Friendly AI payment reminders. Collect on time without burning the relationship.
Overdue invoices and failed subscription payments cost more than the bad debt itself. They cost the next renewal. Emma pings on WhatsApp first, calls if needed, and updates the card in 30 seconds.
Who it's for
- B2B SaaS and agencies chasing overdue invoices
- Subscription brands recovering failed payment-method charges
- DTC brands managing buy-now-pay-later defaults
- Service businesses with net-15 / net-30 invoice terms
How it works
- 1
Invoice goes overdue or charge fails
Stripe, Chargebee, QuickBooks, Xero, or your billing system flags the failure. Callsy picks it up on day 1, 3, or 7. Whatever cadence you configure.
- 2
Emma pings on WhatsApp first
Short, friendly message: invoice number, amount, and a one-tap pay link. Most customers settle from this step alone. About 56% of overdue invoices clear via WhatsApp before any call.
- 3
Voice call if WhatsApp goes unanswered
Emma calls, confirms identity, asks if anything's wrong, and either retries the card on file or sends a new payment link by SMS. Updates Stripe / Chargebee in real time.
Why it works
- Failed payments are usually administrative, not financial. Expired cards, changed billing address, missed an email. A 30-second nudge fixes 80% of them.
- Voice escalation is the right level of seriousness without legal/collections energy that destroys NPS.
- WhatsApp-first respects the customer's preferred channel. Most people would rather pay from their phone than open a desktop invoice PDF.
- Same-call card update: Emma can take a new card on the line (PCI-DSS Level 1 routing), so there's no "I'll send you a link" loop.
- Logs everything to your billing system + accounting tool, so finance has a clean audit trail.
What the call sounds like
Hi James, this is Emma from Northstar. Quick AI-assisted call, your monthly subscription charge of €89 didn't go through on Tuesday. Just wanted to see if everything's okay with your card.
Oh, I changed banks last week. New card is in my wallet.
Got it. Happens all the time. I can send you a secure update link by SMS right now, you tap it, enter the new card, takes maybe 30 seconds. Want me to send it?
Yeah please.
Sending now. Once it goes through, the charge retries automatically and you're all set. Any questions on the account while I have you?
What it delivers
Frequently asked
Is this compliant with debt-collection regulations?
Yes. For pre-collections (first 60 days overdue) this is standard accounts-receivable activity, not formal debt collection. We respect TCPA, GDPR, and EU consumer credit directives. For 60+ day defaults, we hand off to your collections vendor with a full call log.
Can Emma take a new card on the call?
Yes. We send a PCI-DSS-compliant payment link by SMS during the call, so the card details never go through the voice channel. The customer updates the card in their browser; Emma confirms success before hanging up.
Which billing systems do you integrate with?
Stripe, Chargebee, Recurly, QuickBooks, Xero, and any system exposing webhooks via Make or Zapier. The card-update link auto-routes to your hosted Stripe / Chargebee billing portal.
Won't reminder calls upset my customers?
Voice reminders consistently outperform debt-letter outreach on NPS. Customers appreciate being treated like humans, not collection cases. Emma keeps it friendly, brief, and offers help. We average 4.6/5 across payment-reminder campaigns.
How fast does it pay for itself?
Most B2B SaaS and subscription customers see ROI in the first week. Recovering one annual €500 subscription that would otherwise churn covers months of Callsy.
Hire Emma for your payment reminders workflow.
Live in 5 minutes. 70% off launch promo. If your agent doesn't pay for itself in 30 days, you don't pay us.