Kept's AI recovers your overdue invoices for a flat subscription — taking zero cut of what it collects. We're your collections agency too, so you're covered end-to-end — with a 20% collections fee only on what we can't save. Every Save is 20% you keep.
Accounting-software reminders are generic and toothless. Collections agencies are expensive and late. Both leave money on the table.
QuickBooks and the rest fire the same generic email into the void — same message, same time, no leverage — until an invoice quietly ages out to 120–180 days.
Hand it to a traditional agency and they take 20–50% of whatever they recover. You lose a huge cut of money you were already owed.
Agencies engage after 90 days — right when collectibility craters from ~90% to ~35%. You pay the biggest cut on the hardest money.
Kept flips the collections model. You pay a predictable subscription, and we take nothing from what we recover before collections. The only fee you'd ever pay is on the accounts we couldn't save.
Kept reads the signals your accounting software ignores and turns them into perfectly-timed outreach — escalating honestly toward a resolution before default.
Sync your accounting software and CRM in minutes. Kept sees every open invoice and aging bucket.
It reads payment history, email opens, contact changes, customer health and touchpoints.
Kept sends the right message to the right contact at the right moment for each stage — warm to firm.
An honest signal that collections and loss of access are next closes the Save — and you keep every dollar.
Kept does the work a full-time AR or collections specialist would — the monitoring, the timing, the follow-ups, the escalation — automatically. No one on your team chasing invoices instead of doing their real job, and no new headcount to add as you grow.
Engagement timing is the single biggest driver of how much gets collected — so the earlier we start, the higher your Save Rate. Every plan takes 0% of what it recovers.
Put in your own numbers. We'll show the cash Kept recovers at zero cut, the agency fees you avoid, and what lands back in your pocket.
Estimates for illustration. Save Rate climbs the earlier Kept engages — adjust the sliders to model your own assumptions.
"Kept got invoices paid that were heading straight for a collections agency — before we'd have handed over a big fee. It caught them while they were still collectible."
"Our accounting-software reminders weren't doing much. Kept knew when and how to reach each customer and stayed professional — so we kept the relationship and got paid."
"The flat fee is what won us over. We're not losing a chunk of every recovery to a contingency cut."
Collections is a failure state — you've already lost the money and the cut. Kept fights the battle upstream, where you still win.
The ~30–120 day zone where an invoice is still 60–97% collectible and a flat fee beats handing over a cut. Kept lives here.
A recovered invoice that never went to collections. Every Save is money — and a customer relationship — you kept.
Firm, honest, never abusive. The behavioral lever that turns a reminder into a payment — before default.
You pay a fee only when we can't save it. Every account we do save is 20% that stays in your pocket.
It's the window before an overdue invoice goes to a collections agency — roughly 30 to 120 days past due. In that window an invoice is still highly collectible; once it ages past 90 days, collectibility drops off sharply. Kept works that early window so you get paid before it ever reaches an agency.
A traditional agency charges a 20–50% contingency fee — on the hardest-to-collect dollars, after the money has already aged. Kept engages earlier, recovers at a flat subscription with 0% taken from what it collects, and only acts as your collections backstop (at a flat 20%) if a pre-collections save fails. Every save, you keep in full.
A flat monthly or annual subscription that scales by how early we engage — see the pricing section for the current tiers. We take 0% of what we recover before collections. The only time a fee applies to a recovery is the 20% collections fee on invoices we can't save.
No — that's the whole point of working pre-collections. Outreach is professional and well-timed, not the aggressive dunning an agency uses on aged debt. The goal is to get you paid while keeping the customer relationship intact.
Your accounting and CRM systems — including QuickBooks, Xero, NetSuite, Salesforce, and HubSpot — so Kept can see your open invoices and aging automatically. Setup takes minutes.
Connect your accounting software and CRM, and Kept immediately sees your open invoices and aging buckets. From there it monitors accounts and steps in at the right moment. Request a demo to see it run on your own numbers.
Kept connects to your systems through secure, permissioned integrations and uses your data only to recover your invoices — we never sell it. See our Privacy Policy for details.
See how much you'd keep on your own overdue invoices. Tell us where to reach you and we'll set up a quick demo.
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