Finance · Deployed playbook
Payment Follow-Up Agent
Receivables age because follow-up is awkward and time-consuming for humans. This agent chases overdue invoices, renewals and failed payments with polite persistence: it references the exact invoice, takes a commitment on the call and drops a payment link in WhatsApp while the customer is still on the line. Firm, professional, never rude.
The problem it kills
Nobody on your team wants to make collection calls, so they slip, and every week an invoice ages it becomes measurably less likely to be paid in full. Failed subscription payments are worse: the card declines silently and the customer churns without ever deciding to. The fix is unglamorous, consistent, same-day, polite follow-up on every single overdue account, which is precisely the work humans avoid and agents never skip.
What it handles
- Scheduled follow-up sequences on overdue invoices and renewals
- Failed-payment recovery calls the same day the card declines
- Payment-link delivery via WhatsApp or SMS during the call
- Commitment capture: amount, date, method, logged to your books
- Escalation flags for disputes that need a human
How a call actually runs
- Invoice hits 7 days overdue. The agent calls the accounts contact.
- It references the invoice number, amount and terms, and asks about status.
- Ready to pay? The link arrives on WhatsApp before the call ends.
- Need time? It negotiates a date within your rules and logs the commitment.
- Disputes route to your team with the transcript attached.
What it plugs into
- Accounting software
- Payment gateways
- WhatsApp / SMS
- CRM
The numbers it moves
Days
cut from average receivables age
100%
of overdue accounts followed up
Same-day
failed-payment recovery calls
What it costs
Pilot deployments start at $500/month including 3,000+ call minutes, one production agent and a dedicated number, live inside 14 days with no setup fee. At volume, effective rates drop to about $0.05 per minute all-in, against $0.30+ per minute typical platform pricing. Every engagement ships with the ROI model in writing before we build. If the math does not clear 5x, we decline the project.
Questions we get
- Will it damage customer relationships?
- The tone is service, not collections: a helpful reminder with an instant way to pay. Scripts are yours to approve, and anything contentious escalates to a human.
- Is this compliant for consumer debt?
- This agent is built for first-party B2B and subscription receivables, money owed directly to you. We scope compliance rules per market before any campaign runs.
- How does it take payment?
- It never takes card numbers on the call. It sends your payment link on WhatsApp or SMS while the customer is on the line and confirms receipt.
Want this running on your phone lines?
One call with the founder. We run your numbers live and tell you, honestly, whether this playbook clears 5x for your operation.