Handle routine collection interactions, understand customer responses, share authorised account details, capture payment commitments and trigger the next step automatically.
Good morning, am I speaking with Maria Alvarez? This call is on behalf of Northgate Finance and may be recorded.
Yes, speaking. I know the payment is late — I was paid yesterday.
Thank you. The balance on the account is $412.60. Would you like to settle it in full today, or split it across two instalments?
Two instalments, please.
Built for regulated collection operations
Move beyond rigid calling strategies to create more consistent and scalable collection workflows using debt collection AI.
Automate routine calls for overdue payments, payment reminders, follow-ups and the rest of your collection workflows, using the same outbound campaigns engine that runs your other outreach.
By recognising customer intent, the agent can respond conversationally rather than reading a rigid script — which is what keeps a reminder call from turning into a complaint.
Follow-up interactions are initiated automatically depending on the outcome: no reply, a callback request, or an agreed repayment. Nothing waits on someone remembering to schedule it.
Complaints, disputes, financial-hardship cases and difficult negotiations are routed to human agents through a live context handoff whenever the situation calls for empathy, expert judgement or a personalised approach.
Five stages, each governed by rules your compliance team sets rather than by whoever happens to be on the phone.
The voice agent integrates with approved collection systems to prioritise accounts by overdue status, segment and follow-up need — reading from CRM records rather than a separate list.
The agent places outbound calls according to configured workflows, provides the required disclosures, verifies it is speaking to the appropriate party, and explains the purpose of the call before anything else happens.
It interprets customer responses to recognise payment readiness, callback requests, payment queries, disputes, proposed arrangements, financial difficulty, a request for human assistance, or opt-out intent.
Based on your configured rules the agent provides details, captures payment commitments, starts workflows, books follow-ups, or hands complex cases to a human representative. Rules can be adjusted without coding.
Call outcomes, client responses, payment commitments and related interactions are logged in connected systems as activity records, giving collection teams a consistent trail for audit and for the next follow-up.
Bring your disclosure script, your authorised payment options and a sample account segment. We will show you the agent working through them.
The disclosure requirements and payment options differ by sector. The workflow discipline does not.
Automates payment reminders, follow-ups on overdue accounts, payment commitments and repayment discussions across a portfolio too large to work by hand.
Connects with patients about outstanding medical bills, explains the payment options available, books callbacks and secures payment commitments.
Follows up on pending bills and talks through payment provisions while handling the queries that come with debt collection conversations.
Automates reminders for unpaid gas, electricity and water bills while offering payment options and handing complex cases to human agents.
Automates premium payment reminders, follows up on overdue balances, discusses payment options, captures payment commitments and escalates complex billing issues.
Engages parents about outstanding fee payments, shares approved payment details, books follow-ups, captures commitments and handles requests for assistance.
A financial services provider was dealing with low collection efficiency and wanted to reduce the burden on its collection teams at the same time.
After deploying the GirikVoice AI Debt Collection Voice Agent, the organisation automated payment reminders, routine queries and payment commitments, scheduled its own follow-ups, and escalated complex cases to human agents.
Besides native Salesforce and HubSpot, it connects to Microsoft Dynamics 365, Zoho CRM, Twilio, loan management systems and payment platforms — so commitments land on the account, not in a separate tool.
One Integration. Every Platform. Zero Middleware.
Four reasons this holds up once the portfolio is bigger than the team.
It automates standard outbound collection calls, letting you reach more clients without growing the manual calling workload. Payment reminders, overdue follow-ups, callback requests and other repeat interactions are handled so collection teams can shift to the complex cases that need empathy, judgement and negotiation.
Every conversation follows preset workflows, sanctioned messaging and your business rules, which keeps payment reminders, disclosures, data sharing and follow-ups consistent — the same discipline covered by our regulatory procedures.
By handling routine conversations automatically, the agent cuts the workload attached to debt recovery. Teams spend more time resolving disputes, working complex payment situations, managing handoffs and helping clients who need tailored assistance.
Recovery depends on timely follow-up. Based on stated outcomes such as callback requests or payment commitments, the agent automates the next call — keeping outreach consistent and reducing the chance of an account being forgotten because scheduling was manual.
It is a conversational AI system built to handle permitted phone interactions related to payments. Depending on the workflow you deploy, it manages payment reminders, promise-to-pay capture, follow-ups, client queries and other repeat activities, running on the same voice AI platform as the rest of the suite.
Using conversational voice technology, the platform places or receives calls, interprets client responses, follows your preset rules, captures the correct outcome, and decides whether to continue the discussion or hand it to a human agent.
It can support payment-plan interactions where your organisation has defined the authorised options, limits and decision rules. Anything beyond those constraints is transferred to an authorised human agent rather than settled by the agent.
It recognises disputes, complaints and requests for human assistance and routes them to the right team. Sensitive or complex cases need clearly defined escalation patterns, which are configured before go-live rather than left to the model.
Yes. The same agent layer runs contact center automation for inbound service, answers general enquiries as an AI answering service, and performs automated lead qualification on new demand — all writing to the same customer record.
Automate the reminders, the follow-ups and the promise-to-pay capture, and keep your people on the conversations that genuinely need them.
We start with one account segment, prove the workflow, then scale it.