Collect!

Collect! is receivables software for collection agencies, credit unions, and billing offices that need to coordinate account work, payments, and reporting. It is most compelling for established teams with complex workflows and compliance needs; its steep entry price and Windows-only operation rule it out for many smaller or platform-diverse organizations.

Overview

Founded in 1988 and based in Victoria, British Columbia, Collect! brings case management, communications, account workflows, and payment tools together. Client and consumer portals support account visibility, document exchange, self-service payments, and payment plans, giving both sides a route to handle routine account activity without relying entirely on staff.

Configurable work queues and business rules can reflect an organization's collection processes. That flexibility is useful where collector tasks need structure, but Collect! is a substantial operating platform rather than a lightweight billing add-on.

Key features

Workflows, portals, and integrations

Task queues and business-rule automation organize collector work and account handling. The portals extend that workflow to clients and consumers, with practical functions for documents and payments. Collect! also lists more than 50 integration partners across payment services, dialers, messaging, letters, scoring, and credit reporting. That range is relevant to operations that need to connect multiple parts of collections work, although the partner count alone does not establish that any particular integration will meet a buyer's needs.

Compliance and credit reporting

Version 13 includes features for CFPB Regulation F and built-in controls for FDCPA, TCPA, and state-level rules. These controls make the product a stronger candidate for teams that need compliance considerations embedded in collection workflows, but they do not remove the need for an organization's own compliance oversight.

Collect! can furnish account data to Equifax, Experian, and TransUnion in Metro 2 format and keep an audit trail. That is a useful combination for organizations that report to credit bureaus and need a record of that activity.

Security and support

Application measures include database or column-level encryption, operator access restrictions, multifactor authentication, and activity logging. Cloud sites run on dedicated virtual machines in a Tier 3 AWS data center, with encryption at rest and in transit. Comtech says it completed a SOC 2 Type II audit in 2023 and has been HIPAA compliant since 2015; a business associate agreement is available on request. Payment handling uses tokenization, does not store card information, and relies on PCI-compliant processors.

Development and support are handled in-house. Support tickets, documentation, training videos, and remote assistance give teams several support routes.

Pricing

Collect! is paid software with no free plan. Cloud pricing starts at $699 a month. All six listed cloud plans have included-user and debtor-account limits; additional users cost $104 per month on monthly plans or $1,040 per year on annual plans.

PlanPriceIncluded capacityEntrepreneur (monthly cloud)$699 a month3 users, maximum 10 concurrent users, 100,000 debtor accountsProfessional (monthly cloud)$2,400 a month10 users, unrestricted concurrent users, 500,000 debtor accountsCorporate (monthly cloud)$4,995 a month20 users, unrestricted concurrent users, unrestricted debtor accountsEntrepreneur (annual cloud)$6,990 a year3 users, maximum 10 concurrent users, 100,000 debtor accountsProfessional (annual cloud)$24,000 a year10 users, unrestricted concurrent users, 500,000 debtor accountsCorporate (annual cloud)$49,950 a year20 users, unrestricted concurrent users, unrestricted debtor accountsEntrepreneur is the entry point for smaller collection teams that fit within its account ceiling and concurrent-user cap. Professional removes the concurrency restriction and raises the account allowance, making it more suitable for growing operations. Corporate is the only listed tier with unrestricted debtor accounts, aimed at organizations that have outgrown fixed portfolio limits. Annual plans carry the same included capacities as their monthly counterparts, but require an annual payment. The 30-day cloud evaluation site is personalized and costs nothing; it requires no download or installation.

Platforms

Collect! currently runs only on Windows, a decisive constraint for teams expecting native use across other desktop environments. The maker describes cloud access and an API-first migration, but the Windows-only system requirement remains important for evaluating deployment fit.

Who it's for

Collect! suits collection agencies, credit unions, and billing offices that need configurable collector workflows, debtor portals, compliance controls, and credit reporting in one system. Its upper tiers fit larger account volumes and teams, while the Entrepreneur plan gives smaller operations a defined starting capacity. Organizations with limited software budgets or a requirement to run the application outside Windows should look elsewhere.

Pros and cons

Pros: Client and consumer portals cover account access, documents, self-service payments, and payment plans, helping move routine account tasks beyond staff workflows.

Pros: Metro 2 reporting to all three major bureaus with an audit trail serves organizations that furnish account data.

Pros: Listed security measures include multifactor authentication, encryption, activity logging, and tokenized payment handling.

Cons: The $699 a month starting price is a significant commitment for smaller operations.

Cons: Entrepreneur caps the operation at 100,000 debtor accounts and 10 concurrent users; higher tiers cost substantially more.

Cons: The software currently runs only on Windows, limiting its fit for organizations with other desktop requirements.

Alternatives

Debt Collection Software is a useful starting point for comparing collection products across the category.

Consider CGI Advantage if mobile platform support matters: it runs on Android, iOS, and web, with custom pricing and a demo or team conversation as the next step.

Easy Collection is another paid option with Android and web support and a free trial. Its listed Elite, Ultimate, and Lite plans specify user or campaign allowances, while prices are custom.

Pamar Collections is a paid alternative for buyers considering web and Windows platforms.

ServoCollection is a paid alternative with Android and iOS support.

For a much smaller live-case requirement, Collections Cloud has a Level 1 – BASIC plan at £39 a month for up to 5 live cases and 1 user; it also offers a free trial.

CollectOne is a paid web-based alternative.

Prodigal is a paid API and web alternative with custom pricing.

SmartinfoLogiks Debt Collection Software is a paid alternative supporting Android, iOS, and API platforms.

Verdict

Choose Collect! if your collections operation needs configurable workflows, debtor self-service, compliance controls, and bureau reporting in one platform, and its account tiers and Windows requirement fit your setup. Its strongest reason to buy is the breadth of collection-specific functions; its strongest reason to look elsewhere is the high starting cost, especially if your team needs more than the entry tier's capacity or cannot operate on Windows.