KwiqReply's AI Collections Agent sends reminders, handles disputes, negotiates payment plans, and processes payments across WhatsApp, voice, and SMS — all without a collections agent lifting a finger.
No more manual chasing • 25% higher recovery • Adaptive tone strategy • Instant payment links
Start Recovering More FreeEvery overdue account enters the same intelligent collections flow. The AI adapts its tone, channel, and strategy based on customer risk, behaviour, and payment likelihood.
A complete AI collections layer — not just reminder blasts, but a fully adaptive agent that segments, outreaches, negotiates, and closes recovery automatically.
AI adjusts its communication tone — from friendly reminder to firm notice to urgent escalation — based on days overdue, payment history, and customer risk score.
For high-value overdue accounts, the AI negotiates structured payment plans in-conversation — agreeing on installments, scheduling reminders, and confirming acceptance automatically.
Every outreach message includes a personalised, secure payment link — pre-filled with the exact amount due, enabling one-tap payment directly from WhatsApp or SMS.
AI segments overdue accounts by risk level, amount, and likelihood to pay — prioritising high-recovery-probability accounts and applying appropriate escalation strategies.
AI recognises dispute signals, captures the customer's concern, and routes to human agents with full conversation context — preserving the customer relationship during escalation.
Track recovery rates, channel performance, escalation triggers, and payment plan adherence — with weekly reports to optimise your collections strategy.
Numbers from businesses that deployed KwiqReply AI Collections Agent across BFSI, lending, SaaS, and retail.
Most collections tools send blasts. KwiqReply's AI has real conversations that recover money.
AI reads customer signals — tone, payment history, risk score — and dynamically adjusts its approach. Empathetic for hardship cases. Firm for repeat avoiders.
Every message includes a personalised payment link — customers pay in one click from WhatsApp without logging into portals or calling your team.
Unlike SMS blasters, the AI engages in two-way conversations — handling "I can't pay right now", negotiating plans, and moving accounts toward resolution.
Built-in TRAI, RBI, and FDCPA compliance controls — opt-out management, contact frequency limits, and full audit trails for every collections interaction.
From consumer lending to B2B invoices — KwiqReply adapts its collections strategy to every industry's unique requirements.
Lending businesses face high-volume recovery workloads that damage customer relationships when handled poorly. Your AI collections agent sends personalised EMI reminders, handles payment difficulties with empathy, and negotiates restructuring options — recovering more while preserving the customer relationship.
AI sends personalised EMI reminders, handles payment difficulties, and negotiates restructuring plans — recovering more without damaging the customer relationship.
Automated outreach for overdue credit card payments — segmented by balance size, days past due, and credit risk for precision recovery.
Subscription businesses lose significant revenue to failed payments and involuntary churn. Your AI collections agent follows up on failed renewals, prompts customers to update payment methods, and runs multi-step dunning sequences via WhatsApp — recovering revenue before customers lose access.
AI automatically follows up on failed subscription renewals — prompting customers to update their payment method before losing access.
Multi-step dunning sequences via WhatsApp — from friendly reminder to final notice — with adaptive messaging based on customer engagement signals.
Healthcare collections require a careful balance of firmness and empathy. Your AI collections agent follows up on outstanding medical bills with sensitive messaging, offers payment plans to patients in difficulty, and recovers insurance co-pays with clear breakdowns — maintaining patient trust throughout.
AI follows up on outstanding medical bills with empathetic messaging — offering payment plans for patients facing financial difficulty.
Recovers co-pay balances and patient responsibility amounts — with clear breakdowns of what is owed and why, reducing disputes.
Retail businesses face collections challenges at both ends — consumer BNPL balances and wholesale trade invoices. Your AI collections agent handles both, sending personalised reminders with one-click payment links, capturing dispute reasons, and negotiating settlements — at scale.
Recovers buy-now-pay-later and store credit balances — with personalised payment links and one-click settlement options via WhatsApp.
For wholesale and distributor accounts, AI manages overdue trade invoices — sending reminders, capturing dispute reasons, and negotiating settlement terms.
Real estate collections involve multiple payment types — rent, maintenance, and instalment schedules — each with different terms and escalation paths. Your AI collections agent handles all of them, sending structured follow-ups and offering payment plan options before matters escalate legally.
AI follows up on overdue rent and maintenance charges — with structured escalation and payment plan options to resolve arrears without legal action.
Recovers overdue property purchase instalments — with clear breakdowns, penalty calculations, and options to reschedule presented in-conversation.
B2B invoice collection is time-consuming and relationship-sensitive. Your AI collections agent automates invoice follow-ups at 30, 60, and 90 days — escalating tone progressively, capturing dispute reasons, routing confirmed disputes to finance, and reducing days sales outstanding significantly.
AI automates B2B invoice chasing — sending reminders at 30, 60, and 90 days with escalating tone and payment link attached to every message.
AI captures dispute reasons, validates against your records, and routes confirmed disputes to your finance team with full context attached.
Designed for collections teams managing thousands of accounts — with the compliance, security, and control that regulated industries require.
Built-in TRAI, RBI, FDCPA, and GDPR compliance controls — contact frequency limits, opt-out management, and full interaction logging.
SOC 2 Type II certified. All customer payment and account data encrypted at rest and in transit. Full GDPR and DPDP Act compliance.
Every customer interaction, message sent, payment received, and dispute logged — exportable audit reports for compliance teams and legal teams.
Connects to your billing system, CRM, payment gateway, and collections platform — with real-time account status sync and automated reconciliation.
Yes. KwiqReply's AI Collections Agent is built with regulatory compliance as a core requirement — not an afterthought. Contact frequency limits, opt-out management, time-of-day restrictions, and full interaction logging are all built in and configurable per regulation and jurisdiction.
The AI recognises dispute signals in the conversation, captures the customer's concern and reason, and immediately routes the account to your human collections team with full conversation context attached. This prevents escalation and preserves the relationship while your team investigates.
Yes, within boundaries you define. You configure the maximum plan length, minimum payment amounts, and eligibility criteria. The AI presents options within those parameters, gets customer agreement in-conversation, and schedules automatic follow-up reminders for each instalment.
KwiqReply connects via API to your billing platform — whether that's a custom system, Zoho, Chargebee, Stripe, or a major banking core. Overdue accounts are automatically flagged and entered into the collections flow. Payments are reconciled in real time.
KwiqReply is designed to preserve relationships while recovering money. The AI uses empathetic, professional language at all times — adapting tone based on customer behaviour, not just days overdue. Customers who've paid report higher satisfaction than those receiving traditional collections calls.