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Night and day.

How a B2B payments platform for service businesses replaced its collections agency with an API call.

A collection operation behind the button.

Alternative Payments provides the customer’s starting point. Modern Collections takes the collection placement, works the account and returns the records that keep the product up to date.

  1. Alternative Payments

    The creditor chooses overdue invoices and authorizes collection. The platform sends the invoice and supporting information.

    Invoice handoff

  2. Modern Collections

    We contact the debtor as Modern Collections, handle the collection work, and keep the conversation and decisions on the file.

    Collection work

  3. Back in Alternative Payments

    Activity, payment and remittance updates return through the API and webhooks. The creditor can follow what happens next.

    Returned records
Outreach starts after creditor verification and a fresh compliance decision. A payment received and a remittance to the creditor are separate updates.
Explore the API handoff Open a collection file

The button was easy. What happened after the click was not.

Alternative Payments runs receivables for more than a thousand service businesses. In late 2023 it launched Collections Assist: when an invoice goes unpaid past thirty days, the customer can send it to collections in two clicks. The product side was simple. The hard part was the agencies behind the button.

What went wrong, every time.

  • Days, sometimes weeks, before the agency acknowledged a placement.
  • A 25–50% contingency on whatever came back.
  • Small balances refused outright, which was most of the book.
  • A monthly PDF instead of a live file.
  • No API. Every placement was an email and a spreadsheet.
  • A customer asks what was said to their debtor. Nobody can answer.

None of it was about the debtor. It was about an industry built around the agency’s convenience: intake by email, pricing by size, reporting by month. For a platform whose whole product is a real-time ledger, it was the wrong shape.

The handoff became an API call.

  • Placed over the API the moment the customer clicks.
  • Debtor enriched; outreach starts after creditor verification and a fresh compliance decision.
  • AI voice and email run the strategy. A dispute pauses everything.
  • The debtor pays in the portal. Payment and creditor remittance are tracked separately.
  • Status flows back over webhooks and shows up in the product.
  • Every call, email, and decision sits on the file for anyone to read.

Alternative Payments stays the product. Modern Collections is the third-party agency behind it, contacting debtors under the Modern Collections name. Their customer never has to learn a second system, and Alternative Payments shares in the fee on every recovered dollar.

Night and day.

Ask the team at Alternative Payments how the new handoff compares to the old one and you get those two words. First contact the same day instead of weeks later. Every balance worked, not just the big ones. When a customer asks what was said to their debtor, the answer is on the timeline, in the product, before they finish asking.

Deeper into the product.

The next step is deeper integration: creditor-facing surfaces and onboarding inside the Alternative Payments flow. The same collection handoff is available to other platforms that hold B2B invoices.

Partner with usSee the side by side

Your platform holds invoices. Give them somewhere to go.

Walk through your invoice flow, where collections would sit in your product, and how the integration and revenue share work.

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