Collections · Recovery · Reconciliation · India

AI Payment Recovery & Collections Automation

Voice bot that calls borrowers in Hindi/English. AI agent that follows up unpaid invoices on WhatsApp. Automated reconciliation that matches every bank credit to an invoice. One platform — built for NBFCs, D2C brands, and enterprise finance teams. Fixed price. No per-call fees.

What XPndAI builds for payment recovery

Three AI systems that work together: (1) a voice bot that makes outbound recovery calls in Hindi/English/regional languages — 500 to 5,000 calls per day — identifying itself as automated, staying RBI-compliant, sending payment links mid-call; (2) an AI AR agent that follows up unpaid B2B invoices via email and WhatsApp with escalating reminders, dispute handling, and ERP sync; (3) an automated reconciliation engine that matches every incoming bank credit to an open invoice or EMI schedule in real time. One-time fixed price, full source code ownership, no per-call or per-message fees.

5,000Recovery calls/day capacity
30–50%DSO reduction, AR agent
8 langsHindi, English + 6 regional
₹0Per-call / per-message fee
RBIFair Practices compliant

Core modules

Four AI systems — one collections stack

Each module works standalone or as an integrated platform. You choose what you need.

📞
Voice bot — loan & EMI recovery
Automated outbound calling for overdue EMIs, loan repayments, and post-dated cheque reminders. Speaks Hindi, English, Hinglish, Marathi, Tamil, Telugu, Bengali, Bhojpuri. Sends payment link via SMS mid-call. Logs outcome to LOS.
Capacity: 500–5,000 calls/day on Exotel/Twilio Languages: Hindi, Marathi, Tamil, Telugu, Bengali Compliance: RBI Fair Practices Code built in Outcome: 15–25% payment conversion on first call
📧
AI accounts receivable (AR) agent
Automated B2B invoice follow-up via email, WhatsApp, and outbound calls. Tracks invoice aging (7/14/30/60 DPD), escalates automatically, handles dispute replies, sends payment links, updates ERP on receipt.
Channels: Email + WhatsApp + voice call escalation ERP sync: Tally, SAP B1, Zoho, custom ERP Reduces: DSO by 30–50% within 90 days
🔁
Automated payment reconciliation
Real-time matching of bank credits (NEFT/IMPS/UPI/gateway settlements) against open invoices or EMI schedules. Fuzzy matching handles partial payments and reference number mismatches. Exception dashboard for unmatched credits.
Sources: Bank statement + Razorpay/PayU/Cashfree Volume: 500–50,000 transactions/month Accuracy: 97%+ auto-match rate
📱
D2C failed payment recovery
Automated recovery for failed COD, payment gateway failures, and cart abandonment. WhatsApp + SMS sequence immediately after failure, COD-to-prepaid conversion calls, customer winback campaigns for lapsed buyers.
Integrates: Shopify, WooCommerce, Razorpay Recovers: 15–30% of failed payments within 24 hrs Reduces: RTO rate on COD orders by 20–35%

By segment

Recovery automation built for your business type

🏦 NBFC & MFI
Borrower misses EMI → voice bot calls in Hindi/Bhojpuri → confirms amount due → sends payment link via SMS → borrower pays or gives PTP date → logs to LOS → escalates to human agent on day 15
↑ 15–25% recovery rate on day-0 DPD calls
🏢 Enterprise B2B Finance
Invoice generated → AI AR agent sends reminder on due date → follows up at 7/14/30 DPD via email + WhatsApp → dispute? → logs and assigns to finance team → payment received → auto-reconciles in ERP
↓ 40% reduction in DSO within 3 months
🛒 D2C & E-commerce
Payment fails → WhatsApp sent in 5 min with payment link → retry SMS at 1hr, 4hr, 24hr → COD order placed → AI calls customer to confirm + offers prepaid discount → RTO reduced
↑ 20–30% failed payment recovery within 24 hrs
💼 CA Firms & Accountants
Client bank statements uploaded → AI reconciles against client invoices → unmatched credits flagged → exception report exported to Tally → follow-up emails auto-sent to clients with outstanding invoices
↓ 90% reduction in manual reconciliation time
🏗 Real Estate Developer
Buyer misses installment → AI calls in preferred language → confirms overdue amount → offers flexi-payment plan via link → records response in CRM → escalates to relationship manager if unresponsive
↑ 35% faster collection on stalled installments
🎯 iGaming & Fintech
Withdrawal/payout requested → AI matches against deposit reconciliation → flags unmatched → AML pattern check → auto-approves clean transactions → exception queue for review → audit log generated
↓ 70% manual review workload on standard payouts

The process

How the voice recovery bot works — step by step

1
Overdue list pushed
Your LOS or CRM pushes the daily overdue list via API — borrower name, mobile, language, amount, DPD bucket.
2
Outbound call placed
Exotel/Twilio dials the borrower. AI voice speaks in their language — confirms identity, states the EMI due.
3
Payment link SMS
During the call, an SMS with a Razorpay/PayU payment link is sent to the borrower's mobile.
4
Borrower responds
"Will pay today" → PTP date logged. "Already paid" → reconciliation check triggered. Dispute → human transfer.
5
Outcome logged
Call result, PTP date, and recording pushed to LOS in real time. No human data entry.
6
Payment received
Bank credit matched to borrower account via reconciliation engine. Loan ledger updated. Recovery report generated.

RBI Fair Practices Code compliance — built in

  • Bot identifies itself as an automated system at the start of every call
  • Calls made only between 8:00 AM and 7:00 PM (configurable per state)
  • Immediate human transfer if borrower requests it
  • No threatening language — call script reviewed against RBI guidelines
  • All calls recorded and logged for audit purposes
  • Borrower contact frequency capped per RBI norms (max 3 calls/day)
  • Opt-out mechanism: borrower can say "remove me" to halt further calls
  • MFI clients: MFIN Code of Conduct compliance included

Pricing

Fixed-price recovery automation packages

One-time development. Full source code. No per-call, per-message, or per-recovery fees.

Starter
Voice Recovery Bot
₹4–7 lakh
One-time · 6–8 weeks
  • Outbound voice bot (Hindi + English)
  • Exotel / Twilio integration
  • SMS payment link dispatch
  • LOS/CRM outcome sync
  • Call recording + audit log
  • RBI compliance built in
Most popular
Collections Suite
₹10–16 lakh
One-time · 10–12 weeks
  • Voice bot + AR email/WhatsApp agent
  • All Indian regional languages
  • Automated payment reconciliation
  • ERP integration (Tally/SAP/Zoho)
  • Collections dashboard + analytics
  • Exception management queue
  • Full source code ownership
Enterprise
Full Recovery Platform
₹18–28 lakh
One-time · 14–18 weeks
  • All modules: voice + AR + recon + field app
  • Field agent mobile app (Android)
  • Predictive defaulter scoring (ML model)
  • Multi-branch, multi-product NBFC
  • AML pattern detection for fintech/iGaming
  • 99.9% uptime SLA
  • Dedicated cloud infrastructure

FAQ

Common questions

  • How does an AI voice bot for loan recovery work?
    The voice bot makes automated outbound calls to borrowers with overdue EMIs. It speaks in Hindi, English, or the borrower's regional language, confirms the outstanding amount, offers a payment link via SMS during the call, records the borrower's commitment date (PTP), and logs the outcome to your LOS or CRM — without a human collections agent. XPndAI's recovery bot integrates with Exotel, Twilio, or Knowlarity and processes 500–5,000 calls per day. Borrowers who dispute are connected to a human agent immediately.
  • Is AI-powered debt collection legal in India?
    Yes, with proper implementation. RBI's Fair Practices Code permits automated reminder calls as long as: the system identifies itself as automated, calls are made only between 8 AM and 7 PM, borrowers can request a human transfer, and no threatening language is used. XPndAI builds all these compliance guardrails into the recovery bot by default. For MFI clients, MFIN Code of Conduct compliance is also included. All calls are recorded and stored for regulatory audit purposes.
  • What is an AI accounts receivable agent?
    An AI AR agent automatically follows up on unpaid B2B invoices via email, WhatsApp, and outbound calls — without manual intervention. It tracks invoice aging, sends escalating reminders at configured intervals (7, 14, 30, 60 DPD), handles customer queries about disputed invoices, sends Razorpay/PayU payment links, and updates your ERP when payment is received. XPndAI's AR agents integrate with Tally, SAP B1, Zoho Books, and custom ERP, reducing DSO by 30–50%.
  • Can the recovery bot speak in Hindi and regional languages?
    Yes. XPndAI's collections voice bot supports Hindi, English, Hinglish, Marathi, Tamil, Telugu, Bengali, and Bhojpuri. Language is auto-detected from the borrower's response — if they answer in Hindi, the bot continues in Hindi. Regional language support significantly improves engagement rates for rural NBFC and MFI collections in UP, Bihar, Maharashtra, and Tamil Nadu.
  • How does the system recover failed D2C payments?
    For D2C brands, the AI payment recovery works in three flows: (1) failed payment — WhatsApp + SMS with payment link sent within 5 minutes of failure, with follow-ups at 1hr, 4hr, and 24hr, recovering 15–30% of failed transactions; (2) COD-to-prepaid conversion — AI calls COD customers before dispatch to convert to prepaid, reducing RTO; (3) customer winback — identifies lapsed customers with pending wallet balance or partial orders and sends personalised recovery sequences. Integrates with Shopify, WooCommerce, Razorpay, and custom OMS.
  • What does AI payment recovery automation cost in India?
    XPndAI builds AI payment recovery systems at fixed prices: a voice bot for loan recovery starts from ₹4 lakh, an AI AR email + WhatsApp agent starts from ₹3 lakh, and the full collections automation suite (voice + WhatsApp + reconciliation) costs ₹10–16 lakh. All projects deliver full source code with no per-call or per-message fees. At 1,000 recovery calls/day, the break-even versus per-call SaaS alternatives is typically 4–6 months.

Competitor comparison

XPndAI vs other AI collections platforms in India

AI collections automation in India has several strong options. Here's how XPndAI compares to the platforms Indian NBFCs and fintechs typically evaluate.

Platform Model Best for Hindi/regional Source code
XPndAIOne-time fixed ₹4–28LCustom AI, NBFC, D2C, enterprise✓ 8 languages incl. Bhojpuri✓ Full source code
SquadStackSaaS subscription + per-callHigh-volume outbound (managed)✓ Hindi, English, regional✗ No code access
Vistara AISaaS — per-minute feesNBFC loan reminder voicebot✓ Hindi + regional✗ No code access
RevRag AISaaS subscriptionDebt recovery AI calling✓ Hindi, English✗ No code access
Ravan.aiSaaS — BFSI/NBFC focusNBFC voice AI collections✓ Indic languages✗ No code access
EdesySaaS — recovery use caseHindi debt collection voicebot✓ Hindi focus✗ No code access
HighRadiusEnterprise SaaS — per-seatGlobal enterprise AR automationPartial✗ No code access
✓ Choose XPndAI if you want to:
  • → Own the source code — no vendor lock-in
  • → Avoid per-call / per-minute SaaS fees at scale
  • → Support Bhojpuri, Marathi, Tamil for rural NBFC
  • → Build custom business logic (your LOS, your ERP)
  • → Keep data on AWS Mumbai for SEBI/RBI compliance
✓ Choose SquadStack / Vistara / Ravan.ai if you want to:
  • → Deploy in days — not weeks
  • → Pay per usage (good for low volume)
  • → No engineering team available
  • → Off-the-shelf scripts, no customisation
  • → Trial before committing to a build

About XPndAI

XPndAI is an India-based AI development company specialising in custom voice AI, payment automation, and document processing for NBFCs, D2C brands, and enterprise finance teams. Unlike SaaS platforms such as SquadStack, Vistara AI, Ravan.ai, or HighRadius, XPndAI builds bespoke AI systems at a fixed price and delivers full source code ownership — no per-call fees, no vendor lock-in, and full data residency on AWS Mumbai. XPndAI serves clients across India, UAE, and USA, with typical project sizes of ₹4 lakh to ₹40 lakh. Contact: xpndai.com

Start recovering more — get a free demo

See the recovery voice bot call a test number in Hindi. Fixed price, source code yours, RBI-compliant out of the box.

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