Balance and billing
Gary runs on a prepaid balance. You top it up in dollars, and Gary charges each call and recovery to it as he works. There is no monthly subscription and no lock-in contract — you only spend when Gary does something for you.
No subscription, no lock-in
- No monthly fee. Nothing leaves your account on a schedule. A month where Gary makes no calls costs you nothing.
- No plans or tiers. There’s nothing to choose between and no upgrade that unlocks more. Your rate card doesn’t change with how much you chase.
- No contract to sign. There’s no fixed term, no notice period and no cancellation fee. Stop whenever you like; there’s nothing to cancel.
- Your balance stays yours. It doesn’t expire and it isn’t used up at the end of the month, so a top-up you haven’t spent is still there when you come back.
What Gary charges
- A connected call: when Gary reaches a person, costs about $0.36, and up to $1.60 for a long call. That’s our cost of running the call, nothing on top. Calls that don’t connect (no answer, wrong number) are free.
- A recovery: when Gary gets one of your invoices paid, costs 2% of the money that comes in, with a $20 minimum. So a $600 invoice costs $20, and a $5,000 invoice costs $100. This is where the value is: you only pay the fee when the money actually arrives, and only on the part Gary chased — if you had already been paid half before he rang, the fee is on the half he recovered.
If you joined before August 2026 your recovery fee stays flat — $10 or $20, whichever you signed up on. The price you signed up on doesn’t change. Your Billing page always shows the fee you actually pay.
Your free start
- New accounts start with $25 of balance, enough to run a first customer and land a first payment.
- Your first recovery is free: the starting balance covers a typical first win — the fee plus the calls it takes — so you can see Gary work before you spend anything. A first win on an unusually big invoice can cost more than the starting balance, because the fee scales with what comes in.
Topping up
Top up any time on the Billing page. Payment is handled securely by Stripe, pay by card or NZ bank direct debit, whichever suits. Your balance lands straight away either way; a bank debit that later fails is reversed. All prices include GST.
| Top-up | You get |
|---|---|
| $25 | $25 of balance |
| $50 | $50 of balance |
| $100 | $100 of balance |
One flat rate, every dollar you put in is a dollar Gary can spend. Pick the amount that suits; there’s nothing to count and no discount to chase.
Auto top-up (optional)
So Gary never stops mid-chase, you can save a card or bank account and let him top up automatically when your balance runs low. You set the trigger and the amount.
Auto top-up only ever charges while Gary’s fees stay under 10% of the invoice value he’s recovered for you, so you’re always well ahead. There’s also a cap of a few top-ups a month. You can switch it off any time on the Billing page.
Card payments on a call (pay by phone)
Where it’s switched on, a customer who says “I’ll pay it now” can pay by card during Gary’s call. They type the card number on their phone’s keypad, nothing is spoken aloud, and the money goes straight to your bank account, in full. Gary never holds it.
The costs stay simple:
- Your usual recovery fee applies once the invoice is paid, same as any other recovery.
- The card processing cost (about 2.9% + 30¢, plus Twilio’s small per-payment fee) is added to your customer’s total, so they cover it. You receive the invoice in full and pay nothing for card processing. On a $1,000 invoice your customer pays about $30 on top; the figure is shown before you enable the feature and again on the call before they pay.
- The card fee never touches your balance, so a low balance can’t stop a willing payer.
Set it up on the Billing page, a short verification form (legal name, NZBN, bank account) and you’re away.
Running low
When your balance is low, Gary shows a nudge on the dashboard and the Billing page. If you run out and haven’t set up auto top-up, Gary pauses new calls until you top up, he never goes into the red on your behalf.
Seeing where your money went
The Billing page shows your running balance and a list of every charge in and out, top-ups, calls, recoveries, and any gifts or referral rewards, so it’s always clear what you paid for.