Powerful Features Built for Debt Collection

Every feature is designed to help collection agencies increase recovery rates, maintain FCA compliance, and reduce operational costs.

Conversation Engine

Intelligent AI that understands debtor intent and responds naturally

AI Intent Detection

Automatically classifies debtor responses into actionable intents

Balance enquiry recognition
Payment plan requests
Promise-to-pay detection
Dispute and complaint identification
Hardship and vulnerability signals

Natural Language Processing

Handles free-text debtor replies with human-like understanding

Free-text response interpretation
Multi-turn conversation support
Context retention across messages
Opt-out and STOP handling
Callback and crisis language detection

Configurable Response Templates

Dynamic personalisation with your agency's tone and branding

Customisable message templates
Dynamic field insertion (name, balance, dates)
Brand voice consistency
Multi-client template management
A/B message testing

Account Management

Full lifecycle tracking for every debtor account

CSV Bulk Import

Upload thousands of debtor accounts in minutes

Bulk CSV upload of debtor accounts
Field mapping and validation
Duplicate detection
Batch processing
Import history and audit log

Account State Machine

Structured workflow states for every account

New → In Sequence → Engaged
Payment Plan → Resolved
Escalated → Closed
State transition rules enforcement
Full interaction history per account

PII-Aware Data Handling

Sensitive data treated with care at every step

GDPR-compliant data storage
Data retention policies
Right to erasure support
Encrypted data at rest and in transit
Role-based access controls

Payment Support

Convert conversations into payments seamlessly

Payment Link Generation

One-click payment links delivered via SMS

Secure payment link generation
Payment link delivery via SMS
Link expiry and regeneration
Payment confirmation messaging
Receipt delivery

Instalment Plan Management

Automated plan creation and tracking

Instalment plan creation
Flexible payment schedules
Pre-payment reminders
Missed payment detection
Plan modification via SMS

Promise-to-Pay Tracking

Capture and follow up on payment commitments

Promise-to-pay capture
Reminder scheduling
Broken promise detection
Automated follow-up sequences
Agent notification for non-compliance

Compliance & Safety

FCA Consumer Duty compliance built into every interaction

FCA Consumer Duty Workflows

Regulatory compliance at every step

Contact hour enforcement (8am–9pm)
Frequency caps and cooling-off periods
Opt-out and STOP handling (immediate)
Vulnerability and crisis detection with auto-escalation
Full audit trail of every message and decision

Human Agent Queue

Categorised escalation with full context

Categorised queue (dispute, complaint, vulnerability, complex)
Priority scoring
Full conversation context handover
Agent resolution tracking
Outcome recording

Audit & Governance

Complete transparency for regulators and clients

Immutable message logs
Decision audit trails
Escalation reason recording
Compliance reporting
Data export for regulatory review

Operations & Analytics

Real-time visibility into every aspect of your collection performance

Real-Time Dashboard

Response rates, payment conversion, escalation volume, and SLA performance — all in real-time. Make data-driven decisions about your collection strategy.

Sequence Performance Analytics

Understand which outreach sequences perform best. Track response rates by message type, timing, and debtor segment to continuously optimise.

Agent Productivity Metrics

Measure agent resolution times, escalation handling efficiency, and outcome quality. Identify training opportunities and celebrate top performers.

Integrations

Works with your existing collection technology stack

SMS

Twilio

SMS/MMS

UK Numbers

Opt-out Management

Data & Processing

CSV Import/Export

REST API

Automated Sequences

SLA Monitoring

Agency Platforms

CRM Integration

API-First Architecture

Webhooks

Custom Integrations