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Overpay Owl

Pricing

Start free. Pay when it works.

Upload your first bill for free. Upgrade when the workflow proves itself worth keeping.

Free

Try the workflow with one bill.

$0
1 bill upload per month
AI-powered charge flagging
1 dispute letter per month
Soft tone only
Basic dashboard
Firm + Lawyer tones
Unlimited uploads
Bulk letter generation
Business workspace
Viewer portal access
Priority support
Start free
Most popular

Pro

For individuals who dispute regularly.

$19/mo
Unlimited bill uploads
AI-powered charge flagging
Unlimited dispute letters
All tone options (Soft, Firm, Lawyer)
Full dashboard & recovery tracking
PDF export & copy
Dispute history & search
Business workspace
Viewer portal access
Priority support
Start Pro

Business

For teams and operators managing client recovery.

$79/mo
Everything in Pro
Multi-company workspaces
Client viewer portals
Bulk letter generation
Admin inbox & email processing
Team member access (up to 5)
Dispute pipeline management
Role-based permissions
Audit trail & logs
Priority email support
Start Business

Compare plans

Everything side by side.

Free

$0

Pro

$19/mo

Business

$79/mo

Core
Bill uploads per month
1
Unlimited
Unlimited
AI charge flagging
Dispute letter generation
1/mo
Unlimited
Unlimited
Tone options
Soft only
All 3
All 3
Dashboard
Recovery tracking
Dispute history
Search & filter
PDF export
Business
Company workspaces
Viewer portals
Admin inbox
Role-based access
Audit trail
Support
Support
Community
Email
Priority email
Response time
48h
24h

Average recovery by category

What Pro typically pays back, by bill type

Aggregate user results. Audit outcomes vary — the calculator gives a personalized estimate.

Telecom (ISP / mobile)

$180/yr

18% recovery

SaaS subscriptions

$420/yr

24% recovery

Utilities

$90/yr

7% recovery

Payment processing

$55/yr

4% recovery

Other recurring

$120/yr

6% recovery

Estimate my savings → /calculator

Questions about pricing

Straightforward answers.

Can I cancel anytime?

Yes. You can cancel your subscription at any time. Your access continues until the end of the current billing period.

Is there a free trial for paid plans?

The Free tier lets you test the core workflow with one bill. If you need more, upgrade — no trial required since the Free plan is fully functional.

What payment methods do you accept?

All major credit and debit cards via Stripe. Annual plans are charged once per year.

Can I switch plans later?

Yes. You can upgrade or downgrade your plan at any time from account settings. Changes take effect at the next billing cycle.

No card required to start.

Upload a bill, see what gets flagged, generate a letter — before you pay anything.

Start freeSee how it works