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AI bill negotiation · Updated May 2026
How to lower my bills? Let an AI agent call your providers.
Dip is an AI bill-negotiation agent. You connect a bill, Dip places a real outbound phone call to the provider, sits through hold music, talks to a retention rep with a real-time voice model, and asks for a lower rate. You approve every change before money moves. It is $15/month flat — no percentage of savings, ever.
What Dip will call about
The rule of thumb: if a human with retention authority answers the phone for that company, Dip can call them and ask for a lower price on a bill you keep using.
Internet & cable
Comcast, Spectrum, Cox, Optimum, AT&T Fiber, Verizon FiOS, Frontier, CenturyLink.
Wireless
Verizon, AT&T, T-Mobile, and the major MVNOs.
Home security & alarm
ADT, Vivint, SimpliSafe monitoring plans.
Satellite & radio
DirecTV, Dish, SiriusXM — real retention desks with credit authority.
Trash & recycling
Republic Services, WM, Waste Connections — private haulers on renewable contracts. (Municipal trash billed by your town isn't negotiable.)
Credit card APR & fees
AmEx, Chase, Citi, Capital One, Discover — APR reductions and annual-fee waivers.
Contracted home services
Lawn care, pest control, pool service contracts with annual commitments.
What Dip won’t pretend to do
Out of scope on purpose
The other AI-bill apps quietly fail at things they shouldn’t have promised. We name them so you can decide whether Dip is the right tool.
- Streaming subscriptionsNetflix, Hulu, Disney+, Max, Spotify. The negotiation play there is cancel and re-sign up for the new-customer rate — Dip can't do that on a phone.
- App subscriptionsiOS and Google Play subscriptions get managed inside the store. Dip would just be a worse cancel button.
- True fixed-price utilitiesWater, sewer, and most municipal utilities are rate-regulated. There's nothing to negotiate.
How the AI negotiation actually works
- 01
Connect bills or forward a statement
Use Plaid to import recurring charges, snap a photo of a paper bill, or forward a PDF. Dip's classifier figures out what's negotiable.
- 02
Confirm the account you want lowered
You tap to confirm "Yes, that's my Comcast Internet bill" and answer 2–4 dynamic questions (speed tier, contract status, autopay) so the agent has context.
- 03
Dip researches the provider
Dip pulls the current retention offers, the right phone number, competitor leverage in your zip code, and the script that works for that carrier this week.
- 04
The agent calls and negotiates
A real-time voice agent dials the retention line, sits through hold music, answers verification questions, and asks for the lower rate. Average call: 8–12 minutes.
- 05
You approve the win
Before any change commits at the provider, you see the offer and tap approve. If you don't like it, your old rate stays — full stop. The call recording and transcript live in the app forever.
Providers Dip has called
Not a complete list — Dip adds carriers as accounts confirm them. If you have a bill from a US provider with a retention line, ask the waitlist.
- Comcast / Xfinity
- AT&T
- Verizon
- Spectrum
- T-Mobile
- Cox
- Optimum
- Frontier
- CenturyLink
- Geico
- Progressive
- State Farm
- Allstate
- ADT
- Vivint
- SimpliSafe
- DirecTV
- Dish
- SiriusXM
- Republic Services
- Waste Management
- Waste Connections
Flat $15/month, no cut of savings
Annual · saves ~17%
$149/yr
Two months free vs. monthly. Flat price, 0% of your savings kept.
Most competing AI bill-negotiation services take 30–60% of any savings they negotiate (BillShark: 40%; Rocket Money: 30–60%). Dip keeps no share. If we get your Comcast bill down by $50/month, that’s $600 in your pocket per year for a single bill — Dip’s share is $0.
Frequently asked
How can I lower my bills?
The fastest way to lower most recurring bills is to call the provider's retention line and ask for a better rate — providers reliably discount for customers who ask, but few people make the call. Dip does it for you: it's an AI agent that phones your cable, internet, wireless, satellite, and home-security providers, sits through the hold music, negotiates a lower rate, and lets you approve the result before anything changes. Flat $15/month, and it keeps 0% of what it saves. (Insurance isn't supported yet — those rates are regulated and acting on them takes licensing we're still working through.)
What is an AI bill-negotiation agent?
An AI bill-negotiation agent is software that calls your service providers, navigates phone menus and hold music, talks to a retention rep using a real-time voice model, and asks for a lower rate on a recurring bill you keep using. Unlike a subscription manager (which cancels things) or a finance app (which tracks them), a negotiation agent's only job is to move the price down on bills you still want.
Which bills can Dip lower?
Cable, internet, cell phone, home security and alarm monitoring, gym memberships, satellite radio, contracted home services (lawn, pest, pool), and credit-card APR or fees. The rule is simple: if a human with retention authority answers a phone for that company, Dip can call them. (Insurance isn't supported yet — it's regulated differently and needs licensing we're working through.)
What can't Dip lower?
Streaming subscriptions (Netflix, Hulu, Disney+, Spotify) and app subscriptions, because the cheapest move there is to cancel on the website and re-sign up for the new-customer rate — there is no human to negotiate with. Dip flags these honestly in the app instead of pretending to manage them.
How is this different from Rocket Money or Trim?
Rocket Money is a subscription tracker that cancels things and takes 30–60% of any savings it negotiates. Trim shut down in November 2024. Dip is built around one thing — placing live negotiation calls on your behalf — and charges a flat $15/month instead of a percentage of savings. See the full comparison at /vs/rocket-money.
Do I have to be on the call?
No. You sign a one-time letter of authorization during onboarding (a normal third-party-negotiation document) and Dip handles the rest. You get a recording, a transcript, and a one-line headline you can forward to your partner.
What if Dip can't lower my bill?
You owe nothing extra for that bill — the flat subscription covers the attempt either way. Dip logs the date the carrier said no and tries again at your renewal window. You can cancel anytime in one tap, with no contract.
Is it safe to give an AI access to my bills?
Dip reads bill data (statements, account details, recurring charges via Plaid) — never bank credentials, never debit/ACH authority. The agent can request a price reduction; it cannot move money. You approve every change before it commits at the provider. Calls are recorded and you can listen back to verify what the agent actually said.