Have someone negotiate for you · Updated May 2026
Have someone negotiate your bills for you.
Yes — you can hand your bills to someone else to negotiate. Dip is an AI agent that calls your providers on your behalf: you authorize it once, it sits through the hold music and the retention script, and you approve the result before anything changes. Same delegation as a human bill-negotiation service, without the 30–60% cut of your savings. Flat $15/month, 0% of what it saves.
Three ways to get a bill negotiated
Handing the call to someone else is a normal, long-standing arrangement — providers deal with authorized third parties every day. The only question is who makes the call, and what it costs you.
Human negotiation services
BillShark, BillCutterz, BillFixers assign a human who calls for you — then take 30–60% of the first year's savings. The work is real; the price is a permanent cut of your win.
Doing it yourself
Free, but it's the hold music, the transfers, the retention script, and the part where you have to sound willing to actually leave. Most people never get around to it.
Dip
An AI agent makes the call on your behalf — same delegation, no human-negotiator markup. Flat $15/month, 0% of savings, and you approve the result before anything commits.
How Dip negotiates on your behalf
- 01
Authorize Dip once
Sign a one-time letter of authorization naming the accounts Dip may act on. Revocable anytime. It's the same instrument a human negotiator or lawyer uses to act on your behalf.
- 02
Point Dip at a bill
Connect via Plaid, forward a statement, or snap a photo. Confirm "yes, that's my account" and answer a couple of quick questions so the agent has context.
- 03
Dip makes the call for you
A real-time voice agent dials the retention line, identifies itself as acting on your behalf, sits through hold and transfers, and asks for the lower rate — with competitor pricing in hand.
- 04
You approve the outcome
You see the offer and approve before it commits at the provider. If you don't like it, your old rate stays. The recording and transcript are yours to keep.
Frequently asked
Can someone else negotiate my bill for me?
Yes. You can authorize a third party to call your provider and negotiate on your behalf — it's a normal arrangement that providers handle every day. Traditional services (BillShark, BillCutterz, BillFixers) assign a human negotiator and take 30–60% of the savings. Dip does the same job with an AI agent that places the call, and charges a flat $15/month instead of a cut of your savings.
How does Dip call my provider as me?
You sign a one-time letter of authorization (LOA) during onboarding — the same document a human negotiation service or a lawyer would use. It names which accounts Dip may act on and what it's allowed to do, and it's revocable anytime. On the call, Dip identifies itself as an agent acting on your behalf; it doesn't pretend to be you.
What if the provider asks for my SSN or a PIN to verify the account?
Dip handles that just-in-time and never stores it. If a rep needs a verification value (last four of SSN, account PIN, a one-time code), Dip pushes a secure prompt to your phone, you enter the value, it's passed to the live call in memory, and it's destroyed when the call ends. It's never written to a database or a transcript. For moments a rep will only accept your own voice, Dip can bridge you in for that step.
Do I have to be on the call?
No. That's the entire point — Dip sits through the hold music, the transfers, and the retention script so you don't have to. You get a recording, a transcript, and a one-line summary afterward. The only time you're pulled in is a verification step a provider insists only the account holder can do.
Is it safe to let someone negotiate my bills for me?
Dip can request a lower price; it cannot move money. It reads your bill details (and recurring charges via Plaid) but never gets bank credentials or debit authority. Every change is shown to you and requires your approval before it commits at the provider. Calls are recorded so you can verify exactly what was said on your behalf.
How much does it cost to have my bills negotiated?
Human services charge a percentage of savings — BillShark takes 40%, Rocket Money 30–60% of the first year's savings, often as a non-refundable upfront charge. Dip is a flat $15/month ($149/year) and keeps 0% of what it saves. If Dip lowers your Comcast bill by $50/month, you keep all $600/year; Dip's share is $0.
Which bills can Dip negotiate for me?
Anything where a human with retention authority answers a phone: cable, internet, wireless, satellite TV, satellite radio, home security/alarm monitoring, and contracted home services. For auto and home insurance — where rates are state-regulated and can't be talked down on a call — Dip re-shops the market and unlocks missed discounts instead. It won't pretend to negotiate streaming or app subscriptions, where the only move is to cancel and re-sign up.