Traditional Collections Are Broken
The average collection agency reaches only 15-20% of debtors. Agents burn out making hundreds of calls that go unanswered. Compliance violations cost millions in fines.
Meanwhile, debtors ignore calls from unknown numbers, emails go to spam, and payment opportunities slip away every day.
timepay.ai's AI agents reach 3x more debtors, negotiate payment plans 24/7, and guarantee 100% complianceturning your collection operation into a recovery engine.
Collections Across Every Industry
Purpose-built AI agents for every type of receivablecompliant, professional, and effective.
Debt Collection
Consumer debt, credit cards, and personal loans with FDCPA-compliant outreach.
Medical Billing
Patient balances and insurance follow-ups with HIPAA-compliant communications.
B2B Collections
Commercial receivables and invoice recovery with professional business communication.
Loan & EMI Recovery
Auto loans, mortgages, and personal loan EMI collection with payment flexibility.
Utility Collections
Electricity, water, telecom, and subscription payment recovery at scale.
Education & Tuition
Student fee collection and education loan follow-ups with sensitive handling.
Why AI-Powered Collections Win
Transform your recovery rates while reducing costs and maintaining compliance.
Traditional vs AI-Powered Collections
The numbers speak for themselves.
AI-Optimized Collection Workflow
Intelligent strategies for every stage of delinquency.
Before Due Date
- Upcoming payment reminders
- Due date notifications
- Auto-pay enrollment prompts
- Payment method confirmation
- Early payment incentives
0-30 Days Past Due
- Friendly payment reminders
- Auto-pay setup assistance
- Payment date rescheduling
- Balance clarification
- Multiple payment options
31-90 Days Past Due
- Increased outreach frequency
- Payment plan negotiations
- Hardship assessment
- Partial payment acceptance
- Promise-to-pay tracking
90+ Days Past Due
- Settlement offers
- Skip tracing integration
- Legal notice delivery
- Final demand communications
- Agency handoff preparation
Post-Settlement
- Payment confirmation
- Receipt delivery
- Account status updates
- Credit reporting updates
- Customer rehabilitation
Enterprise Collection Platform
Everything you need to run a modern, compliant collection operation.
From Setup to Scale in Weeks
Our team helps you deploy AI agents tailored to your products and processes.
Connect & Configure
Integrate with your core banking systems via secure APIs. Define conversation flows and compliance rules.
Deploy AI Agents
Launch voice agents for calls and WhatsApp agents for messaging. Each customer gets a personalized journey.
Scale & Optimize
Handle millions of interactions while AI continuously learns and improves from every conversation.
Voice and Messaging Agents
Reach debtors on their preferred channel with professional, compliant communication.
Voice Agents
Outbound Collection Calls
- Natural conversation with empathy
- Payment negotiation and plan setup
- Real-time payment processing
- Dispute handling and escalation
- Voicemail and callback scheduling
- Multi-language support
Tailored for Your Industry
Specialized compliance and conversation flows for every collection vertical.
Medical Collections
HIPAA-compliant patient communication with sensitivity for healthcare balances.
- HIPAA-compliant messaging
- Patient financial assistance
- Insurance coordination
B2B Collections
Professional business communication for commercial receivables and invoices.
- Decision-maker identification
- Invoice dispute handling
- Corporate payment terms
Loan Recovery
Auto, mortgage, and personal loan EMI collection with payment flexibility.
- EMI restructuring options
- Collateral coordination
- Default prevention
