BineClaim never takes a percentage of what you recover.
A collection agency takes over the chasing and keeps a share of whatever it collects. BineClaim keeps you in control of the relationship: you send the letters, offer the payment link, and keep the full amount the client pays. The flat fee never changes with the size of the invoice.
| BineClaim | A collection agency | |
|---|---|---|
| How you pay | Flat fee: $0 Free, $19/mo Starter, $39/mo Pro, or $49 once for one case. | Contingency: the agency keeps a percentage of what it collects. The share is set in the agency's contract. |
| What you keep | Everything the client pays. BineClaim never takes a percentage of what you recover. | The amount collected minus the agency's cut. |
| Who contacts your client | You do, in your own name, with letters, SMS and email drafted for you. | The agency, in its name. The client knows the account has gone to collections. |
| If the client ignores the letters | Escalate to certified mail, report the business to Dun & Bradstreet or Experian (Pro), then generate a 15-section small-claims court packet and file it yourself. | The agency continues contact; whether it sues depends on the agency and the size of the debt. |
| Business credit reporting | Pro plan reports non-paying commercial clients to Dun & Bradstreet or Experian Business. | Many agencies report to credit bureaus as part of their process. |
| Client relationship | You decide the tone at each stage and can offer a payment plan or early-payment discount directly. | Handled by a third party; harder to keep the client afterwards. |
| Best for | Invoices you want to recover yourself while keeping the full amount and the relationship. | A large volume of old accounts you have given up on, or debts you don't want to spend any more time on. |
The letters create a documented paper trail that strengthens any future legal action, including small claims court. Many clients pay when they receive a formal written demand, especially by certified mail, because it signals you're serious. If they still don't pay, BineClaim generates a complete 15-section court packet ready to file in small claims court, and the Starter and Pro plans include an attorney referral guide for cases that need a lawyer. BineClaim does not guarantee recovery.
No. BineClaim is a flat fee: $0 on the Free plan, $19/month on Starter, $39/month on Pro, or $49 once for a single case. BineClaim never takes a percentage of what you recover. Card processing (Stripe), certified mail postage and court filing fees are charged separately at cost.
No. BineClaim is self-help software built and operated by BineCloud LLC. It provides templates, checklists and workflows; it does not give legal advice and is not a substitute for an attorney.