Comparison
Recovia vs InDebted.
Both platforms recover consumer and commercial debt for Australian creditors. Here's how they differ where those differences actually matter — tenancy, pricing model, AI posture, and the size of the footprint you're buying into.
This page is written by Recovia. We’ve tried to be honest — where InDebted is a better fit for a particular customer, we say so. Details about InDebted are from their public marketing site and may not reflect current internal pricing or feature scope. If anything here is out of date, tell us.
Feature by feature
Where the two differ.
Head-office location
Recovia · Sydney, Australia
InDebted · Sydney, Australia (multi-country footprint)
Tenancy model
Recovia · Multi-tenant SaaS with per-customer isolation on request
InDebted · Single-tenant per customer (as marketed)
Why it matters · Multi-tenant means faster onboarding + shared infra improvements; single-tenant means everything is bespoke and takes longer to change.
Data residency
Recovia · Sydney AU (Neon Postgres in ap-southeast-2)
InDebted · Country-of-service (varies)
Pricing model
Recovia · Flat monthly platform fee + optional AI Assist add-on
InDebted · Contact for pricing
Debtor self-service portal
Recovia · Included — pay, plan, dispute, hardship, all mobile-first
InDebted · Included
AI-drafted communications
Recovia · Optional paid add-on ($49/mo) — off by default
InDebted · Included
Why it matters · Recovia's default-off posture means no debtor data leaves the workspace unless the operator explicitly turns AI on and pays for it — useful for creditors with strict privacy requirements.
Trust accounting
Recovia · Native — per-client trust ledger, remittance workflow, GST-aware
InDebted · Partial
Why it matters · Recovia was built around Australian trust-accounting requirements from day one — every payment lands in a per-client ledger with a full audit trail.
Multi-country support
Recovia · Australia only
InDebted · AU / NZ / UK / US / CA / MX
Why it matters · If you collect in multiple countries, InDebted is the pragmatic choice. If your book is 100% Australian, Recovia's tighter focus is often an advantage.
Compliance certifications
Recovia · ACCC/ASIC Debt Collection Guideline aligned; SOC 2 in progress
InDebted · ISO 27001, SOC 2 Type II
Onboarding time
Recovia · Same day — self-serve signup, first campaign live within an hour
InDebted · Weeks — enterprise sales cycle
Pick Recovia when
- Your book is 100% Australian and you want a partner headquartered here
- You want flat, predictable pricing — no enterprise sales cycle
- You need real trust accounting native to the platform
- You want AI to be an opt-in, not the default
- You want to be live this week, not this quarter
Pick InDebted when
- You collect across multiple countries and need one vendor
- You require ISO 27001 / SOC 2 Type II certifications signed off today
- You want a fully single-tenant deployment out of the box
- You have the budget and appetite for a longer enterprise onboarding
See Recovia for yourself, no pitch deck.
Book 20 minutes with the founder. We'll load a sample of your accounts and walk through what a first month of recovery would look like on the platform.