AI payment & debt reminder agent
A reminder agent that nudges overdue invoices firmly but respectfully — only to contacts who agreed to be messaged — and makes paying the easy next step.
The scenario
Late payments are mostly forgetfulness, not refusal, but chasing them by hand is awkward, inconsistent and easy to postpone. A blunt automated dunning message damages the relationship and can breach consumer-protection and data rules; doing nothing leaves cash uncollected. The job needs a firm, polite, consistent nudge that respects the person and the law.
How SMS-24 handles it
SMS-24 sends due-date and overdue reminders on WhatsApp and Telegram only to contacts who have consented to be contacted, pulling the amount and due date from your billing system over MCP. It is polite and factual, never threatening, answers questions about the invoice, offers your payment link or a plan, and stops on request or dispute — handing those to a human. It discloses that it is an AI and logs every contact. This is consent-first reminders, not aggressive collections.
What it can (and can’t) do
An honest capability list — no autonomy theatre:
- Auto-reply on Telegram and WhatsApp in your persona’s tone of voice, around the clock.
- Real-time AI voice calls — Telegram voice today, PSTN through your own Twilio number.
- Answers grounded in your knowledge base and uploaded documents (PDF, DOCX, TXT, MD).
- Calls your own tools mid-conversation — CRM, calendar, order lookup — over MCP and function calling.
- Discloses that it is an AI and hands off to a human on request, in line with the EU AI Act.
- Keeps chat and voice-note history per conversation, encrypted at rest; you bring your own LLM key.
CRM & tools (MCP / function calling)
Connect your CRM, calendar or order system once and the agent uses it live. SMS-24 speaks the Model Context Protocol (MCP), so any tool you already expose as an MCP server becomes a function the agent can call mid-conversation — look up an order, check availability, create a ticket — and read the result back to the customer in their language. No bespoke glue code per integration.
Pricing
Plans start at €29/month. You bring your own LLM key (OpenAI, Anthropic or Gemini), so you pay your provider directly with no markup from us. Voice minutes and messenger accounts scale with the tier.
Start free See the Telegram AI agent
FAQ
Is this compliant and consent-first?
By design. It only contacts people who opted in, stays factual and non-threatening, honours opt-out and dispute immediately, and logs every message — aligned with GDPR and consumer-protection norms. It is not aggressive debt collection.
Can it actually take the payment?
It sends your payment link or proposes a plan and answers questions; the payment itself happens in your existing checkout. It can mark the reminder resolved via your billing system.
What if the person disputes the debt?
It stops the reminder flow immediately and hands the case to a human with the full conversation — it never argues a disputed amount.