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Modern Collections
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For platforms

The API for B2B debt collection.

Add debt collection to your product. Send us overdue invoices. We handle the collection work and return activity, payment, and remittance updates.

For payments, accounting, billing, lending, and marketplace platforms that handle B2B invoices.

Explore the APITalk integration
What your customer sees

From overdue invoice to recovered cash.

01

Send

Your customer chooses an overdue invoice. Your integration sends the invoice and debtor details.

02

Watch

We check compliance before outreach and work the invoice. Signed webhooks report contact, payment commitments, disputes, and payments.

03

Reconcile

Read payment and remittance records through the API. Distinguish cash collected from money paid out to your customer.

What your engineers see

One request in. Signed webhooks out.

  • REST API with a staging environment
  • Signed webhooks for collection updates
  • CLI and MCP access for your agents
Explore the APIRead the API reference
POST /v1/placements
{
  "invoice_number": "INV-4210",
  "invoice_amount": "4210.00",
  "debtor": {
    "company_name": "Example Supply Co.",
    "primary_email": "ap@example.com"
  }
}

Request body excerpt · Full API reference

placement.first_contactFirst live contact on the placement.
payment.commitment_madeA promise to pay or payment plan was agreed. Money has not necessarily arrived.
placement.paidThe placement is fully paid. This does not confirm a creditor payout.
Three ways to run it

Choose how collections fits your product.

Each creditor completes business verification, the agreement, and payout setup before outreach, through an agreed onboarding flow. We perform the collection work, and debtor communications identify Modern Collections as the collector of record.

Referral

Link out to us.

Customers follow your link to our dashboard to set up their account and submit invoices.

Embedded

Collections inside your product.

Send invoices through the API and show collection updates in your UI with signed webhooks.

White-label

Your brand on the creditor experience.

Put your brand on the creditor experience, including collection status, reports, and remittance summaries.

Economics

Earn revenue from recovered invoices.

Model the revenue your platform could earn from its customers’ overdue invoices. Adjust the volume, recovery rate, and fees.

Explore partner economics
  • Your team: connect invoices to your customer experience.
  • Our team: collect payments and maintain the records.
  • Your partnership: set the fee terms and reporting.
First platform partner
Payments and AR for MSPs · Embedded

Alternative Payments added collections to its payments platform.

More than a thousand service businesses use Alternative Payments. Its customers can now submit overdue invoices for collection directly from the platform.

Read the story

FAQ

Next step

Add the collection step to your product.

Review the API guide, then talk with us about your invoice flow.

Explore the APITalk integration