Credits 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’s no subscription and no monthly fee, you only spend when Gary does something for you.
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, is a flat $10, whatever the invoice size. This is where the value is: you only pay the fee when the money actually comes in.
Your free start
- New accounts start with $15 of balance, enough to run a first customer and land a first payment.
- Your first recovery is free: the starting balance covers the journey to your first win, so you can see Gary work before you spend anything.
Topping up
Top up any time on the Credits 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 5% 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 Credits 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:
- The usual $10 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 Credits 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 Credits 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 Credits 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.