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AI agents for collections: recover debt faster

Accelerate your collections and debt recovery processes with AI agents that send payment reminders, negotiate next steps, and escalate sensitive cases to your team. Recover debt sooner, with less operational effort and greater control.

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Customers who already trust Inagent

Measurable results

Automate collections and debt recovery with a direct impact on efficiency and recovery

Greater reach
X12
Contact sweep speed vs.
traditional contact center
Operational savings
-60%
cost per contact vs.
traditional contact center
Debt recovered
+43%
in amount recovered vs.
traditional contact center
Live in just 3 weeks
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Use cases

AI agents that power your collections and debt recovery processes

Outbound
Payment reminders

When debt or early-stage arrears are not managed in
time

Overdue balances pile up and every day counts. Inagent contacts the customer, reminds them of the outstanding amount, and helps them bring the debt up to date according to your rules.

What the AI agent does:
  • ✓Sends alerts about due dates and outstanding payments.
  • ✓Sends links, instructions, or payment methods.
  • ✓Retries contact based on priority and contact timing.
  • ✓Offers payment alternatives when pre-approved.
  • ✓Records new promises to pay in your systems.

Result: Higher recovery in early-stage arrears, with fewer manual tasks for your team.

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Outbound
Promise-to-pay follow-up

When a commitment exists, but does not always result in payment

An untracked promise to pay may remain only an intention. Inagent records commitments, confirms dates, and follows up if the agreement is not fulfilled.

What the AI agent does:
  • ✓Records the expected payment date and promised amounts.
  • ✓Sends payment confirmation to the customer.
  • ✓Updates the case status in your CRM or other systems.
  • ✓Re-engages the customer across different channels if payment is not completed.
  • ✓Escalates to the team when the commitment requires review.

Result: More promises to pay fulfilled and more debt recovered, with less operational effort.

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Inbound
Debt inquiries

When the customer is willing to pay but has a question

An unclear invoice, an unexpected amount, or a lost payment link can stall collections. Inagent assists and guides the customer.

What the AI agent does:
  • ✓Identifies the customer and associated account.
  • ✓Answers questions about invoices, amounts, dates, or payment status.
  • ✓Retrieves authorized information from your systems.
  • ✓Resends payment instructions and links.
  • ✓Escalates disputes or sensitive cases to the team.

Result: More unblocked payments and higher debt recovery through inbound channels.

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Inbound + Outbound
Intelligent escalation

When the case requires sensitivity and human judgment

Sensitive cases need judgment, context, and a clear handoff. Inagent summarizes the interaction and routes the conversation to the right team.

What the AI agent does:
  • ✓Detects negative sentiment in disputes and disagreements.
  • ✓Identifies vulnerable customers or exceptional cases.
  • ✓Summarizes the history, debt, contact, and customer response.
  • ✓Classifies escalation priority and reason.
  • ✓Transfers the conversation to the right agent with context.

Result: More critical cases reach the right agent with the context needed to act.

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Button TextButton Text
Omnichannel collections

Strengthen your collections and debt recovery strategy with AI agents across every channel

WhatsApp

Send reminders, instructions, and payment links, answer questions, and keep the collections conversation in a familiar channel.

Person using WhatsApp

Voice

Make collection calls, confirm identity, explain outstanding payments, and escalate to the team when human intervention is required.

Person talking on the phone

Webchat

Handle inquiries about debt, invoices, or payment methods when customers visit your website looking for information.

Customers using webchat

Instagram and Facebook

Turn social media messages into traceable collections interactions, especially when customers respond through campaigns or social profiles.

Person using Instagram and Facebook

SMS and RCS

Send brief notices, payment reminders, confirmations, and payment links that help customers bring debt up to date in fewer steps.

Person receiving an SMS
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Enterprise solution

A comprehensive AI agent platform for collections

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Collection procedures

Inagent responds with approved information about debt, invoices, due dates, payment policies, and permitted terms.

Proactive omnichannel collections

Connect voice, WhatsApp, webchat, SMS, RCS, and social media to maintain consistent contact, follow-up, and escalation criteria across every channel.

Integrated with your systems

AI agents retrieve authorized information and update interactions in CRM, contact center, payment platforms, ERP, and other systems.

Multi-agent system

Create specialized AI agents for reminders, inbound inquiries, promises to pay, outbound campaigns, and escalation to human agents.

Escalation to the right team

Define how far AI agents can go and route each case with its history, debt, customer response, priority, and a clear reason for transfer.

Data for better debt recovery

Analyze promises to pay, reasons for non-payment, frequent inquiries, disputes, and escalations to optimize your collections processes.

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Security and governance

AI agents for safer, traceable, and controlled collections

Certified AI governance

Inagent holds ISO/IEC 42001 and ISO/IEC 27001 certifications to operate AI agents with governance, information security, and control in sensitive collections processes.

Sensitive data protection

Inagent is PCI DSS v4 certified for the secure handling of transactional data and applies GDPR-aligned privacy policies to protect personal data.

Solution for high-volume campaigns

Inagent runs on Amazon Web Services to maintain security, stability, and availability even during high-volume collections campaigns.

Scale your collections strategy with AI agents

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Rapid implementation

Launch your collections AI agents with expert support

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1.

1. Together, we choose where to
start

Together, we analyze the impact on debt recovery, portfolio type, and technical feasibility to identify the process with the greatest potential for success.

Request a free demo
2.

2. Together, we design the collections
AI agent

Together, we define the tone, contact rules, messages, information sources, permitted terms, available actions, and escalation criteria.

Request a free demo
3.

3. We connect Inagent to your
operation

We integrate CRM, ERP, contact center, payment platforms, and other systems needed to retrieve or update information.

Request a free demo
4.

4. We go live and
improve it together

We activate the AI agent in phases, review conversations, measure recovery, and adjust the flow using real data to keep scaling.

Request a free demo
1.

1. Together, we choose where to start

Together, we analyze the impact on debt recovery, portfolio type, and technical feasibility to identify the process with the greatest potential for success.

2.

2. Together, we design the collections AI agent

Together, we define the tone, contact rules, messages, information sources, permitted terms, available actions, and escalation criteria.

3.

3. We connect Inagent to your operation

We integrate CRM, ERP, contact center, payment platforms, and other systems needed to retrieve or update information.

4.

4. We go live and improve it together

We activate the AI agent in phases, review conversations, measure recovery, and adjust the flow using real data to keep scaling.

Don't let debt grow because of limited operational capacity

Request a free demo
Frequently asked questions

How AI agents for collections work

What are AI agents for collections?

AI agents for collections can automate collections and debt recovery interactions across voice and text channels. They can contact customers, remind them about outstanding payments, answer questions about debt or invoices, record promises to pay, follow up, and escalate sensitive cases to the human team. Their goal is to accelerate debt recovery, reduce manual tasks, and maintain a more traceable process.

Can collections be automated without losing control of the process?

Yes. Automating collections does not mean allowing AI agents to act without limits. With Inagent, you can define contact rules, permitted terms, escalation criteria, available channels, and authorized actions. AI agents therefore operate within your procedures, while your team retains control over cases that require review. Learn more about how to automate collections to improve debt recovery here.

Can AI agents manage both collections and debt recovery?

Yes. Inagent adapts to different stages of the process, from early-stage arrears to more advanced debt recovery. It can be used for payment reminders, debt regularization, promise-to-pay follow-up, inbound inquiries, outbound campaigns, and escalation of sensitive cases. This makes it possible to cover more stages of the process without relying exclusively on manual interactions.

Which channels can collections AI agents operate in?

Collections AI agents can operate through voice, WhatsApp, webchat, SMS, RCS, Instagram DM, and Facebook Messenger. This makes it possible to contact customers through the most appropriate channel for each interaction, maintain conversational continuity, and strengthen the collections strategy without relying on a single point of contact.

What happens if the customer files a dispute, disagrees, or needs an exception?

Inagent detects negative sentiment or when the conversation is taking too long, especially when there are disputes, disagreements, or situations outside the defined rules. In these cases, the AI agent summarizes the history, classifies the reason, and routes the conversation to the right agent with the context needed to act.

Does Inagent integrate with business systems used for collections?

Yes. Inagent can connect to CRM, ERP, contact center, payment platforms, and other business systems via API. AI agents can then retrieve authorized information, update statuses, record commitments, send payment instructions, and maintain traceability for every interaction.

Is it safe to use AI agents in collections processes?

Yes. Inagent is designed to operate in sensitive processes involving personal data, debt, payment terms, and transactional data. It holds security certifications: ISO/IEC 42001 and ISO/IEC 27001, PCI DSS v4 for the secure handling of transactional data, and GDPR-aligned privacy policies. In addition, information is encrypted in transit and at rest.

How long does implementation take?

Implementation is carried out in phases, starting with a specific use case with high impact potential, such as payment reminders, promise-to-pay follow-up, or debt inquiries. The Inconcert team supports definition, configuration, integration, go-live, and continuous improvement to deliver value from the first interactions and then scale using real data.

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