Friendly AI payment reminders. Collect on time without burning the relationship.
Overdue invoices and failed subscription charges cost more than the bad debt itself. They cost the next renewal. Emma emails first, calls if it goes quiet, and updates the card on the line in about 30 seconds. No collections energy, no awkward chasing.
Who it's for
- B2B SaaS and agencies chasing net-15 / net-30 invoices that quietly slip past due
- Subscription and membership brands losing revenue to failed card charges (involuntary churn)
- DTC brands managing buy-now-pay-later and split-payment defaults
- Service businesses that hate calling good customers about money
- Finance teams that want a clean audit trail instead of a spreadsheet of who owes what
- Anyone whose dunning today is three Stripe emails and a shrug
How it works
- 1
Invoice goes overdue or a charge fails
Stripe, Chargebee, Recurly, QuickBooks, or Xero flags the miss. Callsy picks it up on the day you choose (day 1, 3, 7, whatever cadence fits) and starts the sequence automatically.
- 2
Emma emails first, on your brand
Short, warm message with the invoice number, amount, and a one-tap pay link. Most customers settle here. Around 56% of overdue invoices clear from email before a single call is placed.
- 3
Voice + SMS escalation if it goes quiet
Emma calls, confirms identity, asks if anything's wrong, and either retries the card or texts a secure update link. Stripe / Chargebee updates in real time and the retry fires on its own.
Why it works
- Most failed payments are administrative, not financial. Expired card, new bank, an email that got buried. A 30-second nudge fixes the large majority of them.
- Involuntary churn (revenue lost to failed charges, not cancellations) is one of the most recoverable forms of churn there is. A polite retry sequence wins back money you already earned.
- Voice hits the right level of seriousness without the collections-letter energy that torches NPS and referrals.
- Email-first respects how people actually want to pay: from their phone, in a few taps, not a desktop invoice PDF.
- Same-call card update. Emma sends a PCI-DSS-compliant link on the line, so there's no "I'll send it over" loop that never closes.
- Every touch logs to your billing and accounting stack, so finance gets a clean, defensible audit trail.
- It scales the awkward work. The calls nobody on your team wants to make get made consistently, in a friendly voice, every time.
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.
How is this different from Stripe Smart Retries or built-in dunning?
Built-in dunning is passive. It retries the card on a fixed schedule, sends a few emails, then gives up. Emma adds the human layer that recovers the hard cases: she calls, finds out why the payment failed, takes a new card on the line, and keeps the relationship intact. Smart Retries handles the easy "try again Tuesday" misses. Emma handles the ones that need a real conversation.
How much revenue can I actually recover?
It depends on your failed-payment volume, but it is usually larger than teams expect, because involuntary churn compounds. Every recovered subscription is not one charge, it is the lifetime of that customer. Most subscription and B2B customers see Callsy pay for itself in the first week from a single saved account.
Can I control the cadence and the tone?
Yes. You set which days the emails and calls go out, how many attempts, and where the sequence stops. Emma is friendly and on-brand by default, and you can dial her warmer or more formal. For anything past 60 days you can auto-hand off to your collections vendor with the full call log attached.
Does Emma speak my customers' language?
Yes. Emma handles English, Spanish, and 40+ other languages, and detects the caller's language automatically. Payment conversations land better in someone's first language, especially when you are asking them to act.
Does this work for one-off B2B invoices, not just subscriptions?
Both. For subscriptions Emma recovers failed card charges. For B2B she chases net-15 / net-30 invoices before they age into real problems. Same friendly sequence, whether it is an €89 renewal or a €4,000 invoice.
Hire Emma for your payment reminders workflow.
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