Resolve
Resolve is an AI-native CRM built solely for debt settlement operations. Six named AI workers handle intake calls, enrollment, client messaging, creditor negotiations and reporting, so the platform executes routine work instead of merely recording it.
What is Resolve?
Resolve is the product of retape.ai, published by Merse, Inc., a company registered in Delaware. It is an AI-native CRM built for one industry only: debt settlement operations, the American debt relief firms that enroll consumers and negotiate their debts with creditors. The publisher's thesis is that every operational role in that business contains repetitive, structured work that can be handed to AI workers, leaving judgement, exceptions and the client relationship to people. The home page puts it bluntly: Legacy CRMs record work. Resolve does the work.
Six named AI workers cover the lifecycle shown on the site - Lead, Enrolled, Servicing, Negotiation - plus a management layer. Maya takes voice intake: after-hours calls, overflow and missed-call recovery, with an agent trained for debt relief intake. Aria runs a chatbot-guided self-enrollment path with automated follow-ups, and AI call scoring rates every sales call rather than a sample, on compliance, performance and objections. Penny runs outbound SMS and voice campaigns for NSF recovery, additional funds and settlement authorisation, and acts as first-line inbound support, with a shared multichannel inbox. Scout automates bulk negotiation: the site shows a 1,284-line Discover scrub file taken through five steps, from upload to AI account matching, fund calculation, settlement creation and a ready return file. Scout also assesses non-scrub accounts continuously for fund availability, and automates POA sending and tracking. Sage answers CRM questions in plain English without SQL, and Pulse identifies clients at risk with recommended actions, both feeding real-time dashboards.
Migration is handled by the publisher. Every record - contacts, payment schedules, account notes, documents, call history - is mapped and reconciled in a private staging environment, and nothing switches over until the customer has validated it. The site announces a pilot within 30 days and a full book migration in four to ten weeks. On the platform side it claims a SOC 2 Type II audit renewed annually, a single-tenant environment per customer, row-level access controls and encryption at rest, alongside TCPA-safe outreach, consent capture, recorded calls and an immutable activity log. Integrations are described by category - payment processors, dialers, merchant accounts, e-sign, SMS - as two-way real-time event flows rather than nightly batches. The site publishes no pricing, no API documentation and no mobile application.
What it does
- Answer after-hours and overflow inbound calls with an AI voice agent, and recover missed calls
- Carry a lead through to enrollment with a chatbot-guided self-service path and automated follow-ups
- Process a creditor scrub file end to end: account matching, fund calculation, settlement creation and return file, plus POA sending and tracking
- Run SMS and voice campaigns for NSF recovery, additional funds and settlement authorisation
- Score every sales call on compliance, performance and objection handling
- Answer a business question about the CRM in plain English, without writing SQL
- Flag clients at risk of cancelling before the cancellation happens
When to use Resolve / When not to
A quick filter to help you decide if Resolve is the right fit.
When to use Resolve
- Debt settlement and debt relief companies that already run a CRM and an active client book
- Operations whose inbound call volume outruns their staffing: after-hours calls, overflow and missed-call recovery
- Negotiation teams working creditor scrub files of several thousand lines at a time
- Management that wants real-time KPIs on sales, servicing and negotiation without SQL or manual exports
- Operators prepared to go through a vendor-led migration lasting four to ten weeks
When not to use Resolve
- Teams outside debt settlement: the site claims no general-purpose CRM, no B2B collections and no retail banking use case
- Buyers who need published pricing, a free plan or a self-service sign-up, since the demo is the only way in
- Developers looking for a public API: no API or developer documentation appears anywhere on the site
- Field users who need a mobile application, as neither an iOS nor an Android app is mentioned
- European buyers who require a data processing agreement, an Article 27 representative or a stated data residency
How to use Resolve
A typical end-to-end flow, from setup to results.
- Start from the only entry point on the site, the "Book a demo" button, which opens a cal.com booking page
- Come to the call with your current CRM, payment processor and dialer identified, since the scoping is framed against them
- Expect no self-service option: there is no account creation button anywhere on the site
- Hand over your existing CRM so the retape.ai team can map every record, the site stating that you never touch a spreadsheet
- Let each record be reconciled against the source system in a private staging environment
- Work your real book inside Resolve before go-live and validate it, since nothing switches over until you approve
- Go live in weeks rather than quarters, with no downtime announced during the changeover
- Let the AI workers run the lifecycle stages while your team handles exceptions and decisions
- Query Sage in plain English for CRM questions and reports, without writing SQL
- Watch the live dashboards for sales, servicing and negotiation, and act on the churn-risk clients flagged by Pulse
Pros & Cons
Pros
- Unusually deep vertical focus: the vocabulary and the workflows are those of debt settlement, from scrub files and NSF recovery to POAs, settlement authorisation and graduation
- The publisher takes the migration on itself, with private staging and customer validation before switchover, which is the usual failure point of a CRM change
- Automation is claimed end to end across the lifecycle rather than as simple recording of work already done
- Explicit security posture: SOC 2 Type II audited annually and a single-tenant environment per customer, with row-level access control and encryption at rest
- Compliance is part of the pitch: TCPA-safe outreach, consent capture, recorded calls and an immutable activity log
- Data access in plain English, with reporting and CRM questions answered without SQL or manual extraction
- Short announced time to production, with a pilot inside 30 days, and five named debt relief operators displayed as customers
Cons
- No published pricing at all: no pricing page, no range and no billing unit
- No free plan and no announced free trial, the demo being the only route in
- A very narrow addressable market, with no use outside debt settlement operations
- No public API, no developer documentation, and no iOS or Android application
- Compliance paperwork incomplete for a European buyer: no named subprocessor list, no published data processing agreement, no Article 27 representative and no stated hosting country or region
- A privacy policy that carries no update date and says nothing about whether customer data is used to train AI models
- A very young and very small publisher, listed with three employees in the Y Combinator directory, with no published SLA or support hours, a SOC 2 Type II claim backed by no readable report or trust portal, and a single contact channel made of one email address and a cal.com booking page
Pricing & Plans
No amount is published on the site, which has no pricing page. The FAQ states that pricing is based on your operation's scale and refers the reader to a demonstration. The Terms specify that all fees and billing terms are set out in the applicable agreements or order forms, and that fees are non-refundable unless stated otherwise. The pricing model is therefore contact-sales. No free plan and no free trial are announced; a pilot within 30 days is mentioned, but nothing indicates that it is free of charge.
Data, GDPR & hosting
A consolidated view of how Resolve handles your data.
GDPR overview
The privacy policy carries a dedicated section, "Additional Disclosures for European Union Residents", which refers explicitly to Regulation 2016/679. The legal bases invoked are performance of the contract and, where the contract is not sufficient, consent that can be withdrawn at any time. The company positions itself as a processor acting at the request of its users, and as a controller in certain cases. A separate CCPA/CPRA section covers Californian residents, with a 45-day response deadline and rights of access, deletion, correction and objection to sale. Several standard pieces are missing: no EU representative under Article 27, no named data protection officer, no published data processing agreement, and no standard contractual clauses or described international transfer mechanism. The policy carries no effective date and no last-updated date, unlike the Terms, dated 10/02/2026. All privacy questions go to a single address, support@retape.ai.
Who owns the data?
Merse, Inc. describes itself as a processor acting at the request of its users, and as a controller only in certain cases: We operate as a processor of data at the request of our users. Customers stay responsible for the content of the messages sent, for End User consent and for their own compliance. The site never states in plain words that customers retain ownership of their data. Intellectual property in the service itself - content, software, trademarks and materials - belongs to the company or is licensed to it. Personal data may also be transferred if the company or its subsidiaries are involved in a merger, acquisition or asset sale.
Reuse rights
The privacy policy lists the purposes of the data it collects: identity verification, delivery and improvement of the service, notification of changes, interactive features, customer support, analytics, usage monitoring, detection of technical and security incidents, billing and collection, and internal compliance. Google Analytics is named as an analytics provider, and cookies, beacons, tags and scripts may be linked to personal data. The categories collected are account information, user-uploaded content and usage data such as IP address, browser, pages viewed and device identifiers. Marketing is opt-in only, with unsubscribe by link or by email to support. Under the CPRA the company states that it collects no sensitive personal data and has sold none in the last twelve months. Nothing at all is said, in either direction, about reusing customer data to train AI models, so a customer wanting a reuse guarantee has to obtain it contractually.
Data retention & training
Hosting summary
No hosting country and no hosting region is stated anywhere in the privacy policy, the Terms or the home page: the location of customer data is simply not disclosed. What the site does commit to is isolation and protection. Client records, ledgers and call recordings are said to live in a single-tenant environment, never co-mingled with another shop's, with access control applied at row level, encryption at rest and a SOC 2 Type II audit renewed annually. The privacy policy adds the usual caveat that no method of transmission over the Internet is completely secure. One technical indication should not be read as a commitment: the domain resolves to 75.2.60.5, an Amazon anycast address (AS16509) operated behind a Netlify front end, which concerns the public website rather than the platform where customer data is processed. For a buyer subject to European data residency requirements, there is nothing here to rely on: no jurisdiction, no region and no named hosting provider for the application itself.
Where Resolve works
Country-level availability.
Not available in
Things to keep in mind
Risks and trade-offs to weigh before adopting Resolve.
- Pricing is unknown before the demonstration, which makes any advance comparison or budgeting impossible; the commitment itself is pushed into order forms that are not public, and fees are non-refundable by default
- TCPA liability and End User consent stay entirely with the customer: the Terms state that The Company does not collect or independently validate End User consent.
- The publisher declares itself a mere ISV and disclaims responsibility for the content of the communications sent, while total liability is capped at the amount paid in the twelve months preceding the claim
- No data location commitment is made, so a European buyer cannot say where its data resides, and neither a data processing agreement nor an Article 27 representative is offered
- The privacy policy says nothing about using customer data to train AI models, a silence that has to be closed contractually rather than assumed either way
- SOC 2 Type II is claimed without any report or trust portal to consult, and should be confirmed under NDA; the publisher may also terminate the service at any time, with or without notice, in case of breach of the Terms
- The data handled is the financial data of over-indebted individuals, which raises the bar for diligence; handing intake, negotiation and client contact to AI workers can also dull a team's own judgement over time, and the boundary the publisher draws between automated work and human exceptions has to be actively maintained
Setup & Integrations
Technical difficulty
Low on the customer's side: nothing to install, no API to integrate, and the publisher takes the migration on itself. Three announced steps: mapping of the records in the existing CRM, reconciliation in a private staging environment, then switchover once the customer has validated. Contacts, payment schedules, account notes, documents and call history are carried over. Implicit prerequisites: an existing CRM, a payment processor and a dialer to connect. Announced timing: a pilot within 30 days, four to ten weeks for full migration. The real cost to the customer is the time spent validating the book in staging.
Deployment
Behind Resolve
Fundraising
Social
Resources
All the official URLs gathered for verification and reference.
Frequently asked questions
How long does it take to be up and running on Resolve?
How is Resolve different from the CRM we already use?
What happens to our existing client base?
Is our data isolated from other customers' data?
Which integrations are supported natively?
How does pricing work?
Is there a public API?
Is there a mobile application?
Is there a minimum age to use the service?
How long is personal data kept?
Should you pick Resolve?
Resolve is an openly niche product: a CRM for a single industry, written in that industry's vocabulary and built around its workflows, from scrub files and NSF recovery to POAs and settlement authorisation. Its whole proposition rests on execution rather than record-keeping, with six named AI workers covering intake, enrollment, client communications, bulk negotiation, reporting and churn detection, and with the publisher taking the migration on itself instead of leaving it to the customer. For a debt relief operator whose call volume outruns its staffing, and whose negotiators still work creditor files by hand, that is a precise answer to a real problem.
The reservations are of a different nature, and most of them concern what cannot be checked from outside. The technical guarantees on display, namely SOC 2 Type II, single-tenant isolation, encryption at rest and an immutable activity log, are serious claims, but none is documented publicly: no report, no trust portal, no named auditor. Pricing is not published and no trial is announced, so any evaluation runs through a sales cycle. The publisher is young and small, with a domain registered in August 2024, a place in the Y Combinator W23 batch and three employees in that directory, which makes the dependency on a small team real. For a European buyer the compliance file stays incomplete: no data processing agreement, no Article 27 representative, no stated data residency, and a privacy policy with no update date that says nothing about training AI models on customer data.
The strongest outside signal remains the five named debt relief operators shown as customers. Worth a demonstration for a US debt settlement operation ready for a four-to-ten-week migration; premature for anyone who needs published pricing, an API, a mobile app or documented European guarantees.
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