Pricing

One fee. The whole firm.

A platform fee, a seat fee, and the credits that come with them. No modules to unlock, no “call for pricing,” no consultant on retainer to keep it running. The whole price list is on this page.

Three numbers, and that is the invoice.

Not three plans to choose between. Three parts of one bill — what the platform costs, what a person costs, and how much of Otto’s intelligence comes with it before anything meters.

Platform — $25,000

per month, per firm — billed annually

The entire operating system. Every case, every bank, every jurisdiction you run — one fee, no modules.

Unlimited bank clients & portfolios
Compliance engine — all fifty states pre-configured
Mailroom, Rights Radar & litigation
Glass portals for every bank client
Sealed audit exports, unlimited
Migration & onboarding included

Seats — $49

per seat, per month — billed annually

Every collector, attorney and compliance officer. Your banks log in free.

Full workspace access by role
Microsoft sign-in, MFA included
Bank-side viewers always free
Add or remove seats any month

Intelligence — 25,000

AI credits a month — included, then metered

Otto's drafting, plain-English search and document reading. Metered simply as you scale, not sold as a tier.

Workflow drafting from a sentence
Plain-English account search
Mail reading & rights detection
Volume pricing past included credits

Four things that are not a line item.

Every one of these is a separate invoice somewhere in this industry. None of them is one here.

Migration & onboarding: Your history comes across as part of the fee, not as a statement of work.
Bank-side viewer seats: Your clients read their own portfolios in Glass. You are not billed for them.
Sealed audit exports: Unlimited, on every plan. An export is evidence, so it is never a metered product.
Microsoft sign-in & MFA: Entra sign-in and multi-factor are how the product ships, not an enterprise upsell.

Two vendors you can take off the list.

The work that used to need a print shop and a phone system happens inside Otto instead — priced per letter and per minute, logged to the account like everything else.

Otto Mail — $1.29

per letter, postage included · replaces the print shop

Write the letter and you're done — somewhere, a printer you'll never meet prints it, posts it, tracks it, and logs the green card. Postage included.

Demand letters, notices & statements
Address verification on every piece
Certified & return-receipt options
Every piece logged to the account

Otto Voice — 3¢

per minute, recording included · replaces the dialer vendor

The dialer lives inside the case file. Every call pre-cleared before it rings, recorded and transcribed after — and AI agents make the first pass so your people make the calls that matter.

Built-in dialer on every case
AI voice agents for first-pass outreach
Text-to-pay in every follow-up
Pre-dial clearance, recording & transcript

Otto Redact, for firms whose data can’t leave the building.

A desktop app that tokenizes every SSN, date of birth and account number on your own machine before anything reaches a model, and rehydrates the answer locally. The reversible map never leaves the device; the model calls are zero-retention. Native Windows and macOS apps.

$3,000 per month, per firm, plus $25 per seat, per month — billed annually, and included with the Platform plan.

The terms, in plain English.

Annual agreement: Billed annually. Volume terms above 100 seats — bring your headcount and we will quote it.
Seats flex monthly: Add or remove seats in any month. Bank-side viewer seats are never billed.
Add-ons are metered: You pay for the letters you actually send and the minutes you actually use. No minimum.
Every state, day one: All fifty states ship configured, built on our published fifty-one-jurisdiction statute reference. Onboarding tunes your states to your practice and your clients' rules — it does not wait on a product release.
Audited on every plan: Every action is written to the audit trail whatever you pay. It is not a tier.

Prices on this page are list prices for a US firm and are what we quote from. Nothing here is a statement about your compliance posture — Otto ships controls and an audit trail; what you do with them is your practice’s call. See the terms for the full agreement.

This page describes Otto, not the law, and is not legal advice. Otto applies rules that have been written down correctly; it does not warrant that using it results in compliance with any statute, regulation or contract. Where a rule is named here, confirm it against the primary source and your own counsel before relying on it.