25% of online payments fail. EMIs get missed. Invoices go overdue. Our AI calls customers with friendly reminders, offers payment options, and recovers 40% more than email/SMS alone - all while staying RBI compliant.
Payment Failure Rate
Recovery Rate
vs Email Recovery
Avg Resolution
AI-powered collection for every payment type
Failed Card Payments
Card declined, insufficient funds, expired cards. AI offers retry or alternate payment methods.
EMI Due Reminders
Loan EMIs, BNPL payments, credit card dues. Friendly reminders before and on due date.
Subscription Renewals
SaaS, OTT, membership renewals. Remind before expiry, confirm renewal, update payment method.
Invoice Overdue
B2B invoices, service bills, pending dues. Professional follow-up with payment options.
Partial Payments
Collect remaining balance on partial payments. Offer installment options if needed.
COD Reminders
Confirm COD orders, remind about cash needed, offer prepaid conversion with discount.
Recover more with intelligent automation
Automatically call customers when card payments fail. Offer retry options, alternate payment methods, or payment link via SMS.
Send friendly reminders 3 days, 1 day, and on due date. Reduce delinquency with timely, non-intrusive calls.
Remind customers about pending COD payments. Confirm exact change needed or suggest prepaid conversion with discount.
Send secure payment links during or after the call. One-click payment completion without leaving the conversation.
Schedule payment retries based on customer preference. Capture new card details or alternate payment method.
All calls follow RBI fair practices code. No harassment, proper timing, and clear communication guidelines.
Recover more while maintaining customer relationships
40% Recovery Rate
Higher than email/SMS alone
Faster Collections
Reduce DSO significantly
Lower Bad Debt
Early intervention prevents defaults
Reduced Manual Effort
AI handles routine reminders
Friendly Reminders
Non-aggressive, helpful tone
Convenient Options
Multiple payment methods offered
Flexible Scheduling
Choose when to pay
Instant Resolution
Pay during the call itself
From failed payment to successful recovery
Payment Trigger
Failed payment or due date approaching
AI Calls Customer
Friendly reminder with context
Offer Options
Retry, UPI, link, schedule
Payment Recovered
Confirm and update system
Real conversations that recover payments
Failed Card Payment
AI:
"Hi Priya, this is calling from ShopEasy. We noticed your payment of Rs 2,499 for order #12345 didn't go through. Would you like to try again or use a different payment method?"
Customer:
"Oh, my card might have been blocked. Can I pay via UPI?"
AI:
"Absolutely! I'm sending you a payment link right now. You can pay via UPI, net banking, or add a new card. Should I wait while you complete the payment?"
Payment Link Sent - Paid via UPI
EMI Reminder
AI:
"Namaste Rajesh ji, main ABC Finance se bol raha hoon. Aapka Rs 5,500 ka EMI kal due hai, 15th January ko. Kya payment ho jayega?"
Customer:
"Haan, salary aa gayi hai. Abhi pay kar deta hoon."
AI:
"Bahut acha! Main aapko UPI link bhej raha hoon. Ya fir auto-debit se kat jayega kal subah. Koi bhi problem ho toh call kariyega."
EMI Confirmed - Customer Will Pay
Tailored for different payment scenarios
E-commerce
Failed payments, COD reminders
NBFC/Lending
EMI collection, overdue follow-up
Insurance
Premium reminders, renewals
SaaS/Subscriptions
Renewal, upgrade payments
Real results from payment collection automation
"We recover 40% of failed payments now vs 15% with just email. The AI calls at the right time and offers easy payment options."
40% Recovery Rate
Bangalore
Finance Head
"EMI collection improved dramatically. Customers appreciate the friendly Hindi reminders instead of aggressive manual calls."
30% Better Collection
Delhi NCR
Collections Manager
"The AI handles 80% of our payment reminder calls. My team focuses on complex cases only. Huge productivity boost."
80% Call Automation
Mumbai
Operations
Common questions about AI-powered payment recovery
When a payment fails or becomes due, the AI automatically calls the customer. It explains the situation clearly, offers payment options (retry, alternate method, UPI, payment link), and can process payment confirmation. If needed, it schedules a callback or escalates to your team.
Yes, our system follows all RBI fair practices guidelines: calls only during permitted hours (8 AM - 7 PM), no threatening language, clear identification, proper disclosures, and easy opt-out. We maintain audit logs for compliance verification.
Failed card payments, bounced EMIs, overdue invoices, subscription renewals, COD reminders, and partial payment follow-ups. The AI adapts its script based on the payment type, amount, and customer history.
Yes! The AI can send a secure payment link via SMS during the call. For UPI, it provides the ID. For cards, it can trigger a retry if you have stored credentials. Many customers prefer paying immediately when reminded.
The AI can negotiate payment dates within your policy limits. It captures the promise-to-pay date, schedules a follow-up reminder, and updates your system. If the customer needs restructuring, it transfers to a human agent.
We support Hindi, English, Tamil, Telugu, Bengali, Marathi, Kannada, Gujarati, and Malayalam. For NBFC/lending use cases in Tier 2/3 cities, regional language support dramatically improves collection rates.
We integrate via API/webhooks with popular billing platforms, CRMs, and custom systems. When payment fails or becomes due, the trigger reaches us with customer and payment details. Post-call, we update payment status back to your system.
Typical ROI is 5-10x. If you recover even 10% more failed payments through AI calls (which cost Rs 5-8 per call), and your average transaction is Rs 1,000+, the math works strongly in your favor. Plus, you save on manual calling costs.
Explore more voice AI use cases
See how AI voice calls can boost your payment recovery rates
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Open in DriveBest AI voice agent pricing worldwide - from ₹4/min ($0.04) | 40% more affordable than US alternatives