CallaroCallaro

“I've set up your payment plan — you're back on track, no late fee.”

Credit & Collections

Faster Recoveries. Lower Cost. Fully Compliant.

Deploy empathetic, tireless AI agents on calls, WhatsApp, chat and email to automate your outbound collections. Capture Promise-to-Pay (PTP), negotiate timelines, and route disputes without scaling human headcount.

Deploy this agentSee the math
+18%Collection Rate
-40%Cost-to-Collect
100%Compliance Adherence

The Operating System for Future-Ready Collections

PTP Capture & Tracking
Intelligently capture promise-to-pay intent, exact amounts, and dates with automated reminders.
Bucket-Wise Strategy
Deploy specific AI personas and aggression levels tailored to Early vs. Mid-bucket delinquencies.
Omnichannel Outreach
Follow up voice calls instantly with secure SMS or WhatsApp payment links while the borrower is on the phone.
Multilingual Support
Engage borrowers accurately in regional languages to build trust and improve response rates.
Live Dispute Escalation
Automatically route complex disputes or hardship claims to specialized human settlement agents.
Audit-Ready Logs
Every interaction is transcribed, recorded, and stored with PII redacted for total regulatory compliance.
Omnichannel Follow-Through
The same agent continues on WhatsApp, SMS, chat and email — sending documents and pay links mid-call, following up on the channel the customer chose, with one memory per customer.

One Platform Across the Collections Lifecycle

Step 1

Pre-Due & Due-Date Reminders

Proactive, polite notifications for upcoming EMIs, confirming auto-debit status or banking changes.

Step 2

Early Bucket (1–30 DPD)

High-volume, immediate outreach to confirm intent, correct minor bounce issues, and capture initial PTP.

Step 3

Mid-Bucket (31–60 DPD)

Firmer borrower re-engagement, compliant timeline negotiation, and aggressive broken PTP follow-ups.

Step 4

Hardship & Retention

Identification of true hardship cases requesting restructuring, routing them safely to specialist human teams.

Collections that respect consent and actually get paid

Callaro runs the whole reminder ladder — SMS, WhatsApp, calls and email — on one customer record, honours opt-outs and quiet hours everywhere, and hears the payment the moment it lands.

One Callaro agent · one memory per customer

Same instructions, knowledge, tools and guardrails on every channel

Phone callIn-app voiceWeb/app chatWhatsAppSMSRCSEmailYour app (API)

Pre-due nudge to paid

An EMI is due in three days.

SMSWhatsAppYour systems

How Callaro gets it done

  1. 1A courteous reminder with a secure pay link goes out by SMS or WhatsApp within allowed hours.
  2. 2Questions on WhatsApp ("Can I pay half now?") are answered from your policy.
  3. 3Your payment gateway confirms; every open conversation knows the account is paid.

Outcome delivered

Payment collected before the due date with zero agent effort.

Pay linksQuiet hoursLive events

Due date: reminder becomes a call

The link is still unpaid on the due date.

WhatsAppPhone callWhatsApp

How Callaro gets it done

  1. 1A reminder call follows, aware of every earlier message.
  2. 2The agent captures a promise-to-pay date or sets up a part payment.
  3. 3A fresh pay link arrives on WhatsApp while the customer is still on the line.

Outcome delivered

Promise-to-pay captured or payment collected, logged against the account.

Send during a callCollected dataFollow-ups

Do-not-call honoured everywhere

A customer says "stop calling me".

Phone callYour systemsYour team

How Callaro gets it done

  1. 1The agent records the do-not-contact request on the call.
  2. 2Scheduled calls and marketing messages to that customer stop across channels.
  3. 3Your team sees the request on the customer's timeline for review.

Outcome delivered

Compliant, auditable collections with a clean consent trail.

Consent & DNCAudit trailTeam inbox
How omnichannel works Explore every channel

Hear the Engine in Action

Listen to live recordings of Callaro navigating real credit & collections scenarios across different industries.

Personal Loan EMI Recovery

Listen
End State Achieved

Sent Secure SMS Payment Link

Tuition Fee Reminders

Listen
End State Achieved

PTP (Promise to Pay) Logged

Why Callaro Outperforms Manual Collections

See how an infinitely scalable and tirelessly compliant AI workforce stacks up against traditional call centers and manual dials.

Aspect
Human-Led Approach
Callaro AI agents
Cost to Collect
High fixed overhead + scaling agency costs
Variable cost purely based on connected minutes
Compliance & Governance
Prone to emotional outbursts or script deviations resulting in legal risk
Mathematically incapable of breaking telemarketing/DNC rules or calling out-of-hours
Scalability
Takes weeks to hire and train new batches for peak cycles
Instantly deploy 10,000 parallel calls at the click of a button
PTP Conversion
Agents get fatigued making 100+ outbound dials daily
Every single call happens with maximum energy and perfect empathy
Channels
Separate teams and tools for phone, WhatsApp, chat and email
One agent on every channel with one memory per customer

Frequently Asked Questions

How secure is borrower data?

Callaro is built for enterprise financial institutions. All data is encrypted at rest and in transit (AES-256). We support automated PII redaction from transcripts and never train core models on your customer data.

Can Callaro actually process payments?

Callaro does not collect credit card numbers verbally due to PCI bounds. Instead, it confirms the intent to pay and instantly dispatches a secure, trackable SMS or WhatsApp payment link directly to the borrower's device.

Does it understand regional dialects?

Yes. Our speech-to-text engines are uniquely optimized for mixed regional accents and dialects, seamlessly handling code-switching between languages without failing to transcribe intent.

Can the same Callaro agent handle credit & collections on WhatsApp, chat, SMS and email as well as calls?

Yes. One Callaro agent serves every channel — phone, in-app voice, website and app chat, WhatsApp, SMS, RCS and email — with one memory per customer. A call can send documents or a pay link on WhatsApp mid-conversation, a chat can turn into a call that already knows the context, and follow-ups go out on the channel and at the time the customer chose. Every outcome lands in your CRM.

Industries Running Automated Collections

Financial Services

Banks recovering personal loan and credit card EMI.

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Healthcare

Hospitals recovering post-procedure medical bills.

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Ready to scale your credit & collections team?

Connect with our solutions team to map your customer journeys across voice and messaging — and see exactly how one Callaro agent delivers the outcome.

Book your technical teardown