Financial Services · Collections

Payment Reminder & Collections

Improve cash flow and reduce DSO with respectful, automated payment recovery.

Apps this needs

Core / Policy System Lending, policy or subscription system for renewals & balances. Connect during setup
Payments / Checkout Send secure pay links and reconcile paid / overdue balances. Connect during setup
WhatsApp Business Send confirmations and let customers reply on WhatsApp. Connect during setup
SIP Trunk Route inbound & outbound calls through your phone system. Connect during setup
CRM Salesforce, HubSpot or your local CRM for leads & contacts. Connect during setup

How it works

  1. Detects an overdue balance within days of the missed payment — before it's reported to credit bureaus — via the servicing system's delinquency flag, and reaches the customer courteously via voice (Twilio, 3CX, RingCentral, or a carrier-direct SIP trunk), WhatsApp or SMS.
  2. Shares the amount due and a secure pay link as the primary path.
  3. Identifies hardship signals and, following required compliance scripting, offers connection to a hardship program where relevant.
  4. Anything requiring a payment plan negotiation is escalated to a human collections specialist.
  5. Reconciles paid items and logs outreach and outcome to the CRM.

Data sources

AR / ledger export Payment status CRM

What it targets

  • Overdue balances recovered Target 38%
  • Days sales outstanding Target -9d
  • Reminder → payment rate Target 30%