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Collections & Billing

Payment Reminder Voice Bot

Automate bill reminders, EMI collections, and overdue follow-ups with AI voice calls. Improve collection rates by 35% while maintaining customer relationships.

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35%

Improved Collection Rate

50%

Reduction in Overdue

10x

More Calls Per Day

Rs. 2L+

Monthly Recovery Increase

Payment Reminder Capabilities

Complete collections automation

Pre-Due Reminders

Friendly reminder calls 3-5 days before payment due date. Customers appreciate the heads-up and pay on time.

Overdue Notifications

Escalating reminder calls after due date: Day 1, Day 3, Day 7, Day 15. Configurable tone from gentle to firm.

Payment Collection

AI can send payment links via SMS during the call, connect to payment portal, or collect payment commitment dates.

Promise-to-Pay

When customers can't pay immediately, AI collects a promise-to-pay date and schedules follow-up automatically.

Payment Confirmation

After payment is made, AI calls to confirm receipt and thank the customer. Builds trust and reduces disputes.

Multi-Channel Follow-up

Combine voice calls with SMS and WhatsApp for maximum reach. Different channels for different customer preferences.

Benefits for Everyone

Better collections, better customer relationships

For Collections Teams

  • 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

For Customers

  • Timely Reminders

    Never miss a due date

  • Easy Payment

    Get link during call

  • Flexible Options

    Reschedule if needed

  • Professional Tone

    Polite, not aggressive

How Payment Reminders Work

Automated collection workflow

1

Payment Due

Invoice/bill reaches due date

2

AI Calls Customer

Reminder with amount and due date

3

Customer Responds

Pay now, promise date, or dispute

4

Follow-Up Scheduled

Automatic next steps based on response

Payment Reminder Examples

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!"

Industries We Serve

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

Collections Teams Trust Our AI

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

Payment Reminder FAQ

Common questions about collections automation

Is the AI voice bot compliant with collection regulations?

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.

Can the AI handle different payment scenarios?

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.

How does Promise-to-Pay work?

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.

Can customers make payment during the call?

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.

What integrations are supported?

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.

How do you handle customers who dispute the amount?

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.

Do you support outbound payment reminder calls for consumer lending?

Yes. Consumer lending, BNPL, and NBFC teams use the AI voice agent to automate outbound payment reminder calls across the full lifecycle - pre-due nudges, due-date reminders, and early-bucket follow-ups. Calls are RBI-compliant, multilingual, and sync outstanding amounts from your loan management system in real time.

Can it send reminders over voice, SMS, and WhatsApp from one system?

Yes. The AI runs multichannel payment reminders - a voice call plus SMS and WhatsApp follow-ups with payment links - orchestrated from one platform on the EMI or invoice due date. Customers who miss the call still get a nudge on their preferred channel.

Does it work for recurring EMI and subscription payment reminders?

Yes. You can schedule recurring reminders that fire automatically before each EMI, subscription renewal, or invoice due date. The AI dials on the right day, confirms intent, and captures promise-to-pay - no manual list uploads each cycle.

Can it make patient and healthcare payment reminder calls?

Yes. Clinics, hospitals, and diagnostic labs use it for patient billing and payment reminder calls, which improves collection rates while keeping a polite, professional tone. It can share payment links and answer common billing questions during the call.

Ready to Improve Collections?

See how AI voice calls can boost your collection rates while maintaining customer relationships

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Simple, Transparent Pricing

Best AI voice agent pricing worldwide - from ₹4/min ($0.04) | 40% more affordable than US alternatives

Pay As You Go
₹6/ minute + telephony$0.07/min
Start immediately, pay per minute
  • No monthly commitment
  • Standard AI providers included
  • Twilio/Exotel integration
  • Call analytics dashboard
  • 8+ Indian languages
  • 24/7 availability
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Most Popular
Pro
₹1,499/ month$18/month
For growing businesses
  • ₹5/min ($0.06) platform rate
  • 300 minutes included
  • Everything in Pay As You Go
  • Priority support
  • Advanced analytics
  • Custom phone numbers
  • Webhook integrations
Start Free Trial
Max
₹4,999/ month$60/month
For high-volume operations
  • ₹4.50/min ($0.05) platform rate
  • 1,100 minutes included
  • Everything in Pro
  • 20% off premium add-ons
  • Custom AI training
  • Dedicated support
  • Multiple phone numbers
Ultra
₹14,999/ month$180/month
Maximum value for enterprises
  • ₹4/min ($0.04) platform rate - lowest
  • 3,500 minutes included
  • Everything in Max
  • 30% off premium add-ons
  • Dedicated infrastructure
  • 99.9% uptime SLA
  • White-label option
  • Dedicated account manager