Supermarket · Grocery · Pharmacy
Every loss on your books came with cost before it became a loss — authorization and processing on payments that failed, staff time on balances nobody worked, reconciliation on accounts already written off. We recover more of it, and cost you less getting there.
Authorization. Processing. Deposit and return fees. Collection expense. And only then the write-off. Most recovery vendors work the last line. We take returned checks, ACH returns, and lost chargebacks from every location and every online channel — and on most returned-payment programs, you receive the full face amount of what we recover.
Sign-on bonus clawbacks, educational assistance repayment, payroll overpayments, relocation, and former-employee balances. Hourly turnover makes this a recurring volume, not an occasional exception. The cost isn't only the balance — it's the payroll and HR time spent tracking something that originates in employment law rather than consumer credit, with different remedies in every state. We work them against a state-by-state remedy map. When a former employee contests a balance, the question turns on the repayment agreement and the state's wage law — not on debt validation. We work those disputes on the right framework.
Charged-off and aging customer balances, worked first party under your brand while the relationship is intact and third party when it isn't. Recall any account at any time.
A balance is a balance. We work the amount owed — not the basket, not the prescription, not what was dispensed. Recovery doesn't require line-item detail.
When a specific account needs supporting detail — a dispute, a verification request — we ask for it then, use it for that purpose, and nothing further. If your program requires a different handling standard, we build to it.
Consistency across every store and banner
One process from corporate down to the store, applied the same way across every location and every brand you operate.
Reporting you can act on
Store, region, and enterprise views. Pull what you need, when you need it, without waiting on anyone — and get summarized reporting with recommendations on what the numbers are telling you.
Transparency throughout
Current portfolio access, full audit trail on every account, every interaction on the record.
Pricing that respects the file
On most returned-payment programs, recovery carries no cost to you. Everything else is contingency — you pay on what we collect and nothing on what we don't.
The cost doesn't sit in one department. It sits in four, and each one usually has its own vendor.
HR & Payroll
Sign-on bonus clawbacks, educational assistance and relocation repayment, payroll overpayments, and balances owed by former employees.
Treasury & Payments
Returned checks, ACH returns, and lost chargebacks, in whatever format your bank already sends.
Finance & Collections
Aging and charged-off customer receivables, first-party or third-party.
Legal & Compliance
Escalation, documentation, full audit trail, and state-specific handling on every category.
Most operators come to us for one of these. The engine already runs the other three — same reporting, same contract, same relationship.
Send a month of accounts — returned payments, employee balances, whatever's sitting written off. Your rules, no prepayment, no commitment beyond the file. If your vendor review comes first, we'll start there — NDA, security questionnaire, and a de-identified sample format.
Send a test file