The agent that settles it before the deadline.
Setliva is an AI agent for revenue recovery. It reads the evidence, decides the next move inside your policy, and produces the representment or the reminder that move requires — every claim traced to a record.
Pay only on recovered value · no seat licence · no minimum
RCV-8821 | 141 days past due | To a human |
RCV-8803 | 74 days past due | To a human |
RCV-8819 | 67 days past due | To a human |
RCV-8825 | 58 days past due | Payment plan |
RCV-8807 | 38 days past due | Email reminder |
RCV-8823 | 33 days past due | WhatsApp nudge |
DSP-4402 | Window closed | Accept liability |
Money clawed back, and money still owed.
Disputes and receivables share one shape: a deadline, a pile of records, and a decision that has to stand up afterwards. Setliva works both from the same queue.
Chargebacks and disputes
You get one representment per dispute. Setliva spends it only where your evidence clears a floor of 58/100, and concedes the rest before they cost you a pre-arbitration fee.
How disputes workOverdue invoices
It scores each payer's propensity to settle on their own, leaves reliable customers alone, and sequences the rest across email, WhatsApp and phone — within consent and contact caps.
How receivables workFive stages the agent runs on every case.
Open any decision and see the records it read, the weight on each fact, and why. The working is on the page rather than behind it.
- 01Extract
Reads carrier documents, processor responses, ledgers, CRMs and chat threads, and turns each record into a fact that cites its source.
- 02Weigh
Scores those facts against your thresholds. Corroborating evidence discounts rather than stacks.
- 03Decide
Picks the next action — with 15 hard gates that no score can outvote.
- 04Produce
Drafts the representment or the next message from the evidence, every sentence bound to a fact it can prove.
- 05Self-check
Refuses to release anything it cannot trace back to a record on the case.
- +10AVS full matchEV-4417-02
- +3.2CVV2 matchEV-4417-02
- +28Signed delivery to the billing addressEV-4417-03
- +7Terms accepted at checkoutEV-4417-06
- +18Receipt acknowledged in writingEV-4417-05
Decisions your finance and risk teams can defend.
Recovery work is regulated, audited and argued over. Setliva is built for the person who has to sign the escalation.
Hash-chained audit trail
Every event commits to the one before it. An edit or deletion breaks verification of everything after.
Consent is a gate, not a warning
Reg F contact caps, per-channel consent and local contact windows suppress outreach outright.
Your thresholds, not a black box
Every number the agent decides against is on one page, readable by the person accountable for it.
Self-check before release
Citations, signals and every monetary figure must resolve to a record, or nothing goes out.
People sign the big ones
Above your value ceiling the packet is assembled and routed to a reviewer to approve or override.
Autonomy with a hard boundary
The agent reads, scores and drafts — it never decides alone. A disqualifying fact overrides the score, and the same case always produces the same digest.
A share of what it recovers. Nothing otherwise.
5–20% of recovered value, banded by volume and mix. If a month recovers nothing, it costs nothing.
- No seat licence, platform fee or minimum
- Unlimited users, cases and policies
- Disputes and receivables on one contract
- Displaces an analyst at ~22 minutes a case, or an agency taking 25–35% of face value
Recover what you are already writing off.
Open the demo workspace and work a real queue end to end — the evidence, the decision, the representment it produces. No card, no call.