AI-powered debt recovery · Sydney, Australia
Recovia replaces the collections call centre with something better: digital-first engagement that treats people in debt like the customers they still are — orchestrated by machine learning, guarded by compliance built into the code.
Trusted by collections teams across banking, BNPL, energy and telco
Three ways to work with us
Run collections yourself on our software, hand us the early-stage digital recovery, or escalate the hard cases to our full-service agency — all connected on one platform, one ledger, one compliance engine.
Digital-first debt recovery
Place overdue consumer or SME accounts with us. We engage your customers across email, SMS, voice and a self-service portal, then remit recovered funds with a full evidence trail. Commission only on what we recover.
Hard-end debt recovery
The hard-end service for late-stage, disputed and complex debt. When digital recovery has run its course, our senior collectors, skip-tracing team and formal demand management step in — firmly, and always within the rules.
First-party collections software
The same portal, messaging engine, AI layer and compliance guardrails our own team runs on — white-labelled for your in-house collections. Your brand, your tone, your approval chains, live in weeks.
How Resolve works
Upload a file, drop it on SFTP or push via API. We validate, dedupe and enrich every record before a single message goes out.
The engine picks the channel, send time and message for each person — trained on engagement outcomes, never on aggression.
A no-login portal where people see exactly what they owe and why, then pay, set up a plan, request hardship support or raise a dispute.
Recovered money lands in trust, reconciles automatically and reaches you on schedule — with a compliance evidence pack for every account.
The engine underneath
Built as one platform — one ledger, one compliance engine, one intelligence layer — powering both our recovery service and your in-house team.
Mobile-first, no-password resolution. Pay in full or part, flexible plans aligned to paydays, settlement offers, disputes and hardship — all without a phone call.
Email, SMS, voice, web chat and physical letters, orchestrated in visual journeys that branch on real engagement — opened, clicked, promised, paid.
Propensity models, send-time optimisation and message personalisation inside legally approved templates, with continuous A/B testing.
RG 96 contact windows, frequency caps, hardship holds and disclosure rules enforced automatically — per account, per channel, per timezone.
Cards, Apple Pay and Google Pay, PayTo, BECS direct debit and BPAY. Smart retries, plan management and state-compliant trust accounting.
Full account timelines, AI co-pilot suggestions, guided negotiation guardrails and 100% automated QA on every call and chat.
Why it works
Traditional agencies chase payment with pressure — repeated calls, threatening letters, brand damage you only discover in the churn numbers. The industry accepted that trade-off for decades.
We built Recovia on the opposite bet: a person in debt is a customer in a difficult moment. Give them clarity, dignity and self-service options, and most will resolve on their own terms — faster, more often, and without hating the brand that sent them.
“People don't avoid paying. They avoid being shamed.”
Compliance is code
Every message is rendered against the compliance engine before it sends. Every automated decision is logged, explainable and reproducible.
Contact windows & frequency caps enforced in code
APPs, identity verification, breach-response workflow
Instant holds while hardship notices are assessed
All customer PII stored and processed in Sydney
What partners and customers say
“We ran Recovia head-to-head against our incumbent agency for a quarter. They recovered 31% more — and our complaints inbox went quiet. That combination shouldn't be possible.”
Sarah Nguyen
Head of Credit Operations, Loopline
Client partner
“I expected threats. Instead I got a link, saw exactly what I owed, and set up a fortnightly plan that matched my pay cycle. Done in ten minutes, midnight, no phone call.”
Marcus T.
Customer, Melbourne
Customer
“The compliance evidence pack alone justified the switch. When our regulator asked questions, we exported the full account history — every decision, every message, every hold — in minutes.”
David Okafor
Chief Risk Officer, Meridian Bank
Client partner
Book a 30-minute demo, or run a no-obligation champion/challenger placement against your current agency and let the numbers decide.