AI voice agent makes payment reminder calls, sends UPI/Razorpay/payment links via WhatsApp during the call. Improves collections 30-50% vs manual follow-up. Works for SaaS subscriptions, NBFC EMIs, B2B invoices, service businesses. ₹50K setup + ₹5K/mo.
30-50%
Collections lift
₹50,000
Setup (one-time)
RBI-compliant
For BFSI
8am-7pm
Collection window enforced
Soft reminder calls 3-5 days before due date. Hard recovery calls for overdue. RBI Fair Practices Code compliant.
30-day-out renewal reminders. Payment link via WhatsApp. Reduce churn from forgotten subscriptions.
Lawyers, CAs, consultants, agencies — automate the awkward 'pls pay invoice' calls.
Tuition fee due date reminders. EMI option offered if relevant. Parent communication automated.
Booking → registration → possession payment milestones — proactive reminders + payment links.
Outpatient bills, lab payments, insurance follow-ups — collection via call + WhatsApp.
Webhook from your billing/ERP/CRM on due date approaching or invoice overdue. Triggers reminder flow.
AI: 'Hi [Name], your EMI of ₹5,000 is due on 15th — anything I can help with?' Friendly, not pushy.
Customer says 'I'll pay now' → Razorpay/UPI link sent in WhatsApp instantly. Conversion in <2 min.
Customer needs more time → AI captures preferred date, schedules follow-up. EMI negotiation handled in BFSI tier.
Failed multiple times → flagged for human agent. Customer agitated → AI hands off to human.
8am-7pm calling window for BFSI. DND scrubbing. Audit trail of every interaction.
Speed: AI starts calling on day 1 of overdue. Most teams wait 7-15 days.
Consistency: every customer gets same professional treatment. No collection-agent burnout.
Payment link in WhatsApp: conversion from intent to paid in <2 minutes (vs manual 'I'll pay later' → forgot)
Cost: ₹5K/mo retainer vs ₹40-60K/mo for 1 collection agent
Always-on: 8am-7pm enforced, no missed slots
Compliance: RBI Fair Practices Code respected — no harassment, no late-hour calls
Calls limited to 8am-7pm for BFSI (RBI FPC requirement)
TRAI DND scrubbing for outbound numbers
Soft, respectful tone — no harassment
Audit log of every interaction (for compliance + customer dispute resolution)
Customer can opt out anytime — AI respects + escalates per policy
Recording disclosure in caller's preferred language
Pick the implementation approach that fits your scale + needs.
Productized 24/7 phone receptionist for SMB.
Custom build on Vapi, Retell, Bolna, Edesy, or others.
Monthly retainer to run your voice campaigns end-to-end.
Connect voice agent to HubSpot, Zoho, Salesforce, GoHighLevel.
Voice ↔ WhatsApp handoff for India-first audiences.
Not sure which approach? Paid 1-hour consulting (₹10K credit-back).
Book a 30-min call. We'll show how automated collections lift recovery 30-50%.