| What it does | AI debt collection software that scales teams, sharpens targeting, and outperforms agency-led models
| Non-custodial crypto checkout where customers pay with any token and merchants receive USDC or USDT in their own wallet
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| Stage | Established
| Startup
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| Founded | Not given
| 2026
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| Based in | US
| US
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| Pricing model | Contact for pricing
| Freemium
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| Pricing | Not given
| Test mode: free. Live payments: 0.7% per completed payment. No monthly or setup fee.
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| Key features | - Collection Intelligence: decisioning, journey design, and optimization for smarter collections
- Specialized AI agents coordinating decisions, conversations, and learning across seven specialist roles
- Omnichannel outreach via voice, SMS, email and chat
- Built-in compliance with FDCPA, TCPA, Reg F, HIPAA, SOC 2 Type II, PCI-DSS, UDAAP, HITECH
- Real-time propensity scoring and account intelligence
- Skip-tracing and contact recovery for unreachable accounts
- Performance coaching and quality management at scale
- Integration with CRMs, dialers, payment systems, and data sources
- Real-time performance insights and analytics
- Pre-call account scrubbing with DNC, bankruptcy, statute of limitations checks
| - Hosted checkout sessions for stablecoin payments
- Direct settlement to merchant-controlled wallet
- Independent onchain payment verification
- Signed webhook notifications with retry delivery
- JavaScript and React SDKs for integration
- Separate test and live payment modes
- Payment links, invoices, and API-based checkout creation
- Dashboard with payment records and settlement wallet settings
- API playground for testing checkout flows
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| What makes it different | - AI-native since 2016, a decade of head start on teams retrofitting AI today
- Performance-based contingency models that align incentives
- Compliance built into the core, not bolted on
- End-to-end ownership from integration to performance, fully automated and auditable
- Deep focus on collections recovery, not a generalist platform
| - Non-custodial: Payclave never holds funds or private keys; settlements go directly to the merchant's own wallet
- Accept any token: customers pay with whatever supported token they already hold without bridging or swapping
- Simple flat 0.7% pricing with no monthly fee, setup fee, or payout fee
- Independent onchain verification before marking payments as complete
- Developer-friendly with published API, SDKs, and comprehensive guides for integration and reconciliation
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| Free plan | Not given
| Not given
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| Open source | Not given
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| Platforms | Not given
| Not given
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| Public API | Not given
| Not given
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 57 ● no change since last check | Not checked yet ● no change since last check |
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| Trust Flow (Majestic) | 12 | 0 |
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| Citation Flow (Majestic) | 27 | 0 |
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| Referring domains (Majestic) | 311 | 2 |
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Skit.ai
Payclave