Automate bill reminders, EMI collections, and overdue follow-ups with AI voice calls. Improve collection rates by 35% while maintaining customer relationships.
Improved Collection Rate
Reduction in Overdue
More Calls Per Day
Monthly Recovery Increase
Complete collections automation
Friendly reminder calls 3-5 days before payment due date. Customers appreciate the heads-up and pay on time.
Escalating reminder calls after due date: Day 1, Day 3, Day 7, Day 15. Configurable tone from gentle to firm.
AI can send payment links via SMS during the call, connect to payment portal, or collect payment commitment dates.
When customers can't pay immediately, AI collects a promise-to-pay date and schedules follow-up automatically.
After payment is made, AI calls to confirm receipt and thank the customer. Builds trust and reduces disputes.
Combine voice calls with SMS and WhatsApp for maximum reach. Different channels for different customer preferences.
Better collections, better customer relationships
35% Better Collection
Consistent, timely follow-ups
Scale Without Hiring
AI handles thousands of calls
Focus on Hard Cases
Staff handles escalations only
Compliance Built-In
Consistent, documented calls
Timely Reminders
Never miss a due date
Easy Payment
Get link during call
Flexible Options
Reschedule if needed
Professional Tone
Polite, not aggressive
Automated collection workflow
Payment Due
Invoice/bill reaches due date
AI Calls Customer
Reminder with amount and due date
Customer Responds
Pay now, promise date, or dispute
Follow-Up Scheduled
Automatic next steps based on response
Real collection conversations our AI handles
Pre-Due Reminder
AI:
"Hi Vikram, this is a reminder from ABC Finance. Your EMI of Rs. 15,000 is due on December 25th. Would you like me to send you a payment link?"
Customer:
"Yes, send the link"
AI:
"I've sent the payment link to your registered mobile. Thank you for your prompt payment!"
Promise-to-Pay
AI:
"Hi Neha, your electricity bill of Rs. 3,500 was due 3 days ago. Can you make the payment today?"
Customer:
"I'll pay by this Friday"
AI:
"I've noted your commitment for Friday, December 27th. I'll send a reminder then. Thank you!"
Any business with recurring payments or collections
Financial Services
Banks, NBFCs, Lending
Utilities
Electricity, Water, Gas
Telecom
Mobile, Internet, DTH
B2B Services
SaaS, Subscriptions, Invoices
Real results from financial services
"Our collection rate improved from 78% to 92% in 90 days. The AI calls are consistent and never miss a follow-up."
14% Better Collections
Lending
Collections Head
"We reduced our collections team from 15 to 5 people. AI handles routine reminders, staff handles negotiations."
66% Team Efficiency
Electricity
Operations Director
"Pre-due reminders cut our overdue accounts by half. Customers appreciate the heads-up and pay on time."
50% Less Overdue
Subscriptions
Finance Manager
Common questions about collections automation
Yes, our voice bot follows RBI guidelines and TRAI regulations for collection calls. We ensure proper call timing (not early morning or late night), maintain call records, respect DND preferences, and provide professional, non-harassing communication.
Yes, the AI adapts to various scenarios: pre-due reminders (gentle), just overdue (informative), significantly overdue (firm), and hardship cases (empathetic). You can configure the tone and escalation path based on your policies.
When a customer can't pay immediately, the AI asks when they can pay, collects a commitment date, and schedules an automatic follow-up. If they miss the promised date, a new reminder cycle begins. All promises are logged in your system.
Yes! The AI can send a payment link via SMS during the call, guide customers to your payment portal, or provide payment instructions. For high-value collections, it can also connect to a human agent for assisted payment.
We integrate with billing systems, loan management software, subscription platforms, ERPs, and accounting software via APIs. Data syncs in real-time so the AI always has accurate outstanding amounts and payment history.
The AI can provide invoice/bill details from your system. For complex disputes, it creates a ticket and schedules a callback from your team. The goal is to resolve simple queries automatically and escalate complex ones.
Industries using payment reminders
Banking
Loan & EMI collections
Insurance
Premium collection calls
Finance & NBFC
Lending & fintech collections
Or explore related use cases
See how AI voice calls can boost your collection rates while maintaining customer relationships
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