Voice AI for collections
Collections calls made on time, by an AI agent that follows your rules.
The agent calls every account in the window you set, in the customer's language, captures a promise to pay and sends the payment link on WhatsApp before the call ends. Disputes and hardship cases go to your team with the transcript. Runs in our cloud or inside your network.
Hear the agent on a live-style call before you book a demo.
The homepage sample is a 30-second insurance renewal call. The collections agent uses the same voice engine, turn-taking and handover, with your scripts and rules on top.
What the agent does on every call.
EnableX voice AI for collections is an outbound AI agent that calls customers before and after a payment is due, speaks in their language, captures a promise to pay or a dispute, sends a payment link on WhatsApp during the call, and writes the outcome to your CRM. Disputes and hardship cases are transferred to a human agent with the full transcript.
Reminds before the due date
Confirms the amount and date, offers auto-debit confirmation and answers questions about the account.
Collects after the due date
Negotiates within the rules you set: full payment, partial payment, a dated promise to pay, or a callback.
Hands over when it should
Disputes, hardship and anything outside policy are transferred to a human agent on voice or chat with the transcript and the customer record already open.
How a campaign runs.
Four steps from list to logged outcome. You set the rules at every step; the agent follows them on every call.
Upload and segment
Upload a list, connect your CRM or stream from your loan system. Segment by days past due, region and language, and set the calling window per segment.
Dial within the rules
Every number is checked against the do-not-call list, calling hours and attempt limits you configure. Answering-machine detection avoids wasted calls, and retries follow your schedule.
Have the conversation
The agent opens in the customer's language, confirms identity, states the amount and listens. It handles interruptions, captures intent (pay now, partial, promise, dispute, callback) and sends the payment link on WhatsApp during the call.
Write the outcome back
Promise date, amount, dispute flag and recording link land in your CRM or collections system in real time, with a structured summary for the next action.
Stages covered.
- Pre-due reminders
- Early-stage collections
- Late-stage collections
- Settlement and restructuring confirmation
- Payment-failure recovery
- Post-promise follow-up
Each stage has its own script, tone and escalation rules, which you control.
Built for regulated lending.
Rules enforced, not promised
Calling windows, attempt caps, do-not-call checks, consent capture and opt-out handling are configuration, and every call is recorded and logged for audit.
Deploy where your data must stay
Our cloud by default, your cloud, private cloud or fully on-premise for lenders whose customer voice data cannot leave the network.
Controls you can audit
Controls aligned with ISO 27001 and SOC 2 Type II, encryption in transit and at rest, role-based access.
Why an AI agent rather than a dialler and more agents.
A dialler still needs a person on every connected call. The AI agent handles the routine conversation end to end, so your collectors spend their time on disputes, hardship and high-value accounts. It is designed to lift contact rates by calling in the customer's own language at a time they answer, and it never skips a call because the queue was busy.
How outbound voice AI works →New agent, proven platform
The collections agent is new; the voice platform it runs on carries 100K+ calls a day across 50+ countries with a 99.5% SLA. Ask us for a pilot on your own accounts and measure containment and promise-to-pay rates yourself.
Ask for a pilot →Related
Hear the premium and EMI payment calls demo
An AI agent calls around the due date, records a payment commitment and sends a payment link.
Voice agents for collections
Questions collections teams ask
Run the agent on a slice of your book.
We will set up a pilot on your accounts and your rules, and you measure the result.