Payments · Outbound calls

AI due date reminder calls for bills, fees and invoices

Remind every customer about every bill, fee and invoice by phone, in their language, and send the payment link right after the call.

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School fee reminder, 3 days before due datePayment due date reminders · AI voice agentHindi

नमस्ते, यह सरस्वती विद्या मंदिर की ओर से एक ऑटोमेटेड कॉल है। क्या मेरी बात आरव के पिताजी से हो रही है?Hello, this is an automated call from Saraswati Vidya Mandir. Am I speaking with Aarav's father?

आरव की दूसरी तिमाही की फीस ₹18,500 है, जो 10 तारीख को ड्यू है। क्या आप तब तक जमा कर पाएँगे?Aarav's second-quarter fee is ₹18,500, due on the 10th. Will you be able to pay by then?

सैलरी 12 को आएगी, तो 12 तारीख तक कर दूँगा।My salary comes on the 12th, so I'll pay by the 12th.

ठीक है, मैंने 12 तारीख नोट कर ली है। कॉल के बाद आपको व्हाट्सऐप पर UPI लिंक मिल जाएगा। धन्यवाद!Okay, I've noted the 12th. You'll get a UPI link on WhatsApp after the call. Thank you!

Promised pay date: 12th · UPI link sent on WhatsApp after the call

What is an AI payment due date reminder call?

An AI payment due date reminder call is an automated phone call that tells a customer what they owe and when, in the language you choose, before and after the due date. It answers questions, records a promised pay date, transfers disputes to your team and sends a UPI or payment link on WhatsApp or SMS right after the call.

Updated 14 Nov 2026

Who uses payment due date reminders?

Invoices and B2B receivablesDistributors, manufacturers, agencies and service firms chasing invoices from dealers and clients before they slip past 30 or 60 days.

Utility and broadband billsElectricity franchisees, water and gas billing, broadband and cable operators with thousands of monthly bills.

School and coaching feesQuarterly school fees, coaching instalments and hostel charges, with calls to parents in Hindi, Marathi, Tamil or any of the 12 languages.

Society maintenance and rentHousing societies, facility managers and landlords collecting monthly maintenance, sinking fund and rent from residents and tenants.

Insurance premiumsAgents and insurers reminding policyholders before the premium date so the policy does not lapse.

Why is this hard to do by hand?

Your team cannot call everyoneTwo people in accounts can make maybe 150 calls a day. At month end you have 3,000 dues, so most customers only get an SMS they never read.

SMS and WhatsApp alone get ignoredA text reminder is easy to swipe away. A polite voice call in the customer's own language gets an answer, a reason and often a date.

Late payments hurt cash flowEvery bill paid 15 days late means salaries, vendor payments and GST deposits come from your own pocket. Chasing by hand also strains customer relationships.

How does an AI payment due date reminder call work?

Share the list of duesUpload a sheet with name, mobile number, amount and due date, or let your billing software send each due to the MsgClub API.
Pick a ready template and languageStart from the payment reminder template, set the language per campaign, and add your business name, late-fee rules and payment options.
AI calls your customersThe agent calls thousands of customers at the same time, states the amount and due date, answers simple questions and asks when they will pay.
Payment link goes out after the callRight after the call, MsgClub sends a UPI or payment link on WhatsApp or SMS from the same account, so paying takes one tap.
See every outcomeThe dashboard and webhooks show who will pay, promised dates, disputes and callbacks, with the recording and transcript of each call.

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.

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.

What do you get after every call?

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

Customer
Amount due
Due date
Call outcome
Promised pay date
Reason for delay
Link sent
Recording

Who uses it?

See all industries

What do the numbers say?

About 24%

of NACH recurring debits in India were returned unpaid in FY2025-26 year to date (4.18 crore of 17.09 crore). Percentage calculated from NPCI data. A reminder call before the debit date gives customers time to fund their account.NPCI, NACH product statistics (2025-26)

Payment due date reminders: common questions

Can the AI send the payment link during the call?

No. The AI tells the customer a link is on its way, and MsgClub sends it on WhatsApp or SMS right after the call ends, from the same account. The link can be your UPI ID, payment gateway page or any payment URL you already use.

What happens if the customer says they have already paid?

The AI thanks them, notes the 'claims paid' outcome with any reference number they share, and ends politely. Your team sees these cases in the dashboard and the webhook result, so accounts can match them before the next reminder goes out.

Which languages can the reminder calls use?

12 Indian languages: Hindi, English, Tamil, Telugu, Kannada, Malayalam, Marathi, Gujarati, Punjabi, Bengali, Odia and Assamese, plus Hinglish. You choose the language for each campaign, for example Marathi for Pune customers and Tamil for Chennai customers.

How do I send the list of customers with dues?

Upload a CSV or Excel sheet with name, mobile number, amount and due date, or have your billing or accounting software call the MsgClub REST API for each due. Results come back to you by webhook and in the dashboard.

Who is responsible for consent, DND and calling hours?

Your business is. MsgClub AI Voice is built for calling your own customers about their own dues. You handle consent, DND preferences and calling hours, and you decide when each campaign goes out. Daytime calls work best for payment reminders.

How is pricing calculated for reminder calls?

You pay one all-inclusive rate per minute that covers the AI, voice, telephony and numbers. The rate is quoted on your monthly call volume, GST is extra, and a free trial is available so you can test a campaign first.

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