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Almost every overdue instalment would get paid with a timely reminder. The problem is that nobody has time to send it.
An email reminder gets read about as much as a flyer. On WhatsApp it is read within minutes, and answered.
Nobody answers an unknown number. A message gets answered when people can, and it stays in writing.
Without follow-up, the promise gets lost. The agent notes it down, comes back on that day and brings the payment link.
And meanwhile, your collections team spends the day on the easy cases, when it should be on the difficult ones.
It does not send a message and forget about it. It stays with the instalment until it is paid, and knows when to pass the case to a person.
The agent never takes the payment: the payment link is your system's, and the payment is recorded where it always is.
The excuses are always the same four. Each one has a prepared reply, firm and respectful, and a point at which it stops pushing.
It checks your system before replying. If the payment shows up, it apologises and closes the case. If not, it asks for the receipt and passes it to a person to verify. It never argues.
It does not push. It takes the complaint, flags it in the CRM and hands it over to your team with the full conversation. It is a sensitive case and it is treated as one.
It offers the extension or instalment plan you have set as a rule, and notes the date. If they ask for more than that, it checks before promising.
It sends the debt summary: what it is for, amount, due date and how to pay. Nothing more, and without pushing again in the same message.
Rules are written the way you would explain them to someone new in collections. Nothing technical, and always with a person behind what matters.
It can push a due date back by up to 15 days, once per instalment.
Does it on its ownIt can offer a plan of up to 3 instalments with no surcharge.
Does it on its ownDebts with more than 2 overdue instalments, or above the amount you set, are handled by a person.
A person confirmsIt only writes from 9 am to 8 pm, Monday to Saturday.
Does it on its ownIt never writes to anyone who asked not to receive messages.
NeverIt resolves the easy ones on its own. The difficult ones reach your team with full context, without anyone having to piece anything together.
It does not handle payments or cards. It sends your system's link and the payment is recorded where it always is.
A firm, respectful tone, with no legal warnings and no badgering. It is your brand doing the writing.
After 24 h without a reply, it only resumes with an approved template. Never free text outside the window.
A complaint, a large debt or an upset customer goes to your team. No exceptions.
Handed-over cases land in the shared inbox with the whole conversation and whatever the agent has already agreed. The person takes it from there.
See the shared inboxSomething worth knowing before you start, because in collections message volume matters.
Collections numbers, not messaging numbers: what helps you decide.
How many went out, how many were read and when. By campaign and by portfolio.
Who replied, what they said and how quickly. The most frequent excuses, so you can fine-tune the rules.
Rescheduled dates and agreed plans, and how many were kept.
How many reached your team and why: complaint, amount or overdue instalments.
And for each customer, the full conversation: what they were told, what they promised and what happened next.
It is the same product that serves this website. Give it an excuse, ask for another date or dispute the debt, and watch how it replies and when it stops pushing.
"I can't this month", "I've already paid", "that debt isn't mine": see what it says to each one.
See how it offers an extension within its rules and notes the agreement.
Watch how it passes you to a person instead of arguing.
It knows our prices and our product because it is connected to the same information we use with customers. With your portfolio loaded, it would do the same for your business.