The verdict in three sentences
Vertical collection software (35 to 110 CAD per seat per month) manages cases but leaves too much manual dunning and little debtor self-service. A custom tool at 50,000-110,000 CAD automates multichannel dunning, payment plans, e-signature and a debtor/creditor portal. The measurable effect is direct: a recovery rate up 10 to 25% pays for the tool within months.
Recovery gains
| Metric | Before | After custom tool |
|---|---|---|
| 90-day recovery rate | 42% | 54% |
| Average collection cycle | 78 days | 46 days |
| Dunning actions / agent / day | 35 | 120 |
| Share of self-service payments | 8% | 41% |
| Processing cost per case | 22 CAD | 11 CAD |
| Disputes resolved < 15 days | 31% | 63% |
Cost per workflow
| Workflow | Scope | 2026 order of magnitude |
|---|---|---|
| Automated multichannel dunning | Email, SMS, mail, sequences | 10,000 - 18,000 CAD |
| Payment plans & schedules | Negotiation, tracking, alerts | 8,000 - 15,000 CAD |
| Debtor/creditor portal | Lookup, online payment | 12,000 - 22,000 CAD |
| E-signature & documents | Protocols, e-sign | 7,000 - 14,000 CAD |
| Bank integration & reconciliation | Receipts, matching | 8,000 - 16,000 CAD |
| V1 total | 45,000 - 85,000 CAD |
Mini case study
Jean, a partner in a 12-person collection agency in Montreal, manages 8 M CAD of receivables. His custom tool at 72,000 CAD lifts the 90-day recovery rate from 42% to 54%, i.e. +12 points on the book: roughly 960,000 CAD more collected over the year. At an average 12% commission, that is 115,000 CAD of extra fees. The tool pays back in under eight months.
FAQ
Is automated dunning PIPEDA and regulation compliant?
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Yes, provided mandatory notices, legal timeframes and traceability are respected. The tool timestamps each action and keeps proof of sending, useful in disputes.
Does the debtor portal accept online payments?
Yes, via integration of one or more payment providers, with automatic reconciliation of receipts to the relevant case.
How long to deploy the tool?
A V1 with dunning + payment plans + portal takes 12 to 18 weeks. Bank integration and e-signature add 2 to 4 weeks.
Can we connect our existing accounting software?
Yes, via API or structured export, to sync receipts, fees and provisions without double entry.
How is financial data secured?
Regional hosting, encryption at rest and in transit, granular access rights and logging. A security audit before go-live is recommended.
Let's scope your project. Custom collection software: multichannel dunning, payment plans, debtor portal and e-signature, indicative budget 50,000 to 110,000 CAD, V1 in 12 to 18 weeks. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
