Use case
Payment reminder calls that stay polite and end with a date
The AI agent calls each customer before or on the due date, tells them what is due, asks when they plan to pay and sends your payment link on WhatsApp if they want it. Anyone with a problem is passed to your team.
- AI agentनमस्ते Sharma जी, मैं Northstar Finance की AI assistant Kavya बोल रही हूँ। आपके two-wheeler loan की अगली EMI के बारे में बात करनी थी, क्या अभी एक मिनट है?Hello Sharma ji, I'm Kavya, the AI assistant from Northstar Finance. I wanted to talk about the next EMI on your two-wheeler loan. Do you have a minute?
- Callerहाँ, बताइए।Yes, tell me.
- AI agentआपकी चार हज़ार दो सौ रुपये की EMI पाँच तारीख़ को due है। क्या आप उससे पहले payment कर पाएँगे?Your EMI of four thousand two hundred rupees is due on the fifth. Will you be able to pay before then?
- Callerइस बार salary सात तारीख़ को आएगी, तो सात को कर दूँगा।This time my salary comes on the seventh, so I'll pay on the seventh.
- AI agentठीक है जी। क्या मैं WhatsApp पर payment link भेज दूँ, ताकि उस दिन आसानी रहे?All right. Shall I send the payment link on WhatsApp so it's easy on the day?
- Callerहाँ, भेज दीजिए।Yes, send it.
- AI agentक्या इस loan से जुड़ा कोई और सवाल है जिसमें मैं मदद कर सकूँ?Is there anything else about this loan I can help with?
- Callerनहीं, बस इतना ही। धन्यवाद।No, that's all. Thank you.
Reminders are the calls nobody on your team wants to make
Every month someone sits with a due list and a phone. The calls are awkward, so they get pushed to the end of the day, made in a rush, or skipped for the customers who are hardest to talk to.
SMS and email reminders are easy to ignore. A call gets attention, but a pushy call damages a relationship you want to keep, whether that is a parent paying school fees or a customer on their fourth EMI.
Most reminders need the same four things: who you are, what is due, by when, and how to pay. The calls that need judgement are the ones where the customer has a problem, and those should reach a person quickly.
On the call
What the agent does, step by step
- 1
Load the due list
Import a CSV or Excel of customers with the amount and due date, or send each due customer to a workflow by webhook.
- 2
A clear, polite opening
The agent says who is calling and why, and states the amount and due date from the customer's record.
- 3
Ask for a plan
It asks when they plan to pay. If they say they have already paid, it notes that and closes the call politely.
- 4
Offer the payment link
If the customer wants it, the agent sends your approved WhatsApp template with the payment link, during the call or right after it.
- 5
Problems go to a person
A dispute, a request for more time or a wrong amount gets your disposition and is assigned to your team, or transferred live.
Into your CRM
What it captures on every call
- Payment status: already paid, will pay, needs help
- Promise-to-pay date, as the customer said it
- Preferred payment mode (UPI, bank transfer, at the branch)
- Reason for any delay, in the customer's words
- Dispute or wrong-amount flag
- Consent to receive the payment link on WhatsApp
After the call
What happens next
| When | Then |
|---|---|
| The customer gives a date to pay | The date is saved on the call record with the summary. The WhatsApp payment link goes out if they accepted it, and delivery is tracked. |
| The customer says they have already paid | Marked with your Already paid disposition and assigned to accounts to check, instead of being called again. |
| Dispute, wrong amount or a request for more time | Assigned to a person on your team with the summary, or transferred live if you set a handoff number. |
| No answer | Retried after the gap you set, up to your maximum attempts. Calls where nobody spoke are marked Incomplete. |
| The customer asks not to be called about this | Your Do not call disposition stops automated retries for that customer; it is not a do-not-call list, so remove them from future due lists. |
Set it up
- Import your due list with the amount and due date as fields the agent can read, or send due customers to a workflow by webhook.
- Write a polite opening that names your business, the amount and the due date. Keep the persona calm and factual.
- Add extraction questions: payment status, promised date, payment mode, reason for delay.
- Get your payment-link WhatsApp template approved and link it to the agent.
- Set dispositions (Will pay, Already paid, Dispute, Needs help, Do not call) and route disputes to a person.
- Choose calling windows and a daily cap that suit your customers. DLT registration is done with you before calls start.
What to measure
- Reach rate: customers spoken to ÷ customers on the due list
- Promise rate: calls that end with a pay date ÷ connected calls
- Promises kept: payments received by the promised date, from your own records
- Disputes raised per hundred calls, and time to resolve them
- Payment link delivery: WhatsApp templates sent vs delivered
Where teams use it most
Questions about payment reminders
Can it collect payment on the call?+
No. The agent does not take card, UPI or bank details on the call. If the customer agrees, it sends your approved WhatsApp template with the payment link, or an email, and that send is tracked for delivery.
Is this a debt collection bot?+
No. It is built for reminders to customers you already have a relationship with: fees, EMIs, premiums, invoices and renewals. You write the persona and script, and we recommend keeping it to the facts: what is due, by when, and how to pay. Customers with a problem should go to a person.
Does the agent know each customer's amount and due date?+
Yes, if they are fields on the customer's record. The agent can use the name and any field from your import or form in what it says.
Can each customer get their own payment link?+
A single payment page link inside the template works for everyone. If each customer needs a unique link, confirm with us during setup how that link reaches the template.
What about customers who have already paid?+
The agent asks, notes it and closes politely. Use an Already paid disposition to send those customers to your accounts team for a check, and upload a fresh due list before each round so paid customers are not called.
When do the calls go out?+
Only inside the time windows you choose, and never beyond your daily call cap. Calls also stop if your balance runs out, so a bill can't run away.
Hear it on a real phone call.
Book a 20-minute demo and we'll build a first agent around your script, or ring our test line and talk to one right now.