Conversations that collect, automatically
Clara's AI voice agents make natural-sounding calls while conversational SMS handles text-based outreach. Every interaction is compliant, recorded, and learns from outcomes.
Compliance on autopilot, coast to coast
Pre-loaded rules for FDCPA, TCPA, Regulation F, HIPAA, and all 50 states. Every call, text, and letter is automatically screened before it's sent.
Work the right accounts first
Our ML models score every account on propensity to pay, optimal contact channel, and best time to reach. Your highest-value accounts get attention first.
Let them pay on their terms
80% of paying consumers prefer self-service. Our portal lets them view balances, set up payment plans, make payments, and file disputes — in English or Spanish.
Everything you need to recover more
Our platform handles the entire collection lifecycle.
Payment Processing
Card & ACH payments via Stripe
Credit Bureau Reporting
Metro 2 reporting to all three bureaus
Settlement Optimization
ML-recommended settlement percentages
Skip Tracing
Multi-provider waterfall lookup with caching
Physical Mail
CASS-certified FDCPA notices via Lob
E-Signature
Digital settlement agreement workflows
Workflow Automation
140+ automated background processes
Client Portal
Real-time visibility for your team
Reporting & Analytics
Custom dashboards, exports, and scheduling
A/B Testing
Thompson Sampling message optimization
Data Import
CSV, Excel, and SFTP automation
Multi-Language
English and Spanish throughout
Built for your industry
Tailored collection strategies for healthcare, financial services, and businesses.
High volume, small balances
Small-dollar self-pay balances overwhelm your billing staff and fall through the cracks.
Patients don't know they owe
Surprise bills and complex EOBs mean patients often don't realize they have a balance.
HIPAA violation risk
Every patient contact is a potential $100–$50,000 HIPAA incident.
more self-pay balances recovered vs. traditional billing follow-up
HIPAA exposure — every patient contact automatically screened
of paying patients complete payment via self-service portal
Why AI-first vs. a traditional agency?
If you already have a collections vendor, here's what changes when AI does the work.
Trusted by healthcare organizations
See why revenue cycle teams are switching to AI-first collections.
“We recovered $240K in the first 90 days — more than the previous agency collected in a full year.”
“Our patients actually prefer it. The self-service portal means fewer complaints and faster payments.”
“Zero HIPAA incidents since switching. That alone made the decision easy for our compliance team.”
You only pay when we collect
No upfront fees. No monthly minimums. No setup costs.
Contingency-based pricing
Typical rates: 15–35% of collected amounts
See ClaraPay in action
Book a 30-minute walkthrough and we'll show you what ClaraPay would recover from your portfolio.
What to expect
Personalized walkthrough
See a demo tailored to your portfolio type
Custom ROI estimate
We'll estimate your recovery improvement
No obligation
Honest answers, no pressure
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