WhatsApp Debt Collection Bot
Automated debt collection and accounts receivable recovery via WhatsApp
Reduce Days Sales Outstanding (DSO) and recover overdue invoices without friction. Automate pre-due reminders, manage early and late delinquent accounts, negotiate installment agreements with AI, and collect instantly via dynamic payment links reconciled into your ERP.
Illustrative demo
An example of what we can build
Illustrative demo with sample data: it is not a ready-made product. We build each system to fit your operation, and the modules, rules and integrations are defined in the discovery phase.
Automatizá procesos reales sin riesgo de que te bloqueen la línea
Los bots no oficiales (código QR / WhatsApp Web) incumplen los términos de WhatsApp y el número puede quedar bloqueado. Con la API oficial de Meta tu empresa opera dentro de sus políticas, puede solicitar la verificación de la cuenta y conectar el chat con sus bases de datos o su ERP.
El cliente no tiene que escribir: toca un botón y avanza en el circuito de compra o pago.
Cada pedido o turno impacta en tiempo real en SAP, Tango, Odoo o Google Calendar.
Conectado a la Cloud API que aloja Meta, con plantillas aprobadas y opt-in de tus clientes.
Benefits
Why Deepyze for your WhatsApp Debt Collection Bot?
We work with industry best practices to guarantee real results.
Preventative reminders and friendly notices
Proactive notifications sent 72h and 24h prior to invoice maturity with attached PDF invoices and single-tap payment buttons, drastically cutting accidental delinquencies.
Dynamic payment links and real-time gateways
Generates custom checkout links and instant bank transfer codes with exact balance due and automatic late-fee calculations, compatible with credit cards and debit rails.
AI-assisted installment negotiation & promises
When debtors cannot settle the full amount, the bot structures approved repayment plans, waivers for lump-sum settlements, and logs enforceable payment promises.
Immediate automatic ERP reconciliation
The moment funds are captured, webhooks update your accounting ERP (SAP, NetSuite, Odoo), closing open balances and issuing receipts with zero manual effort.
Arrears aging segmentation & adaptive tone
Distinct workflows based on delinquency stage: preventative, early arrears (1-30 days), mid-tier (31-60 days), and pre-legal stages with progressive escalation.
Seamless credit agent and legal handoff
When billing disputes, tax withholding claims, or repeated objections occur, the bot transfers the account to human collectors with full conversation summaries.
Process
How we build your WhatsApp Debt Collection Bot
A clear and transparent method so you always know which stage your project is at.
- 1
ERP & aging ledger connection
We connect your accounting databases to stream open invoices, due dates, outstanding balances, and verified debtor phone numbers.
- 2
Policy & negotiation matrix definition
We configure business rules: late interest rates, authorized discount margins for immediate payoff, maximum installment schedules, and cadences.
- 3
Payment gateway & webhook integration
We set up dynamic checkout generation, QR codes, and idempotency-protected confirmation webhooks.
- 4
HSM compliance & live collection launch
We register approved transactional templates with Meta and deploy the collection bot, monitoring DSO reduction and collection recovery metrics.
Pricing
How much does it cost?
It depends on the scope: we define it together in a free discovery meeting and send you a fixed-price proposal.
FAQ
Frequently asked questions about WhatsApp Debt Collection Bot
Does the bot comply with debt collection legal frameworks?
Yes. The bot adheres strictly to consumer protection laws, data privacy regulations, and Meta commercial messaging guidelines. Messages are scheduled only within legal daytime hours, clearly identify the creditor, and support opt-out mechanisms.
How much does a WhatsApp debt collection bot cost?
It depends on the scope: we define it together in a free discovery meeting and send you a fixed-price proposal.
What happens if a customer pays via direct bank wire outside the bot?
The bot supports receipt upload (PDF or image). Using AI OCR, it verifies the transaction reference number, date, and amount, cross-checking against bank statements before reconciling.
Does the system compute late fees automatically?
Yes. When a debtor requests payment, the calculation engine dynamically updates the total including compound interest or flat penalty fees according to your corporate policies.
Which payment gateways can be integrated?
We integrate with Mercado Pago, Stripe, Transferencias 3.0, dLocal, PayU, Kushki, and direct bank APIs depending on your geographic footprint.
What recovery rate improvement can we expect?
Clients typically see a 25% to 45% reduction in DSO within 60 days, doubling early-stage recovery rates (1-30 days past due) through instant conversational checkout.
Products we built
Our own software, running in production
- Fixed price
- We quote with closed scope and price. You know what it costs from day one, no surprises.
- The code is 100% yours
- When we finish, the repository, the infrastructure and the documentation are entirely in your name.
- Same time zone
- We work South American business hours. Meetings and answers with no time-zone delays.
- Proposal in 24-48 h
- After the first meeting you get a detailed written proposal, with no commitment and no fine print.
Damián Oliva
Founder of Deepyze
You work directly with the person who builds. Years building digital products in LATAM, Google Cloud Machine Learning certified.
Meet the founderReady to start your WhatsApp Debt Collection Bot project?
Tell us your idea and we'll prepare a no-commitment proposal in 24 hours.