Comparison
Recovia vs Panthera Finance.
Panthera is a well-established Australian collections agency. Recovia is a modern platform + agency built around self-service and preserving the customer relationship. Here's how the two compare on the things that actually affect your recovery numbers.
This page is written by Recovia. We’ve tried to be honest — where Panthera Finance is a better fit for a particular customer, we say so. Details about Panthera Finance 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 If anything here is out of date, tell us.
Modern SaaS vs traditional agency
Where the two differ.
Company type
Recovia · Modern collections agency + SaaS platform
Panthera Finance · Established collections agency
Technology stack
Recovia · Custom platform — debtor self-service portal, AI drafter (opt-in), automated bureau workflow
Panthera Finance · Traditional agency tooling
Why it matters · If self-service and API integration matter, this is where the two most obviously differ.
Debtor self-service
Recovia · Full mobile-first portal: pay, plan, hardship, dispute, without picking up the phone
Panthera Finance · Available but less prominent in positioning
Creditor reporting
Recovia · Live client portal with account-level timeline, exportable statement
Panthera Finance · Standard periodic reporting
Pricing model
Recovia · Flat monthly SaaS fee + commission
Panthera Finance · Commission-based (varies)
API / integration
Recovia · REST API for account placement, webhooks for status events
Panthera Finance · Contact for integration options
Tone / brand
Recovia · Empathy-first, digital-first — designed to preserve the customer relationship
Panthera Finance · Traditional collections tone
Compliance posture
Recovia · ACCC/ASIC Debt Collection Guideline aligned; RG96 caps enforced automatically per account
Panthera Finance · ACCC/ASIC-compliant
Coverage
Recovia · Australia-wide, with 8 state/city-specific pages
Panthera Finance · Australia-wide
Pick Recovia when
- Your customers are digital-native and will use a self-service portal
- You want a REST API for placing accounts, not just a CSV upload
- You care about the customer relationship being preserved through recovery
- You want to see live account-level activity in a creditor portal
- You want automated RG 96 contact-cap enforcement out of the box
Pick Panthera Finance when
- You've worked with Panthera before and existing relationships matter more than tooling
- Your book is heavily aged and needs traditional-style skip tracing and legal work
- You don't need self-service or API integration
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.