using dozens of behavioral signals. Accounts segment into A/B/C/D tiers, each with recommended channel, frequency, and tone. Smart routing ensures each consumer gets the outreach approach most likely to succeed.
Workflow Automation
Visual, drag-and-drop workflow builder for automation design. Under the hood, a comprehensive library of automated background functions handles everything from account placement to monthly credit bureau submissions. Event-driven architecture ensures nothing falls through the cracks.
E-Signature
Digital settlement agreement workflow from generation to countersign. Pre-built templates with merge fields for settlement terms. Full lifecycle tracking with webhook-driven status updates: sent, viewed, signed, declined, expired.
Credit Bureau Reporting
Generate Metro 2 formatted files and transmit to all three credit bureaus via secure SFTP. Automated monthly reporting ensures your data stays current and accurate.
Client Portal
Give your creditor clients full visibility into their portfolios. Self-service placement uploads, real-time payment notifications, custom report builder with export, invoicing, SLA dashboards, and thread-based messaging — all with English/Spanish support.
Data Management
Import accounts via CSV, Excel, or automated SFTP feeds. Built-in data quality monitoring flags issues before they cascade, and scheduled exports keep your downstream systems in sync.
Consumer Portal
Give consumers a self-service portal where they can look up accounts, make payments, set up payment plans, and file disputes — all without agent involvement. Accessible (WCAG 2.1 AA), bilingual (English/Spanish), and mobile-friendly.
Administration
Granular role-based access control with five agency roles and four client roles. Multi-client management, complete audit logging, and centralized system configuration. Enterprise-grade, per-client data isolation at every level.
How ClaraPay compares to traditional tools
Traditional collection operations run 5+ separate tools. ClaraPay replaces them all — and adds AI that none of them have.