Leading collection solutions for debt issuers and holders

Retain is built to handle your business’s scale and complexity while optimizing personalized communications to elevate repayments and drive significant ROI.

Explore Your Potential

Debt Buyers

Cure more accounts internally

Automate and digitalize communications and engagement efficiently across portfolios to optimize collections and elevate profitability. 

Collect more in the first 30-60 days of ownership*

Debt Buyers Solution

Card Servicers

Embrace scale and complexity

Replace traditional outreach with high-performance, multi-channel engagement that improves both recovery rates and the customer experience.

24% reduction of card servicers' roll rates when using Retain*

Card Servicers Solution

Credit Unions

Bring more members current

Balance recovery performance with member experience using white-label debt collection software that automates and personalizes member communications and engagement. 

30% increase in repayment rates for Credit Unions using Retain*

Credit Unions Solution

Collection Agencies

Increase inventory liquidation rates

Achieve consistent penetration of account inventories with optimized personal collection communications that are attuned to the uniqueness of every portfolio and account holder.

“Using Retain helped us optimize our communication channels by meeting account holders where they are.” Collection Agency Client*

Collection Agencies Solution

Law Firms

Generate more account payments

Scale collections with automated communications supported by advanced configurable compliance controls to deliver the account holder experience you desire.

6:1 ROI for collection law firms using Retain*

Law Firms Solution

Non-bank Lenders

Reduce roll rates

Collect from a large number of customers with a white-label digital engagement platform built on machine learning to optimize communication without the overhead. 

40% reduction in servicing cost for unsecured debt lenders using Retain*

Non-Bank Lenders Solution
Retain Debt Collection Software vs. Traditional Outsourcing
Feature Comparison Retain Debt Collection Software Traditional Outsourcing / 3rd Party
Digital-First vs. Call Center Lower cost, higher customer engagement
In-House Management vs. Outsourced Higher revenue, more control
Self-Optimizing AI vs. Manual Segmentation Continuously learns, improves repayment
Scalable SaaS vs. Per-Account Agencies Predictable pricing, no headcount scaling

Compliant by Design,
Informed by Legal
Experts

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State Disclosures

Customize your messaging to match state-level legal requirements

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Privacy-First & Scalable

Our platform respects customer consent, unsubscribe rules, and channel preferences

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Verified Security

PCI DSS Web Compliant and ISO 27001 certified

Powerful Solutions. Better Performance. Get Retain