Recover dues without damaging the relationship.
Anantix handles routine payment conversations across supported channels while keeping disputes, exceptions and sensitive situations with your team.
Pre-due reminder
Voice call · Suresh Patil · Loan 88-2041
Collections agent · 10:30
Namaste Suresh ji. Aapki ₹6,450 ki EMI 3 October ko due hai. Kya main kisi cheez mein madad kar sakti hoon?
Suresh Patil · 10:31
Salary 5 tareekh ko aati hai. 5 ko pay kar dunga.
- loans.get_accountEMI ₹6,450 due 3 Oct, no overdue
- ptp.recordPromise to pay: 5 Oct
- whatsapp.sendPayment link sent for later
Collections agent · 10:31
Thank you. I’ve noted the 5th and sent you the payment link on WhatsApp so it’s ready when you need it.
Next contact only if the payment hasn’t arrived by 6 Oct.
Reminder calls fill the day, and disputes get the same script.
Most collections calls are routine: the amount, the date, a payment link, a promise to pay. Done by hand, they happen unevenly, and some customers are called too often while others aren’t called at all.
Meanwhile a customer who disputes the amount can still get the standard reminder the next morning.
Anantix runs the routine conversations and hands the rest to a person.
The agent handles
- Reminders before and after the due date
- The amount due and charges, from your records
- A payment link inside the conversation
- Promises to pay, and a follow-up if payment doesn’t arrive
Your team handles
- Disputed amounts
- Hardship and payment-plan requests
- Customers who are upset or ask for a person
- Anything outside the rules you set
Reminder call · customer replies
Ye amount galat hai, maine pichhle mahine hi pay kar diya tha.
Marked as a dispute and handed to your collections team with the call summary and payment history.
Routine workflows run on schedule. Disputes stop the flow.
Before the due date
Pre-due reminders
- 1Contact the customer before the due date
- 2Provide the amount and date
- 3Answer routine questions
“Auto-debit hoga ya khud pay karna hai?”
Answered from the loan record: auto-debit on 3 Oct.
After a missed payment
Overdue follow-up
- 1Contact across supported channels
- 2Retrieve account information
- 3Provide the next step
“Late charges kitne lage hain?”
Charges explained from the account, payment link offered.
In the conversation
Payment completion
- 1Share a supported payment option or link
- 2Check the result
- 3Update the workflow
“Link bhej do, abhi kar deta hoon.”
Payment confirmed and the account updated.
In the conversation
Promise-to-pay
- 1Capture the customer’s commitment
- 2Record the expected payment date
- 3Make it available to the collections team
“5 tareekh ko pay kar dunga.”
Promise recorded for 5 Oct, visible to the team.
At any point
Disputes
When the agent detects a disagreement or an exception, it stops treating the account as a reminder. The standard flow pauses and a person takes over.
- 1Detect disagreement or an exception
- 2Stop the standard flow
- 3Route to the appropriate employee
- 4Include the full context
Customer · overdue follow-up call
Ye late charge kis baat ka hai? Maine to time pe auto-debit set kiya tha.
Dispute · routed to Priya N., collections team
- Standard reminders paused for this account
- Call summary and the customer’s exact words
- Payment history and the auto-debit attempts
- Every earlier reminder and conversation
See why payments are late, not only which ones.
Reasons for delayed payment
From what customers said on calls and messages
Salary credited after the due date
Not enough balance for auto-debit
Business cash flow delayed
Disputes the amount
Medical or family emergency
Recurring objections
Repeated: raised again by the same customers
Late charges seem too highRising
Repeated
Says the EMI is already paidSteady
Repeated
Wants a later payment dateRising
Asks to be called after 6 pmNew
Customer sentiment
By collection stage
Pre-due remindersMostly positive
1–30 days overdueMixed
30+ days overdueFrustrated
- Positive
- Neutral
- Negative
Unresolved cases
Waiting on a person
Charges disputed
Collections teamOldest 3 days
Restructuring request
Credit teamAwaiting approval
Payment not reflecting
AccountsOldest 1 day
Campaign outcomes
October pre-due reminders · what happened next
- Paid in the conversationAccount updatedAgent
- Promise to pay recordedFollow-up only if the date is missedAgent
- No answerRetried by emailAgent
- Asked for a callbackCallback added to the team’s queueYour team
- Dispute raisedReminders paused, case routedYour team
What changes on the collections floor.
Every account gets the reminders your policy sets
On time, before and after the due date, in the customer’s language.
Your collectors work the accounts that need a person
Reminders, balance questions, payment links and promises to pay no longer fill their day.
Each account shows why the customer is late
What the customer said, what they promised and when, next to the payment history.
Disputes and hardship stay with a person
The standard flow stops, and your team takes over with the full history.
What this runs on.
- Voice
Reminder and follow-up calls in Hindi, English, regional languages and the mix customers speak.
- Campaigns
Schedule pre-due and overdue reminders to a list of accounts on Voice and Email.
- Actions & Workflows
Read the amount due, share a payment link, check the result and record promises to pay.
- Insights
Reasons for delay, recurring objections and unresolved cases across every conversation.
Bring us one reminder cycle, disputes included.
See how Anantix can connect your conversations, agents, teams and business systems into one customer operation.
Book a DemoWhat the demo covers
Your workflow, mapped
The channels it runs on, the systems it touches and where your team steps in.
An agent working through it
Handling the conversation in the languages your customers use, and taking the actions it needs.
What it takes to run
Integrations, deployment and the controls your IT and security teams will ask about.