Paybawk
Recover what you're owed

In a flap over your overdue invoices?

We recover your overdue B2B invoices, from automated friendly reminders to legal action awaiting your approval.

Recover what you're owed
Example · overdue invoice to paid
INV-20431 · Orpington Ltd · 47 days overdue
Friendly reminder · day 1 overdueauto · sent
Formal noticeheld · your OK
adds statutory interest + £70 fixed cost · Late Payment Act 1998
Letter Before Action · county courtwith your OK
Henrietta, the Paybawk hen
Bawk! Orpington Ltd paid £4,200
recovered in your name, not ours.

Chasing a customer is the worst part of the job.

Every reminder spends goodwill you can't get back.

Your own sent folder · today
Reminder 1: "just flagging this"sent 14 Apr
Reminder 2: "checking in again"sent 28 Apr
Reminder 3: "please advise"still no reply
INV-20431 · Orpington Ltd · £4,200.00 · 47 days overdue

So you hand it to us, and it comes back paid.

You never send that third reminder again.

The chasing runs on its own, day and night. A person signs off anything legal.

INV-20431 · Orpington Ltd · £4,200 all in your name
Your tone · Day 3
a friendly nudge

"Hi, just a gentle nudge on INV-20431 whenever you get a moment."

Formal tone · Day 21
FINAL NOTICE

"INV-20431 is now 47 days overdue. We are adding statutory interest and the £70 fixed cost under the Late Payment Act 1998."

Settled · Day 34
Bawk! Orpington Ltd paid £4,200

INV-20431 · recovered in your name

Your customer only hears from you.

The B2B customer you'll work with again opens this and sees only you. It comes from your accounts, not a debt agency, so the relationship stays yours.

Henley & Co · [email protected] FINAL NOTICE

To: Orpington Ltd · accounts payable

Invoice INV-20431 for £4,200.00 is 47 days overdue.

Under the Late Payment of Commercial Debts (Interest) Act 1998 we are adding statutory interest at 8% above the Bank of England base rate, plus £70 in fixed recovery costs. Please settle in full to close this account.

R. Hale, Accounts · Henley & Co

Nothing escalates until you say so.

You read every word of a formal notice before it goes, and you can stop the escalation with one click. The friendly reminders keep sending on their own.

Needs your OK · formal notice
Orpington Ltd · INV-20431 · £4,200.00 · 47 days overdue
The agreed date passed and there's no dispute on file. This notice adds statutory interest and the £70 fixed cost, in your name. Approve to send?
Approve & sendEdit first
Sent on their own: Reminder 1 2 3 | Final notice ← held for you

And if nothing comes back, you owe nothing.

10% of what we recover, with no retainer or per-letter fees. Anything they pay you directly costs you nothing.

The usual contingency route
Setup fee
Admin fee, billed even if nothing's collected
Per-letter & Letter Before Action charges
Close-out / withdrawal fee
Minimum charge on small invoices
+ 25–40% of what's recovered
Paybawk
10%
of the cash we actually recover. No setup, no admin, no per-letter fees.
Nothing if nothing comes back.
Typical agency figures; they vary. We charge a percentage of cash actually recovered, never the balance, never a hidden fee.

Our first 50 partners lock 8.5% for life.

Paybawk

Stop chasing. Start collecting.

Get your overdue cash back without being the one who has to chase. You only pay on what we recover.

First 50 founding partners · no spam
Built on the Late Payment of Commercial Debts (Interest) Act 1998. Nothing legal goes out without your yes.
Read-only ledger access · your data stays yours · privacy policy at launch
© 2026 Paybawk · Recover what you're owed