# PAYBAACK.

> PAYBAACK is a human-reviewed, AI-assisted accounts-receivable desk for overdue, undisputed B2B invoices.

## What PAYBAACK does

- Starts with one authorized late B2B invoice; no ERP integration is required for the private beta.
- Prepares and tracks polite, approved payment follow-ups.
- Logs outreach, responses, payment promises, and next actions.
- Escalates disputes, legal issues, missing facts, changed amounts, and requests to stop contact to the creditor.

## What PAYBAACK does not do

- It is not a law firm, debt buyer, or consumer-debt collector.
- It does not give legal advice, threaten debtors, invent facts, negotiate disputes autonomously, or process card/bank credentials.
- It does not claim collection results until they are verified by the customer.

## Best fit

US B2B service businesses with an overdue invoice that has a clear balance, named customer contact, payment path, and no active dispute. Initial focus: marketing and creative agencies with 5–30 employees.

## Private-beta intake

Provide: creditor legal name, invoice number and balance, due date, debtor contact, payment link/instructions owned by the creditor, relevant documents, known context, and express authorization for contact.

Do not provide bank credentials, card numbers, or sensitive personal information in an initial request.

## Pages

- [Landing page](https://paybaack.com/): product overview and private-beta request.
- [AP agent experiment](https://paybaack.com/ap.html): an early concept for accounts-payable teams to receive, route, and answer vendor invoices. It does not make payment decisions or change vendor payment details.
- [Agent-readable status](https://paybaack.com/agent.json): capabilities and current limitations.