Kobana

Pay for what the workflow does for you

Base subscription + a fee per charge active in the workflow. No lock-in contracts, no hidden fees. Outreach channels use the providers you already have.

Pricing
Dunning dashboard with portfolio KPIs

How our pricing works

A simple two-part model: base subscription + usage per active charge.

1

Base Subscription

Covers the platform: unlimited workflows, debtor portal, contact compliance, audit and API. Varies by plan according to the size of your operation.

2

Usage

A fee per charge active in a workflow during the month. A charge paid or closed at the start of the cycle doesn't count. The higher the volume, the lower the unit price.

What we don't charge for

  • Per team member (on the Growth and Enterprise plans)
  • Per message — sending uses your own email and SMS providers
  • Cancellation fees — no lock-in

Included in every plan

Essential features available no matter which plan you choose.

Unlimited dunning workflows
Unlimited customers and charges
Versioned workflows with full telemetry
Contact compliance (legal window by state, limits, suppressions)
Secure debtor portal
Agreements with simulator and recorded acceptance
Disputes with SLA
Append-only audit log
Full API v1 and webhooks
Portuguese-language support
LGPD compliance

Compare plans

Choose the plan that fits the size of your portfolio.

Starter
For teams just getting started with structured collections.

Ideal for: Up to 500 active charges/month

Included:

  • 1 active workflow
  • 2 dashboard users
  • Email as the outreach channel
  • Debtor portal
  • Email support
Most popular
Growth
For operations that collect every day.

Ideal for: Up to 5,000 active charges/month

Included:

  • Unlimited workflows
  • Unlimited users
  • Email + SMS + WhatsApp
  • Agreements and disputes with SLA
  • Automatic payer classification
  • Full API and webhooks
  • Priority support
Enterprise
For large portfolios and custom requirements.

Ideal for: Volume on request

Included:

  • Everything in Growth
  • Negative credit reporting and formal notice with review queue
  • Custom contact policies per account
  • Dedicated support SLA
  • Assisted onboarding with portfolio migration
  • Higher API rate limits

Pricing available on request — the final price depends on your active charge volume and the channels you use. Talk to us

Optional add-ons

Extra capabilities to power up your collections operation.

Managed Outreach Channels
Don't want to set up SendGrid or Twilio yourself? We operate the channels for you, passing through the per-message cost transparently.

Available: All plans

Negative Credit Reporting & Formal Notice
Forwarding to credit bureaus and notary offices, with a legal hold and mandatory human review.

Available: Enterprise

Assisted Onboarding
Portfolio import, workflow design and team training with our team.

Available: Growth and Enterprise

Pricing FAQ

Ready to put your collections on the right track?

Schedule a demo with a full portfolio scenario and get a proposal tailored to your operation.