Recover more debt. Chase less.
A compliant AI agent that recovers arrears across voice, SMS, and email. Automated multi-touch workflows, smart contact timing, payment on the call, and a full audit trail. It collects more without the call centre.
more payments when customers are contacted digitally, rising toward 30% in late-stage arrears, with 15%+ lower cost.
Source: McKinsey, digital-first collections
of US credit-card balances are 90+ days delinquent, a 15-year high.
NY Fed, May 2026
in US household debt, with delinquencies rising across cards and auto loans.
NY Fed, May 2026
of collection agencies say their calls are being blocked. Phone-only is breaking.
ACA International, 2024
One agent. Three channels. One workflow.
Not three disconnected tools. The agent reaches each debtor on the channel they actually respond to, and switches automatically when one goes quiet.
Voice
AI calls the debtor with a natural, compliant conversation. Discloses it's AI, captures intent, takes payment or books a callback.
SMS
Branded text with a secure pay link. Lands when a call goes unanswered, or as the first soft touch for early-stage arrears.
Personalised reminder with the balance, the link, and the deadline. The channel many debtors quietly prefer to act on.
The cadence that recovers, built once, run forever.
Fresh debt is 70–90% collectible. By a year past due it falls toward 20–30%. Speed and consistency are everything, and no collector forgets a follow-up when the workflow runs it.
Soft reminder
Email + SMS the moment a payment fails or an invoice goes past due. Friendly, no pressure, one tap to pay.
First AI call
If unpaid, Emma calls at the time this debtor is most likely to answer. Discloses she's AI, offers to take payment or set a plan.
Multi-touch follow-up
Missed the call? Voicemail drop, then SMS with the pay link, then an email. The right channel fires at the right time.
Escalate or settle
Still open? Offer a payment plan, or hand off to a human collector with the full call history and a complete audit trail.
Recovery-curve figures: commercial collection trade data, 2024. Every cadence is fully configurable per portfolio.
Firm, fair, and never aggressive.
Everything a modern recovery team needs.
Advanced workflows
Build the exact cadence each portfolio needs: delays, conditions, channel order, retries, payment-plan branches, and human-handoff rules. No code.
Client notifications
Keep your creditor clients in the loop automatically: real-time updates when a debtor pays, promises to pay, disputes, or needs escalation.
Multi-channel orchestration
Voice, SMS, and email in one workflow, not three disconnected tools. The agent picks the channel the debtor actually responds to.
Multi-touch follow-up
Automatic retries on the optimal schedule. No collector forgets to follow up, and no debtor falls through the cracks.
Smart contact timing
Calls land when this debtor is most likely to pick up, inside permitted hours for their timezone. Right-party contact, not random dialling.
Pay on the call
Secure payment link sent mid-conversation, or card update taken inline. The debtor acts from their phone while intent is high.
Full audit trail
Every call recorded and scored, every touch logged. Built for FCA Consumer Duty, Reg F, and GDPR record-keeping out of the box.
40+ languages
Recover across markets in the debtor's native language, with the right register and permitted-hours rules per country.
Your clients see progress. You don't lift a finger.
If you collect on behalf of creditor clients, keeping them informed is half the job. Callsy does it automatically: a real-time notification the moment something happens on an account, plus dashboards and exportable reporting.
- ✓Debtor paid in full or part
- ✓Promise to pay logged
- ✓Payment plan agreed
- ✓Dispute or complaint raised
- ✓Vulnerable customer flagged for human review
- ✓Account escalated or settled
Built for the rules, not retrofitted.
EU-native, so UK and EU compliance is the starting point, not an afterthought bolted onto a US product. Every call discloses it's AI, every touch is logged, every opt-out is instant.
Every call opens by disclosing it's AI. Built in, can't be turned off.
Debtor data processed in the EU under a DPA. No training on your data.
Forbearance-first, vulnerable-customer routing, fair and clear communication.
Frequency limits, disclosures, and opt-outs respected across every channel.
Built for whoever's owed money.
Questions AR teams ask.
Anything missing? hello@callsy.ai.
Is AI debt collection legal in the UK and EU?
Yes, with the right setup. You need a lawful basis to contact the debtor, you must disclose it's an AI (EU AI Act Article 50, from August 2026), and you must respect opt-outs and permitted hours. Callsy builds all three in by default. For FCA-regulated firms, calls are designed around CONC forbearance rules and produce a full audit trail.
Does it replace our human collectors?
It handles the high-volume, repetitive early and mid-stage outreach that burns out human teams: the reminders, the first calls, the follow-ups, the pay-link sends. Your collectors focus on complex cases, disputes, and negotiated settlements, walking in with the full call history. Most clients run a hybrid.
Why multi-channel instead of just calling?
Phone-only collection is breaking: ACA International reports 78% of agencies see their calls blocked and 62% report falling right-party contact. McKinsey found customers contacted digitally make about 12% more payments, rising toward 30% in late-stage delinquency, while cutting collection costs by 15% or more. Voice plus SMS plus email recovers what a dialler alone misses.
How does the agent decide when to call?
Each workflow sets the cadence, and the agent times outbound calls for when a given debtor is most likely to answer, inside permitted hours for their timezone. Missed calls trigger an automatic, channel-aware follow-up: voicemail, then SMS with a pay link, then email.
How do our creditor clients stay informed?
Client notifications fire automatically: real-time updates when a debtor pays, promises to pay, disputes, or needs escalation, plus dashboards and exportable reporting. Your clients see progress without you assembling status emails by hand.
Is this aggressive collections?
No. It's digital-first, respectful recovery: clear, compliant, forbearance-aware, and debtor-controlled timing. The goal is to recover the money and keep the relationship intact, which is exactly why a non-adversarial, consistent process tends to outperform old-school chasing.
Put an AI agent on every overdue account.
Book a 15-minute demo. We'll show you a live recovery call, the workflow builder, and the client-notification feed.
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