Understands free-form replies
Reads the intent behind each message and picks the next action.
- "Can I split it?"Offers an installment plan
- "I'll pay on Friday"Logs a promise to pay
- "I don't know this debt"Flags it as disputed
AI Collections Bot
Your AI collections agent, 24/7.
Negotiates and closes payment agreements on WhatsApp. Comes with a web panel where your team sets rules, campaigns and messages.
Agreement confirmed
Logged- Account
- Martina R. · 4471
- Plan
- 3 installments
- Per installment
- $614.40
- First due date
- 10/20
- Channel
From debt to agreement, with no manual work.
Collections Bot
online
- 1
Notifies
Reaches every account with its balance and due date, in your brand's voice.
- 2
Confirms the debt
Checks that the person recognizes the debt before moving on.
- 3
Negotiates
Offers full payment, installments, extensions or a promise to pay, per your rules.
- 4
Closes the deal
Confirms amounts and dates in writing, in the same chat.
- 5
Logs it
Updates the status in your collections system instantly.
Collections Bot
online
Hi Martina, I'm the AI collections assistant. You have a balance of $1,843.20 past due since 10/03.
A bot that negotiates like your best collector.
Not a button menu. It understands what people write and replies within the rules you set.
Payment plans your way
Plans and discounts configurable by debt amount. The AI never makes up terms.
Full payment3 installmentsDown payment + installmentsDue date extensionPromise to pay
Mass campaigns
Upload a spreadsheet and reach thousands of accounts with delivery and reply tracking.
10,118
collection cases automated with AI in our real case
Management panel included
Campaigns, messages, plans and WhatsApp lines in one place.
- 1-30 days past dueRunning
- Installment reminderScheduled
- Post-agreement surveyFinished
Connected to your system
Every agreement is logged in your collections system automatically. No manual entry.
And the whole workflow, covered
- Automatic debtor identification by ID number
- Up-to-date debt statement with discount
- Automatic follow-up if they drop the conversation
- Confirmation and due date reminders
- Hand-off to a human agent when needed
- Delivery and read tracking for every message
Full control, from a web panel.
The bot comes with its own management panel. Your team sets the rules; the AI applies them in every conversation.
panel.summant.com
Dashboard
Messages received today
3.482
Active lines
4/4
Campaign progress
68%
Messages per hour
Live monitoring
Progress of every campaign, incoming messages and WhatsApp line status in real time.
Real case: debt collection law firm · March to October 2026
Over 15,500 conversations and 1,587 payment agreements in 7 months.
- payment agreements closed by the bot, with no human involved
- 1,587
- of debtors identify themselves, validating their ID in the chat
- 94%
- of conversations happen outside office hours
- 23%
- of agreements past their due date are already paid
- 48%
Conversations per month
Since June the bot has handled twice the volume, with no extra staff.
| Month | Conversations |
|---|---|
| Mar | 1,542 |
| Apr | 1,287 |
| May | 1,397 |
| Jun | 2,458 |
| Jul | 3,351 |
| Aug | 2,718 |
| Sep | 2,683 |
Wins back the ones who leave
If a debtor drops the conversation, the bot follows up on its own.
- followed up after dropping off877
- replied again40%
- closed a payment agreement12%
Client testimonial
“We doubted an AI could successfully negotiate debt at scale. The results exceeded our expectations.”
Designed to handle sensitive data.
Closed rules
The AI only offers terms you configured. Nothing off-policy.
Traceability
Every message and agreement is logged and auditable.
Per-operator access
Individual users for your team in the management panel.
ISO 9001
Built and operated under a certified quality management system.
Frequently asked questions
What's included?
The WhatsApp bot plus the web management panel: campaigns, payment plans, messages and lines, with users for your team.
Do I need to change my collections system?
No. The bot integrates with your current system and logs every agreement there.
Can I define my own payment plans?
Yes. You configure options per campaign type: full payment, installments, extensions and promises, with their amounts and terms.
Can the AI offer something we didn't approve?
No. The AI reads the conversation, but offers come only from the rules you loaded.
Does the bot work after hours?
Yes. It replies 24/7, including weekends and holidays. In our real case, 23% of conversations happen outside office hours.
How long does implementation take?
It depends on the integrations with your systems. We estimate it together in the first meeting.
Does it work on channels other than WhatsApp?
Today the bot is optimized for WhatsApp, which is where your customers reply.
Contact us
Ask about AI solutions for collections or book a demo to see the bot in action.