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Recovia Resolve · Outsourced debt recovery

Debt recovery, done with dignity.

Place your overdue accounts with a tech-first recovery partner. We engage your customers the way they actually want to be engaged — and you pay only on what we recover.

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A bakery owner in his apron checking the progress of a placed account on his phone.

Who it's for

Built for portfolios of every shape.

Enterprise consumer books

Banks, BNPL, telcos, utilities and insurers with recurring delinquency volume. API placement, webhooks and champion/challenger from day one.

Property, strata & subscriptions

Levies, arrears and lapsed memberships — recurring relationships where tone matters as much as recovery. We collect without burning the relationship.

SME & trades invoices

Single accounts or small books, placed in minutes through manual entry or a simple upload. Fixed-fee tiers available for smaller debts.

What your customers experience

A respectful path from first message to resolved.

  1. A clear, calm first contact

    No threats, no all-caps. A plain-English message that explains who we are, who the original creditor is, and exactly what the account is for.

  2. Everything visible, nothing hidden

    The portal shows the itemised balance and supporting documents. Transparency up front is why our dispute rates run low.

  3. Options that fit real budgets

    Pay in full, part-pay, or build a weekly, fortnightly or monthly plan aligned to paydays. Rule-based settlement offers within ranges you approve.

  4. Help when life is hard

    A guided hardship flow pauses all activity the moment it's lodged. Vulnerability signals route to trained specialists, never to automation.

What you get back

Performance you can audit, not just admire.

Real-time client portal

Liquidation curves, engagement analytics, dispute and hardship status, portfolio comparisons — live, not in a monthly PDF.

Trust-accounted remittance

Recovered funds held in state-compliant trust accounts, reconciled daily and remitted on schedule with itemised statements.

Compliance evidence pack

Per-account export of every message, decision, hold and payment — ready for internal audit, external audit or a regulator's question.

API & webhook integration

Place, recall and reconcile from your own systems. Webhooks fire on placement, payment, plan, dispute and closure events.

Pricing

No recovery, no fee.

Commission on amounts actually recovered — typically 15–30% for consumer portfolios, negotiated for enterprise volume. Fixed-fee tiers for SME debts. No setup costs, no monthly minimums, no surprises.

  • Commission only on recovered funds
  • Enterprise volume pricing available
  • Fixed-fee options for SME invoice debt
  • Free champion/challenger trial placements

Questions

What partners ask before they place.

How quickly can we place our first portfolio?

For file-based placement (CSV/XLSX with our mapping wizard), most clients are live within a week — including compliance sign-off on templates and tone. API integrations typically take two to four weeks depending on your systems.

What happens to our brand relationship with the customer?

Resolve operates under Recovia's brand, so difficult conversations happen with us, not you. Messaging is respectful by design — our customer satisfaction rating is a published metric precisely because it protects yours.

How do you handle hardship and vulnerable customers?

A hardship request instantly pauses all collections activity while it's assessed, as required under the National Credit Code and industry codes. Our AI flags vulnerability signals — hardship language, distress, domestic violence indicators — across every channel and routes those accounts to trained specialists.

Can we run you against our existing agency first?

We encourage it. Split a placement 50/50, hold everything else equal, and compare liquidation, complaint rates and customer feedback after 90 days. Champion/challenger is how most of our enterprise partners started.

Put us head-to-head with your current agency.

A 90-day champion/challenger placement costs nothing to set up and settles the question with your own data.

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