Reclaira

AI-driven collections & recovery

Get paid,
automatically.

Reclaira works your receivables end to end — it prioritizes the accounts that will actually pay, reaches them across text and voice, negotiates and settles through a self-serve portal, and takes the payment. Your team approves; it doesn't type.

Book a demo See the platform
For in-house AR teams & agencies Compliant by design Card + ACH & plans built in

One account, start to paid

1

Prioritize

Ranked by likelihood-to-pay × dollars.

2

Reach

Compliant SMS + voice outreach, sequenced.

3

Negotiate

AI negotiator + self-serve debtor portal.

$

Get paid

Card, ACH, and payment plans, in-flow.

Every step consent-checked, quiet-hours aware, and logged — audit-ready by default.

The problem

Collections is still done by hand — and that's cash sitting still.

Most receivables are worked in spreadsheets and one-off emails: inconsistent follow-up, no prioritization, and legacy collections software that hasn't meaningfully changed since 2010. The result is bloated DSO, avoidable write-offs, and collectors spending their day on data entry instead of the accounts that matter.

83%
of companies still haven't fully automated their AR
~2%
of revenue mid-market firms spend collecting it
30–40%
of collector time lost to manual, repeatable tasks
24/7
Reclaira works accounts — nights, weekends, at scale

The platform

Everything a collections shop does — run by AI, with your team in control.

One system across prioritization, outreach, negotiation, payment, compliance, and reporting. Not another point tool bolted onto a legacy core.

Account Prioritization

Every open account scored by likelihood-to-pay and dollars at stake, so collectors work the accounts that move DSO — not the top of the aging report.

Multichannel Outreach

Automated SMS and voicemail campaigns, sequenced and sent for you. Templated, personalized per account, with opt-out handling built in.

Embedded Softphone

When an account needs a human, collectors take and place live calls right inside Reclaira — a built-in WebRTC softphone with warm transfer. No separate dialer or phone system to run.

AI Negotiator

An AI that negotiates and settles within the floors you set — payment plans, discounts, and promises — 24/7, without a collector on the phone.

Self-Serve Debtor Portal

A branded portal where debtors view balances, take a plan, dispute, and pay — resolving accounts without an inbound call ever reaching your team.

Payments & Plans

Card and ACH, saved-card tokenization, installment schedules, a full ledger, and commission tracking — take the money the moment they agree.

Compliance Suite

Quiet hours, consent provenance, DNC/suppression, frequency caps, and an immutable audit trail — TCPA/FDCPA-aware, built in rather than bolted on.

Reporting & Cash Forecast

DSO, aging, per-campaign and per-collector performance, and a cash forecast grounded in each customer's real payment behavior — not net-30 fiction.

Imports & Portfolios

CSV import maps balances into a portfolio → account model in minutes. Point it at your aging report and start working accounts the same day.

How it works

From aging report to recovered cash in five steps.

STEP 1

Import

Load your aging report or portfolio by CSV. Balances, contacts, and accounts are usable immediately.

STEP 2

Prioritize

Reclaira ranks the book by who'll pay and how much is on the line.

STEP 3

Reach

Compliant SMS and voice outreach goes out on schedule, per account.

STEP 4

Negotiate & pay

The AI negotiator and portal settle within your limits and take payment.

STEP 5

Report

DSO, recoveries, and cash forecast update live — with a full audit trail.

Who it's for

Built for the people who collect the money.

In-house AR & finance teams

Lower DSO without adding headcount

  • Replace manual dunning and spreadsheet follow-up with consistent, automated outreach.
  • Give a CFO a cash forecast grounded in real payment behavior.
  • For teams with no real collections system, Reclaira is your first one — live in days, not a migration project.
Collection agencies

Modernize the shop, keep your book

  • Add automated contact, AI negotiation, and a self-serve portal alongside your existing operation.
  • Compliance controls that stand up to a client audit — quiet hours, consent, DNC, frequency caps.
  • Do more accounts with the same collectors, and prove recovery performance per campaign.

Compliance & trust

Automation that holds up to an audit.

Collections outreach carries real regulatory exposure. Reclaira treats compliance as core infrastructure, not a checkbox — so you can automate without inheriting risk.

✓
Quiet hoursTime-zone-aware sending windows enforced per contact.
✓
Consent & opt-outConsent provenance tracked; opt-outs honored and suppressed automatically.
✓
DNC & suppressionDo-not-contact and suppression lists applied before any send.
✓
Frequency capsPer-account contact limits so no one is over-contacted.
✓
Immutable audit trailEvery message, call, and settlement logged and accountable.
✓
Private by defaultRuns on serverless edge infrastructure; your data isn't pooled or used to train a vendor's model.

Try it live

Settlement calculator

Enter a balance and a plan to see the settlement total, savings, and payment schedule — the same math Reclaira offers debtors in the self-serve portal. It's the front door to getting an account paid.

Plans and floors are configurable per portfolio, and settlement targets are enforced in code so nothing settles below your limit.

$

Settlement Plan

Full Balance
$0.00
Settlement Total
$0.00
You Save
$0.00
Enter a balance to see the payment schedule.

How you start

Prove it on your own accounts first.

Reclaira lands as a low-risk pilot and expands as it pays for itself. We can run it for you or hand you the keys.

Pilot

Free assessment

Point us at one portfolio or aging report. We map it, prioritize it, and show what Reclaira would recover.

  • AR/aging assessment
  • One-portfolio pilot
  • ROI & DSO baseline

Managed

Done-for-you

We stand up and operate your automated contact, negotiation, and payment layer end to end.

  • Setup + configuration
  • Compliance dialed in
  • We run it; you approve
  • Contingency option available

Platform

Self-serve

Your team runs Reclaira directly — the full platform, priced to your volume.

  • Full feature access
  • Multi-user & portfolios
  • Reporting & API

Why Reclaira

Built by someone who's actually done the job.

A decade ago I built and sold OpenCollect — a collections-CRM SaaS agencies ran their operations on. But it was CRM only; the automation and AI to do the hard part didn't exist yet. Before that I built and scaled a national accounts-receivable recovery operation, and lived the aging report, the promise-to-pay chase, and the month-end cash scramble from the inside.

That technology finally arrived. Reclaira is the collections platform I always wanted to build — the CRM, the outreach, the negotiation, and the payment, run by AI. You're not buying from a general AI shop learning collections on your dime. You're buying from an operator who's done this before.

— Shawn Bure, Founder & CEO

FAQ

Questions finance teams and agencies ask.

Does Reclaira replace our collections system?

For in-house teams running on spreadsheets, Reclaira is your first real system. For agencies, it augments your existing operation — it adds the automated contact, AI negotiation, self-serve payment, and compliance layer alongside your book, so there's no rip-and-replace.

Is it compliant with TCPA and FDCPA?

Compliance is built into the core: time-zone-aware quiet hours, consent provenance, DNC and suppression, frequency caps, and an immutable audit trail on every message, call, and settlement. Automation is designed to hold up to a client or regulator audit — not to create exposure.

What happens to our data?

Your data runs on serverless edge infrastructure and isn't pooled with other companies or used to train a vendor's model. Every access is logged. For teams that require it, we can deploy privately.

How fast can we go live?

You can import an aging report and start working accounts the same day. A managed rollout — outreach, negotiation, payments, and compliance configured to your rules — is a matter of days, not a multi-month implementation.

How does it take payment?

Card and ACH are built in, with saved-card tokenization, payment plans, installment schedules, a ledger, and commission tracking — so an account can go from contacted to paid without leaving Reclaira.

How is it priced?

Most engagements start with a free assessment and a single-portfolio pilot, then move to a managed (done-for-you, with a contingency option) or self-serve platform model priced to your volume. Book a demo and we'll scope it to your book.

Get started

See Reclaira work an account, start to paid.

Bring an aging report and a DSO target. We'll show you which accounts to work first and how Reclaira reaches, negotiates, and collects — live on your own data.

Book a demo