Banking, lending and utilities · AI chat agent

Payment reminders customers reply to, and pay from the same chat.

Most customers who miss a due date are not avoiding you. They forgot, or they have a question. This chat agent sends the reminder on WhatsApp, shares a payment link, answers questions about the amount and late fees, records a promise to pay, and passes hardship cases to your team.

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WhatsApp · Payment link · Agent handover · Plans: Starter, Pro and Enterprise
The problem

Why teams move this to chat

SMS reminders get ignored and collection calls are expensive. When a customer has a simple question, such as "why is the amount higher this month?", there is nobody to answer it at 9 pm, so the payment slips another week.

What changes
  • More payments made before the due date
  • Fewer collection calls for small, routine balances
  • A dated record of every reminder and reply
How it works

How the chat works

  1. 01

    Picks up the due list

    Accounts due in the next few days, or already overdue, come in from your loan, billing or policy system.

  2. 02

    Sends the reminder

    An approved WhatsApp template goes out with the amount, the due date and a payment link.

  3. 03

    Answers questions

    If the customer replies, the agent explains the amount, late fees and payment options from your approved answers.

  4. 04

    Records the outcome

    Paid, promised to pay on a date, asked for a callback or disputed. Each reply is written back to your system.

  5. 05

    Hands over when needed

    Disputes, hardship requests and anything outside the rules go to a collections agent with the full chat history.

Example chat

What the customer sees

A short example of the conversation. Your agent uses your own wording, your rules and live data from your systems. Book a demo to see it on your own phone.

AI agentHi Daniel, your loan instalment of $450 is due on 5 November. Pay here: northwind.example/pay/8812
CustomerWhy is it higher than last month?
AI agentLast month had a part-payment of $80 adjusted. This month is your regular instalment. Would you like a breakdown sent as a PDF?
CustomerNo, fine. Can I pay on the 8th?
AI agentYes. Paying by the 8th adds a late fee of $5. Shall I note the 8th as your payment date and remind you that morning?
CustomerYes
AI agentDone. I will send you the link again on the morning of 8 November.

Example conversation. Names, numbers and links are made up.

Data

What every chat captures

  • Payment made, with amount and time
  • Promise-to-pay date
  • Reason for delay, if the customer gives one
  • Callback and dispute requests
  • Opt-outs, so they are never messaged again
Rules the agent followsThe agent confirms the customer before sharing account details, never asks for card numbers, passwords or one-time codes in the chat, and only offers extensions or fee waivers that your rules allow.
Related
AI for collectionsPremium and payment reminder callsWhatsApp Business APIAll chat use cases

Questions buyers ask

They pay from a link to your payment page or gateway, opened from the chat. The payment status comes back to the agent so it stops reminding them.

Your loan, billing or policy system through an API or database connection, so amounts and due dates are always current.

Yes. Reminders go out as approved utility templates, and customers can opt out with one tap.

Yes. Customers who ignore the message can get a reminder call from a voice agent on the same platform.

Put this agent on your channels.

Pick a plan and start building, or book a 20-minute demo with our team.

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