AI payment reminder calls for due dates, plan expiry and EMIs
Remind every customer before and after each due date, in their language, and send the payment link right after the call.
- Bills, fees, invoices and rent
- Plan, policy and subscription renewals
- EMIs and NACH debits
- 12 Indian languages plus Hinglish
What is an AI payment reminder call?
An AI payment reminder call is an automated phone call that reminds a customer about a bill, fee, EMI or plan that is due or about to expire. MsgClub AI Voice calls before and after the due date in the customer's language, records a promised pay date, transfers disputes to your team and sends the payment link on WhatsApp or SMS after the call.
Updated
Two kinds of payment reminder calls
Due date reminders get a bill paid on time. Plan expiry reminders get a plan, policy or subscription renewed before it lapses.
Payment due date reminders
Remind every customer about every bill, fee and invoice by phone, in their language, and send the payment link right after the call.
- Invoices and B2B receivables
- Utility and broadband bills
- School and coaching fees
- Society maintenance and rent
Plan expiry and renewal reminders
Call every customer before their plan, membership or policy runs out, help them pick a renewal, and send the payment link after the call.
- Prepaid, DTH and broadband plans
- SaaS, software licences, domains and hosting
- Gym and studio memberships
- AMC contracts
Due date reminder schedule
Run one campaign for each step: upload that day's list, or let your billing software send it by API.
- 7 days before the due dateA friendly heads-up. The AI confirms the amount and due date, checks the bill reached the customer, and offers to send the payment link early. The link goes on WhatsApp or SMS right after the call, so early payers can clear it the same day.
- 3 days before the due dateThe AI asks whether the customer will pay by the due date. It captures a promised pay date, flags wrong amounts or 'already paid' claims for your accounts team, and resends the UPI link after the call.
- On the due dateA short morning call: 'your payment is due today'. The AI states the exact amount, sends the UPI or payment link right after the call, and offers to connect the customer to your accounts desk if they have a question it cannot answer.
- After the due dateA polite overdue call 1 to 3 days later. The AI asks the reason for the delay, mentions any late fee only if you have set one, records a new promised pay date and sends the link again after the call.
- Grace period or last-chance callThe final reminder before a late fee, penalty or service stop kicks in. The AI explains the deadline clearly, offers a transfer to your team for part-payment or extension requests, and logs the outcome for your follow-up list.
Plan expiry and renewal schedule
Works for gym memberships, broadband and DTH plans, insurance policies, SaaS subscriptions and AMCs.
- 7 days before expiryAn early reminder with the expiry date and current plan price. The AI mentions longer plans or upgrades you have set, notes the customer's choice and sends the matching renewal link on WhatsApp right after the call.
- 3 days before expiryA firmer reminder that the service will stop on a specific date. The AI answers simple plan questions, captures 'will renew on' dates and flags customers who want a call from your sales or support team.
- On the expiry day'Your plan ends tonight.' The AI keeps it short, confirms whether the customer wants to renew today and sends the UPI or payment link by WhatsApp or SMS right after the call so the service does not break.
- After expiryA call 1 to 3 days after the plan lapses. The AI tells the customer their service is paused, explains how to restore it, records the reason for not renewing and sends the link again after the call.
- Grace period or win-back callA last-chance call before the grace period ends, the account is closed, or a renewal offer expires. The AI shares the offer you set, offers a transfer to your team, and logs churn reasons like price, service quality or moving city.
Lender or NBFC? EMI reminders and collection calls follow RBI calling-hour rules and have their own guides.
Payment reminders by industry
Send dues from your billing software, get promises back
Your billing, loan or school software sends each due to the API, or you upload a sheet. When a call ends, a webhook sends the outcome, promised date and recording back, so your team only follows up on the cases that need a person.
- Customer
- Amount due
- Due date
- Call outcome
- Promised pay date
- Reason for delay
{
"event": "call.completed",
"campaign": "fee-reminder-q2",
"contact": { "name": "Rakesh Sharma", "phone": "+9198XXXXXX10" },
"language": "hi",
"outcome": "promise_to_pay",
"amount_due": 18500,
"due_date": "2026-11-10",
"promised_date": "2026-11-12",
"follow_up": "whatsapp_link_sent",
"recording_url": "https://…",
"transcript_url": "https://…"
}Example result for one call. Field names are illustrative; the API documentation lists the exact format.
What rules apply to payment reminder calls?
Reminders about a customer's own bill, fee or EMI are service calls, and your business stays responsible for consent, DND preferences and calling hours. Lenders and their agents must also follow RBI rules on recovery calls: only between 8 am and 7 pm and, from 1 January 2027, recorded with the borrower told. MsgClub calls only the numbers you provide, on the schedule you set.
Read the compliance guideFrequently asked questions
What is an AI payment reminder call?
An automated phone call that reminds a customer about a bill, fee, EMI or plan that is due or expiring. The AI states the amount and date, asks when they will pay, records the answer and sends a payment link after the call.
How many days before the due date should the AI call?
Most businesses call 7 days before, 3 days before and on the due date, then 1 to 3 days after if the bill is still unpaid. You set the schedule per campaign.
Can the AI collect the payment on the call?
No. The AI tells the customer a link is on its way, and MsgClub sends your UPI or payment link on WhatsApp or SMS right after the call ends.
Which languages can reminder calls use?
12 Indian languages: Hindi, English, Tamil, Telugu, Kannada, Malayalam, Marathi, Gujarati, Punjabi, Bengali, Odia and Assamese, plus Hinglish. You pick the language per campaign.
What if the customer disputes the amount?
The AI notes the dispute and can transfer the call to your accounts team. Disputed cases show up separately in your dashboard and webhook results.
Hear a payment reminder call on your phone
Our AI calls you with a sample fee or EMI reminder in the language you choose. Or call it now on +91 79714 42373.