PayRank ingests your portfolio data and applies a proprietary actuarial scoring model to rank every account by payment propensity and revenue potential — giving your team a precise, daily-updated action list that maximizes ROI on every agent hour.
Collection teams work portfolios the same way they always have — FIFO queues, arbitrary segments, gut instinct. The result: high-value accounts go unworked while agents burn time on accounts that will never pay.
Without intelligent prioritization, agents spend up to 60% of their time on accounts with low propensity to pay. Every missed high-value account is revenue left on the table.
Treating a $4,000 account the same as a $200 account — with the same channel, timing, and cadence — is a resource allocation failure hiding in plain sight.
Most agencies can't tell you which accounts were worth working until months after the fact. By then, the opportunity is gone and the decision is already made.
Payment history, skip data, demographics, account age, balance — the signals are there. But without a model to synthesize them, they're just noise.
The PayRank Score (0–9,999) ranks every account by payment propensity within your portfolio — a precise percentile position that tells your team exactly where to focus. The more accounts you score together, the sharper the differentiation.
Statistically highest propensity to pay. These accounts generate over 70% of recoverable portfolio value — prioritize them in every session.
Meaningful recovery potential. Assign to digital outreach cadences — SMS, email, and targeted letter campaigns yield strong returns here.
Minimal propensity. Route to automated workflows or hold. Stop burning agent time on accounts that won't pay — protect your cost-per-dollar-collected.
Connect your existing systems via API secure file/data transfer or web upload. PayRank offers pre-built connectors for Latitude by Genesys, Finvi Artiva RM, Katabat, DAKCS, and more. Your data flows in clean, normalized, and enriched without months of complex onboarding.
Our actuarial AI model evaluates 75+ variables per account — balance, age, payment history, demographics, skip outcomes, prior contact patterns — and assigns every account a PayRank Score optimized for your data.
Every account you provide gets a live score. Your team opens their dashboard each morning to a precision-ordered action list: who to call, who to text, who to send a letter — in the exact order that maximizes ROI.
Track recovery rates, right-party contact rates, cost-per-dollar-collected, and ROI at the account, campaign, and portfolio level. Close the loop and continuously improve.
PayRank was founded by an actuary and a team of collection industry veterans to solve a glaring problem. Where most "AI" tools apply generic machine learning to collections data, PayRank applies actuarial methodologies — the same statistical rigor used in insurance and financial risk modeling — specifically calibrated on collections portfolio behavior.
Built and validated by an actuary with decades of financial risk modeling experience. We don't guess at variables — we prove them statistically on real collections outcome data.
The v1 model was trained on 5.4 million real collection placements, spanning payments, contact history, debtor demographics, and recovery outcomes — not synthetic data.
Every scored account includes SHAP-driven score explanations — the top 3 factors that drove the score up or down, by name and magnitude. No black box.
PayRank's model learns from outcomes across client portfolios — improving propensity accuracy with every payment received, every contact made, every skip traced.
We built the model we always wished we had. One that allows agents to focus on high-value outreach and drastically reduce wasted effort.
A 0–9,999 propensity score for every account in your portfolio. The foundation of intelligent prioritization and the engine behind every ranked action list.
Automatic segmentation by score tier, account type, balance, age, and custom criteria. Clean, actionable segments without manual analyst work or spreadsheet gymnastics.
Real-time visibility into recovery rates, cost-per-collected-dollar, agent efficiency, and campaign ROI — at every level of your organization, updated continuously.
Pre-built connectors for Latitude by Genesys, Finvi Artiva RM, Katabat, HES FinTech, DAKCS, and Columbia Ultimate. RESTful API for any platform with an endpoint. Full documentation and onboarding support included — live in days, not months.
Upload your portfolio, see the exact price, pay by card — and download your ranked action list. No contracts, no invoices, no sales calls required.
PayRank is built to slot into your existing stack — not replace it. Pre-built connectors mean your data is flowing and your first ranked action list is ready in hours, not weeks.
Whether you manage 50,000 or 50 million accounts, PayRank scales to your portfolio and gives every agency the analytical capability of a dedicated data science team — without the headcount.
Patient account prioritization that respects the sensitivity of medical debt while maximizing recovery on collectible balances. Built to work within the compliance requirements of healthcare ARM.
Banks, credit unions, and specialty lenders with consumer portfolios that demand precision segmentation, compliance-conscious outreach, and executive-grade ROI reporting.
Upload your portfolio file, see the exact price, pay by card — and your ranked action list is ready before your next morning queue. No demo call. No sales cycle. No waiting.
Upload Your Portfolio →Free up to 500 accounts · Email only — no credit card · Price shown before payment
Running high-volume or need API integration? [email protected]