How is Debt Digest priced?

It is a subscription. Creditors pay per active account under management per month, starting at $2.50 with a $1,500 monthly floor. Collection agencies pay per seat per month, starting at $200 with a $1,000 monthly floor. Creditor-side law firms pay per seat per month, starting at $300 with a $900 monthly floor. There is no percentage of recovery and no contingency at any tier.

What does the pilot cost?

Pilots are free. The standard free tier runs until you have placed 100 accounts or 30 days have passed, whichever comes first, and a negotiated pilot can be scoped larger in the order form. At the limit new placements pause rather than converting, so a subscription starts only when you separately accept an order form. You are never charged for merely reaching the limit.

Does Debt Digest charge any usage or outcome fee?

No. Debt Digest charges only the subscription stated in the accepted order form. There is no per-resolution, per-cure, per-payment, contingency, success, or percentage-of-recovery fee on any plan.

Are the prices fixed?

These are the current public subscription prices. Volume tiers can make each additional account or seat cheaper as you grow, but no paid access or pricing change takes effect without an explicitly accepted order form.

Back to home Plain pricing, posted in public

One simple subscription. Pick the plan that fits you.

Q: Does Debt Digest take a cut of what we collect?

No. Debt Digest never takes a percentage of recovered dollars. Your bill is the subscription stated in your accepted order form, and resolution volume or outcomes do not create invoice line items.

Debt Digest is the software lenders, agencies, and firms use to resolve past-due accounts. You pay a flat monthly subscription for the seats or accounts you actually use. No percentage of what you recover, ever. Pilots are free, so you see it work before you ever pay.

The plans How billing works Vs. the alternatives What is included FAQ

Three plans, one philosophy

Priced for who you are and what you use.

Creditors pay for the accounts they hold. Agencies and firms pay for the seats their people sit in. Every plan is a flat subscription with a monthly floor set per portfolio. Start with a free pilot: no charge until you have placed 100 accounts or 30 days have passed, whichever comes first, both raisable for a negotiated pilot. At the limit new placements pause rather than converting, so the subscription turns on only once you have seen the product work and chosen it.

For creditors

Creditors with a retained book

You hold a portfolio of past-due or charged-off accounts. Every account is worked, surfaced, disclosed, and audited on a compliant rail each month, whether or not it resolves.

$2.50 / active account / month

Starts at a $1,500 / month floor · the marginal account gets cheaper as your book grows

Resolution rails for balance-in-full, payment plans, and settlements
Your charge-off timing, per segment, on your own clock
Validation notices and contact-frequency tracking built in
Real-time dashboard, quarterly benchmark, audit export
Volume tiers add SMS, white-label portal, and API as you scale

Start a free pilot

For collection agencies

Collection agencies

Each of your collectors gets a productive, compliant workstation. You buy a seat for every operator who logs in, and nothing more.

$200 / seat / month

Starts at a $1,000 / month floor · roughly five seats

Subscription only: capacity changes are handled by adding or removing seats under your order form. Resolution volume never creates an invoice line item.

Operator cockpit with the full resolutions workflow
Balance-in-full, payment-plan, and settlement tools
Contact-frequency counter and validation templates
Compliance dashboard and audit-ready records
No cut of your contingency, ever

Start a free pilot See the agency cockpit → Try the live cockpit →

For creditor-side firms

Creditor-side law firms

A professional-services shop priced by the head. Each attorney and staff member gets a cockpit with court-ready compliance built in.

$300 / seat / month

Starts at a $900 / month floor · roughly three seats

Attorney and staff cockpit with attorney-of-record sign-off
State court-filing-ready templates
Resolutions, frequency tracking, validation notices
Bar-rule compliance tracking
Flat per-seat subscription, no outcome fee

Start a free pilot

Optional add-on

Managed Services, for creditors who want a higher-touch hand

Some creditors do not have internal compliance staff and want Debt Digest to do more of the hands-on work. For them, there is an optional Managed Services tier with a higher subscription stated in a separate order form. It is transparently labeled, never the default, and never priced per resolution, payment, cure, or recovery outcome.

Represent consumers? Consumer-side firms are participants in the same receivables ecosystem, on a separate channel from the creditor-side workspace described above. That channel is not open yet, and no plan is available to sign up for today; any paid access will remain subscription-only. Email hello@debt-digest.com to register interest.

Pilots are free. You prove the product on your own accounts before any subscription begins. Floors are set per portfolio. The prices above are the current public rate card; any paid access or change requires an explicitly accepted order form. Payment flow: in currently activated direct-payment workflows, consumer funds go to the identified account owner or authorized payee. Debt Digest invoices each participating organization separately for its subscription.

How billing works

We charge for the software, not for your wins.

The whole point is a number you can budget. Your bill is the subscription stated in your accepted order form. Resolutions, payments, cures, settlements, and dollars recovered never create additional invoice line items.

What the subscription covers

The flat monthly fee, per account for creditors or per seat for agencies and firms, covers everything that keeps the product running: hosting, security controls, audit-log retention, notice generation, the dashboard, and support.

It does not move with your results. A good month and a slow month cost the same, so the number is easy to plan around and easy to take to a budget meeting.

What never becomes a fee

Debt Digest does not meter resolutions, payments, notices, API calls, exports, cures, settlements, or dollars recovered. Those events may appear in operational and audit records, but they do not become invoice line items.

Capacity is handled through the subscription. If your active-account volume or team changes, the corresponding subscription tier or seat count changes only under the pricing and authorization in your order form.

Your bill is subscription only, priced per active account or per seat under an accepted order form. There is no usage, outcome, contingency, or percentage-of-recovery fee anywhere.

Compared to the alternatives

Three ways to handle past-due accounts. Only one is a flat, predictable subscription.

Most lenders today choose between an outside agency that takes a cut of every recovered dollar or an in-house team with a fully-loaded staff cost. Debt Digest is software you license: a predictable subscription that does not climb the more you recover.

Traditional collection agency

25–40%

A cut of every recovered dollar, including the ones the consumer would have paid you anyway. Their bill climbs the better things go, and you hand over the relationship at the moment you most need it.

Debt Digest (subscription)

From $2.50 / account

A flat monthly subscription, per account or per seat. The number is the same in a great month and a slow one. Account ownership, participant authority, and the acting organization remain explicit throughout the shared workflow.

In-house collections team

$80–120K

Fully-loaded cost per collections head per year, plus dialer, skip-trace, compliance training, and turnover. A fixed cost whether the portfolio is small or large. Hard to scale, hard to wind down.

What is included

Feature matrix, by who you are.

The same product underneath. The differences are who buys a seat versus an account, and which higher tiers unlock white-label and integrations as you grow.

Feature	Creditor	Agency	Firm
What you pay for	Per account	Per seat	Per seat
Landing price	$2.50 / acct / mo	$200 / seat / mo	$300 / seat / mo
Monthly floor	$1,500	$1,000	$900
Percentage of recovery	None	None	None
Resolution or outcome fee	None	None	None
Free pilot	✓	✓	✓
Participant roles and authority recorded per account	✓	✓	✓
Resolutions, validation notices, frequency counter	✓	✓	✓
Compliance dashboard & audit export	✓	✓	✓
White-label portal (higher tiers)	✓	✓	✓
API, SSO/SAML, SLA (higher tiers)	✓	✓	✓
Optional Managed Services add-on	✓	–	–

FAQ

The honest answers.

Real questions from the people who buy this: creditor VPs, agency owners, and firm partners. No softening.

A flat subscription. Creditors pay per active account per month, while agencies and firms pay per seat per month. That is the business. There is no usage, resolution, cure, payment, outcome, contingency, or percentage-of-recovery fee at any tier.

Nothing. Pilots are free and low-friction. You run the product on your own accounts and see the results before any subscription starts. We would rather you prove it to yourself than ask you to pay an unproven vendor up front.

Because every participant should be able to predict the cost of the shared rails without tying Debt Digest's economics to a collection result. Subscription pricing keeps product incentives focused on reliable infrastructure, transparent workflows, and participant capacity, not on pressuring a particular account toward an outcome.

Not in the currently activated direct-payment workflows. Consumer funds go to the identified account owner or authorized payee, while Debt Digest invoices participating organizations separately for subscriptions. That routing is an operating fact, not a shortcut for deciding any participant's legal status; duties follow actual role, authority, conduct, account context, jurisdiction, and law. See how the compliance works.

If you hold a portfolio of accounts, you are a creditor and you pay per active account under management. If your people work accounts from a cockpit, you are an agency or a firm and you pay per seat. If you are not sure where you fit, start a free pilot and we will set it up the right way for your shop.

The floor is the smallest monthly subscription on a plan: $1,500 for creditors, $1,000 for agencies, $900 for firms. It exists so the product is supported and accountable even in a quiet month, and it is set per portfolio. As your book or your team grows past the floor, each additional account or seat is priced at the per-unit rate, and volume tiers make the marginal one cheaper.

An optional add-on for creditors who lack internal compliance staff and want Debt Digest to do more of the hands-on work. It is a higher subscription stated in a separate order form. It is never the default, and the extra support is never priced per resolution, payment, cure, settlement, or recovery outcome.

Not through self-serve enrollment on this page yet. Consumer-side firms belong in the same receivables ecosystem, on a separate channel from the creditor-side workspace priced above. Register interest at hello@debt-digest.com. Any paid plan will be subscription-only, with no usage, outcome, contingency, or percentage-of-recovery fee.

None beyond the subscription authorized in your order form. There is no setup or onboarding fee, no per-notice charge, no per-API-call charge, no per-export charge, and no per-resolution or outcome fee. That is the complete fee model.

Every contract includes a 24-hour data-export clause. All account data is exportable on demand in standard CSV or JSON. Identified consumer data is yours to recall at any time. See /trust for the full vendor-resilience posture.

Stuff we will not do

Hard limits we will not negotiate around.

If any vendor offers to bend on these, it is a signal something is wrong upstream.

Will you take a percentage of what we recover to lower the subscription?

No. We do not price on a percentage of recovery, anywhere, on any plan, or in any custom deal. We also do not substitute a per-resolution or other outcome meter. The commercial model is subscription only.

Will you collect payments from consumers directly to make billing easier?

Not in the currently activated direct-payment workflows. Consumer funds go to the identified account owner or authorized payee, while each participating organization pays its own subscription. Payment routing does not decide legal status; actual role, authority, conduct, account context, jurisdiction, and law do.

Will you guarantee a specific recovery rate?

No. We frame every result as a target, not a promise. The free pilot exists exactly to produce your own number on your own accounts. We say it this way to stay clean of UDAAP and CFPB misrepresentation risk.

Ready to see it work on your own accounts?

Start a free pilot. You will see the product run on your portfolio before any subscription begins, with no cost, no obligation, and no "contact us" curtain on the number.

Start a free pilot Or explore the live demo