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Payments · Outbound calls

AI collection calls that get a promise-to-pay date, politely

Call every overdue account in the borrower's language, capture a promised date and reason, and pass hard cases to your collections team.

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Overdue loan, 15 days past dueDebt collection and promise-to-pay · AI voice agentTelugu
నమస్కారం, ఇది శ్రీ ఫైనాన్స్ నుండి ఆటోమేటెడ్ కాల్, ఈ కాల్ రికార్డ్ చేయబడుతోంది. నేను రమేష్ గారితో మాట్లాడుతున్నానా?Hello, this is an automated call from Sri Finance, and this call is being recorded. Am I speaking with Ramesh garu?
అవును, నేనే.Yes, it's me.
ధన్యవాదాలు. మీ ₹8,200 వాయిదా 15 రోజులుగా పెండింగ్‌లో ఉంది. ఎప్పటిలోగా చెల్లించగలరు?Thank you. Your instalment of ₹8,200 has been pending for 15 days. By when can you pay?
ఈ నెల కొంచెం కష్టంగా ఉంది. సగం మాత్రమే ఇప్పుడు కట్టగలను.This month is a bit difficult. I can only pay half now.
అర్థమైంది. పాక్షిక చెల్లింపు గురించి మా టీమ్ సభ్యుడితో ఇప్పుడే కలుపుతున్నాను. దయచేసి లైన్‌లో ఉండండి.Understood. I'm connecting you now to our team member about a part-payment. Please stay on the line.
Part-payment request · reason: cash flow · transferred to collections officer

What is an AI debt collection call?

An AI debt collection call is an automated, polite phone call to a customer with an overdue amount. It states the dues, asks why payment is late, records a promise-to-pay date and amount, and transfers disputes or hardship cases to a person. Repayment details follow on WhatsApp or SMS right after the call.

Updated

Why is this hard to do by hand?

Early buckets get too little attentionTele-callers spend their day on large overdue accounts. Small accounts 1 to 30 days late are left alone until they become hard to recover.
Promises are not trackedA borrower says 'I'll pay on the 20th', but nobody writes it down or calls back on the 21st. The promise is lost.
Tone and compliance riskRushed or rude agents create complaints. Lenders need a consistent, polite script and a recording of every call.

How does an AI debt collection and promise-to-pay call work?

  1. Share overdue accountsUpload a sheet with customer name, number, overdue amount and days past due, or push accounts from your loan or billing system to the MsgClub API.
  2. Set the script and limitsStart from the collections template. Add what the AI may say about charges, part-payment and who it should transfer to.
  3. AI calls at volumeThe agent calls thousands of accounts at once, states the dues politely, asks for the reason and records a promise-to-pay date and amount.
  4. Transfer when a person is neededDisputes, settlement requests and hardship cases are transferred to your collections team, or logged for a callback.
  5. Follow up on promisesRepayment details go out on WhatsApp or SMS after the call. Promised dates reach your system by webhook so you can call again if the date passes.

When does the AI call?

Run one campaign for each step: upload that day's list, or let your billing software send it by API.

  1. 1 to 7 days overdueA soft reminder that the payment was missed, often an honest delay. The AI shares the amount, captures a promise-to-pay date and the payment link follows after the call.
  2. 15 to 30 days overdueA firmer call that asks for the reason, records a promised date and amount, and offers a transfer to your team for part-payment requests.
  3. Broken promise follow-upWhen a promised date passes without payment, your system triggers another call. The AI refers to the earlier promise and asks for a new, firm date.
  4. Dispute or wrong numberIf the customer disputes the amount or is not the right person, the AI does not share account details, logs the case and transfers or closes politely.

What do you get after every call?

Each result appears in your dashboard and is sent to your system by webhook.

  • Customer
  • Overdue amount
  • Days past due
  • Reason
  • Promise-to-pay date
  • Promised amount
  • Transferred
  • Recording

Who uses it?

Banks, NBFCs and lendersBroadband, ISP and DTH providersSmall and medium businessesSchools, colleges and coaching institutesProperty management and housing societiesInsurance companies and agents
See all industries

What do the numbers say?

8 am to 7 pm
RBI's amended recovery directions, issued on 6 August 2026 and in force from 1 January 2027, allow recovery calls only between 8 am and 7 pm, require the content of recovery calls to be recorded, and ask lenders to tell the borrower the call is recorded.Reserve Bank of India, Responsible Business Conduct Amendment Directions, 2026 (commercial banks; parallel directions apply to NBFCs and other lenders) (2026)

Debt collection and promise-to-pay: common questions

Is AI debt collection allowed in India?

Yes, for lenders and businesses calling their own customers about their own dues. You stay responsible for consent, DND and RBI recovery rules: calls only between 8 am and 7 pm, no intimidation and, from 1 January 2027, recorded calls with the borrower told about the recording.

Will the AI use threatening language?

No. The collections template is polite and factual. It states the dues, asks for a reason and records a date. You approve the script, and every call has a recording and transcript you can review.

Can the AI agree to a settlement or waiver?

No. The AI does not negotiate settlements or waive charges. It records the request and transfers the call to your collections team, or logs a callback, so a person makes that decision.

How are promise-to-pay dates used?

Each promised date and amount appears in the dashboard and is sent to your system by webhook. Your system can then start another call through the API if the date passes without payment.

What if someone else answers the phone?

The AI first confirms it is speaking with the right person. If not, it does not mention the amount or loan, asks for a good time to call back and logs the outcome.

Which languages can collection calls use?

Any of the 12 confirmed languages: Hindi, English, Tamil, Telugu, Kannada, Malayalam, Marathi, Gujarati, Punjabi, Bengali, Odia and Assamese, plus Hinglish. You choose the language for each campaign.

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Hear a debt collection and promise-to-pay call on your phone

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