Credit Collections Pricing
Performance-based pricing. Pay only on successful recovery.
No upfront costs, no monthly fees. Our success fee model aligns our incentives with your results. Industry-leading recovery rates with 100% FDCPA compliance.
Success Fee Structure - Pay Only When We Collect
Automated CollectionsCORE
AI-powered dialing, payment negotiation, FDCPA compliance documentation
22%
success fee on recovery
Dispute Resolution
Automated dispute handling, validation, and resolution workflows
18%
success fee on recovery
Payment Plan Setup
Automated payment plan negotiation and enrollment
15%
success fee on recovery
Compliance Monitoring
Real-time FDCPA/FCRA compliance, call recording, documentation
$0
included with any module
Complete Collections Suite
All modules + priority support + dedicated account manager
22% average fee
18%
Blended rate (18% savings)
Volume-Based Success Fees
$0-$1M annual recovery22% success fee
$1M-$5M annual recovery20% success fee9% savings
$5M+ annual recovery18% success fee18% savings
Traditional Collections Costs
Setup & software fees$15k+
Monthly platform costs$8k/mo
Commission rate25-40%
Annual overhead$111k+
Sparkco Collections Cost
Setup & software fees$0
Monthly platform costs$0
Success fee rate18-22%
Annual overhead$0
Risk-Free Trial Terms
GUARANTEE
+34% recovery minimum
Recovery rate must improve 34% or no fees charged
TIMELINE
60-day evaluation
Full performance assessment period
COMMITMENT
No contracts required
Cancel anytime with 30-day notice
Fee Protection Policy
Early Adopter Protection
Current success fee rates locked for 24 months
Fee Increases
Capped at 2% annually for predictable costs
60-day guarantee
•No contracts
•Zero upfront costs