Recover your clients' unpaid invoices with AI, directly from Pennylane
The AI debt recovery tool for accountants. PACTE law mission (art. 37). AI calls, SMS, email, payment links. 40% of cases resolved without human intervention.
For accounting firms and outsourced CFOs.
A legally authorized mission, yet barely used
Since article 37 of the PACTE law (May 22, 2019), accountants can recover their clients' debts. Out of 21,000 firms in France (CSOEC), fewer than 5% have activated this mission, due to lack of suitable tools.
The PACTE law opens recovery, but no one uses it
The PACTE law allows you to collect on behalf of your clients. Fewer than 5% of firms have activated this mission, due to lack of suitable tools.
Unpaid invoices, the number one problem for your SME clients
25% of business failures in France are caused by unpaid invoices (FIGEC). Your clients lose revenue and cash flow. You see the problem in their accounts, but have no solution to offer.
No resources to chase payments
Calling debtors, tracking payment promises, sending formal notices: no firm has a dedicated recovery officer. The mission remains theoretical.
No recovery tool in the accounting stack
Your accounting software handles invoicing, not recovery. There are no reminder scenarios, no automated calls, no payment links integrated into your stack.
Generate recurring revenue for your firm, without hiring.
"From mere observers of the collection of receivables on their clients' accounts, accountants thus become true actors in the process. This will spare the client from resorting to a judge and help preserve, as far as possible, peaceful commercial relations between the parties."Rémy Seguin, then Vice-President of CSOEC, during the PACTE law vote (2019)
Activate recovery from Pennylane
Overdue invoices sync automatically. One click starts a multichannel reminder scenario. Collections reconcile in real time in your client's accounting.
- Overdue invoices imported automatically from Pennylane
- SMS, email, AI calls, RCS, registered mail reminders
- Automatic reconciliation: payments matched in real time
- Direct payment to the client's bank account
- Zero re-entry, zero export, zero friction
Scenario: overdue client invoice
An AI agent that preserves the commercial relationship
The AI agent adopts a friendly, professional tone. It qualifies the reason for delay, proposes a payment plan and sends a payment link. Your clients keep their customers.
- Friendly tone: payment deferrals, installment plans, support
- Reason qualification: oversight, dispute, tight cash flow
- Secure payment link (Stripe, GoCardless SEPA)
- Dispute escalation to stop reminders
- Less than 1% hang-up rate when the debtor is supported
Measure your return on investment in real time
Every case handled by AI generates fees for your firm. The dashboard centralizes your KPIs: resolution rate, amounts recovered, ROI per client.
- Real-time case tracking: contacted, promise, resolved
- Recovery curve by scenario and by client
- Portfolio analysis by receivable aging
- Automatic calculation of fees generated by the mission
- PDF export to present results to your clients
Estimate your new revenue
* Fees estimated at 10% of amount recovered. The rate is set by the firm in the engagement letter.
What accountants are saying
Compliant, secure, connected
Hosted in France, bank-level encryption. Strictly pre-litigation scope, compliant with the 1945 Ordinance.
Activate recovery for your clients
Start with 5 to 10 clients. Pennylane integration in a few clicks. Measure results before rolling out to the entire portfolio.
Frequently asked questions
They integrate with GetBill
