# Trigger Payment Reminder Calls from Your App

> How to trigger AI payment reminder calls from your own app or billing system with one API call: pass the amount and due date, get the outcome back on a webhook.

Source: https://edesy.in/blog/trigger-payment-reminder-calls-from-your-app-api-2026

**If your app already knows who owes what and when, it can trigger the reminder call itself.** One
API request per customer, with the agent ID, phone number and variables like name, amount and due
date, makes an AI voice agent call, deliver the reminder in the customer's language, optionally send a
payment link, and post the outcome back to your system. It is one of the most common developer
requests we get: reminder calls triggered by the customer's own application. Here is how to build it. It is the [AI payment reminder](https://edesy.in/ai-voice-assistant/use-cases/payment-reminders) use case,
driven by your code.

> **Get an API key:** [Create a free Edesy account](https://voice-agent.edesy.in/?utm_source=edesy.in&utm_medium=blog&utm_campaign=trigger-payment-reminder-calls-from-your-app-api-2026) — Rs 50 free credit, no demo needed.

## The architecture

1. **Your billing system decides** who needs a reminder today (e.g. due in 3 days, due today, 3 days overdue).
2. **Your app calls the Edesy Calls API** once per customer.
3. **The AI agent calls** and delivers the reminder, in Hindi, English or a regional language.
4. **Your callback URL receives the result** when the call ends.
5. **Your app updates the record** and stops reminding once payment is recorded.

## The request

```bash
curl -X POST https://voice-agent.edesy.in/api/v1/calls \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "agentId": 123,
    "phoneNumber": "9876543210",
    "variables": {
      "name": "Ramesh",
      "amount": "4,500",
      "due_date": "5 October",
      "account_ref": "INV-2291"
    },
    "metadata": { "customer_id": "c_8812" },
    "callbackUrl": "https://your-app.com/webhooks/reminder-call"
  }'
```

The variables fill the agent's script, for example `{{name}}`, `{{amount}}` and `{{due_date}}`. Full
field list: [trigger-call API docs](https://edesy.in/docs/voice-agent/api/trigger-call).

## The agent's script

> Namaste {{name}} ji, main {{company}} ki taraf se ek automated call kar rahi hoon. Aapke account
> {{account_ref}} ka {{amount}} rupaye ka payment {{due_date}} ko due hai. Kya aap tab tak payment kar
> payenge? Main aapko payment link SMS par bhej sakti hoon.

Define the fields the agent should extract after the call: outcome (will pay / already paid / needs
time / dispute), promised date, and callback requested.

## Handling the callback

When the call ends, your endpoint receives the call details, including duration, transcript and
outcome; the extracted fields are saved with the call record. Typical handling:

| Outcome | What your app does |
|---|---|
| will_pay + date | Schedule a check on that date; no more calls until then |
| already_paid | Flag for reconciliation; stop reminders |
| needs_time | Create a task for your collections team |
| dispute | Route to support with the call summary |
| no-answer / busy | Retry later the same day, or next day |

## Scheduling rules

- **Three touches** is common: 3 days before, on the due date, 3 days after.
- **Call only inside a daytime window**, and for lenders, within RBI's permitted hours (see
  [RBI guidelines for AI collection calls](https://edesy.in/blog/rbi-guidelines-ai-collections-voice)).
- **Stop as soon as payment is recorded.** Nothing annoys customers more than a reminder after paying.
- **Cap attempts** per customer per cycle.

## Why trigger from your app instead of uploading lists

- **Always current.** The call uses today's balance, not yesterday's export.
- **No manual work.** No CSVs, no daily uploads.
- **Closed loop.** Results update your records automatically.

If you prefer lists, bulk campaigns work too; see the
[10,000-contact campaign playbook](https://edesy.in/blog/ai-calling-campaign-10000-contacts-india-2026).

## Cost

On Edesy, calls are billed per started minute at **Rs 4-6 per minute** depending on your prepaid
top-up, and unanswered calls cost nothing. Most reminders finish within a minute.

## Build it this week

[Create a free account](https://voice-agent.edesy.in/?utm_source=edesy.in&utm_medium=blog&utm_campaign=trigger-payment-reminder-calls-from-your-app-api-2026),
generate an API key, and trigger your first call to your own number. For the lending-specific version,
read [EMI loan repayment reminder voicebots](https://edesy.in/blog/emi-loan-repayment-reminder-voicebot-2026). Need help
with the integration? [Talk to us](https://edesy.in/contact).

## Related reading

- [AI calls for rent collection and property managers](https://edesy.in/blog/rent-collection-property-management-ai-calls-2026)
- [AI bill reminder calls for utilities](https://edesy.in/blog/utility-bill-reminder-calls-electricity-gas-ai-2026)

## Frequently Asked Questions

### Can my app trigger AI reminder calls automatically?

Yes. Your app or billing system sends one API request per customer with the agent ID, phone number and variables such as name, amount and due date. The AI agent calls, delivers the reminder, and posts the outcome to your callback URL.

### What data should I pass to the call?

Whatever the agent needs to say and nothing more: name, amount, due date, invoice or account reference, and a payment link if you want it sent during the call. Pass them as variables; they are filled into the agent's script.

### How do I know the result of each call?

Set a callbackUrl on the request. When the call ends you receive a POST with the call details, including duration, transcript and outcome, and the fields the agent extracted (such as will-pay or promised date) are saved with the call record, so you can update the customer in your system.

### When should the app trigger the call?

Typically a few days before the due date, on the due date, and a few days after if unpaid, inside a daytime calling window. Stop triggering calls once the payment is recorded.

### How much does an API-triggered reminder call cost?

The same as any Edesy call: Rs 4-6 per started minute depending on your prepaid top-up, and unanswered calls are free. A reminder usually takes under a minute.