Invoice chasing and failed-payment recovery
Payment recovery chases overdue invoices and retries declined cards with a staged sequence whose tone adapts to the customer's history — gentler for the client who always pays late but always pays, firmer for the one who does not. Every message carries a payment link, and everything reconciles automatically the moment money arrives.
What problem this solves
“There is money sitting in overdue invoices that nobody has time to chase politely.”
There is money sitting in overdue invoices that nobody has time to chase politely. Chasing is uncomfortable, it is nobody's job description, and it competes with work that feels more productive — so it happens late, inconsistently, or not at all.
Failed card payments are the same problem wearing different clothes. A declined renewal that nobody follows up is churn that was never a decision: the customer did not leave, their card expired.
Nobody argues with the ROI of being paid sooner. It is unglamorous, it is barely competed for, and it touches the owner's bank account directly — which, not coincidentally, is the person who signs off on the build.
A collection cycle shortened by roughly 10–25 days without hiring anyone, and 30–50% of failed charges recovered — revenue you had already earned.
Market contextNobody argues with the ROI of getting paid sooner. It is unglamorous, barely competed for, and it touches the owner’s bank account directly — and the owner is the person who signs.
What runs, end to end
- 01Invoice overdue or card declined
- 02Choose tone from history
- 03Staged reminders with a pay link
- 04Escalate to a person
- 05Reconcile on payment
Who this is for
Cross-industry, anywhere invoicing is on terms or revenue is on subscription. Professional services, agencies, SaaS, wholesalers, anyone whose accounts receivable has a tail.
It fits from a single owner sending a dozen invoices a month up to a finance team running hundreds. At the small end the value is that the chasing happens at all; at the larger end it is consistency and the end of the spreadsheet somebody maintains by hand.
It pairs naturally with the reporting build, because the collection cycle is a number your leadership already watches and this is the automation most likely to move it.
- Sectors
- Cross-industry
- Strongest fit
- United StatesEuropeLatAm
What it costs
| Size | Build | Monthly |
|---|---|---|
| Micro | Build$400–$800 | Monthly$120–$220/mo |
| Small business | Build$1,000–$2,000 | Monthly$280–$550/mo |
| Mid-market | Build$2,500–$4,500 | Monthly$650–$1,300/mo |
All prices are in US dollars. Out-of-scope work is $35–$60/hour. AI usage is billed at cost plus 20%, or you bring your own API key.
Frequently asked questions
- Is this going to sound like a debt collector?
- No, and that is the design constraint rather than a nicety. The tone is chosen from the customer's payment history, the early messages assume it was an oversight because usually it was, and there is an escalation to a human before anything becomes adversarial. You keep the relationship; the machine keeps the schedule.
- How much of a failed payment is recoverable?
- Public benchmarks put staged retry sequences at thirty to fifty per cent of failed charges recovered, and collection cycles shortened by roughly ten to twenty-five days. Those are industry figures, not results measured on our clients — we will size them against your own ageing report on the audit call.
- Does it work with our accounting system?
- Stripe, QuickBooks and Xero are the standard integrations and cover most cases. The reconciliation step is the one that matters: an invoice marked paid in one system and overdue in another produces exactly the chasing message that costs you a client.
- When does a human take over?
- At a threshold you set — usually after a defined number of messages, or immediately for accounts above a certain value where you would rather make the call yourself. The sequence stops the moment a person picks it up, and it does not resume without being told to.
How much of your money is right now in the hands of someone who simply forgot to pay you?
Figures on this page are public industry benchmarks, not results measured on Amagenon client accounts. We will size the numbers against your own data on the audit call.
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