Works out the day’s action
Every morning, a proprietary engine checks each debt against its escalation rules. If a debt enters the system late, it immediately triggers everything already overdue.
PayUp,
AI-powered automated collections.
Collection actions happen every day, without anyone having to remember: WhatsApp, calls with an AI voice agent, and evidence of every action.
Every morning, PayUp works out what each debt needs (a reminder, a past-due notice, a call with an AI agent, or escalation), triggers it through the right channel, and records evidence of every action.
- Escalation rules editable by client or portfolio type, without touching code
- WhatsApp Business with approved templates and calls with an AI voice agent
- Traceable evidence: delivery status, recording, transcript, and outcome
- Connects to any ERP through an ingestion API
01Works out the day’s action for each debt
02Triggers WhatsApp or an AI call depending on the stage
03Stores evidence of every action in the dashboard
Three things, solved end to end.
Triggers through the right channel
WhatsApp Business for reminders and notices; an AI voice agent for critical stages, with each debtor’s details in every message and every call.
Leaves evidence of everything
Every action keeps its history: delivered, read, or, for calls, recording, transcript, and outcome. It never sends a duplicate for the same debt and stage.
Key features
Escalation engine
Days, channels, and templates configurable by client or portfolio type.
WhatsApp and AI voice agent
WhatsApp reminders and AI calls at critical stages.
Evidence of every action
Delivery status, recording, transcript, and outcome of every contact.
Connects to your ERP
Receives debts from any ERP through an ingestion API.
A configurable engine, not a flat model.
Each stage is a rule: day relative to the due date, channel, and template. This is an example for a loan portfolio; you can add a stage, move a day, or switch channels.
- -3Advance reminderWhatsApp
- +1Past-due noticeWhatsApp
- +7Day 7 callAI voice agent
- +15WhatsApp and callWhatsApp · AI voice agent
- +30Day 30 callAI voice agent
- +60WhatsApp and callWhatsApp · AI voice agent
- +85Final warningWhatsApp
- +90Write-offAutomatic
Secure and easy to integrate.
Controlled access
Session-based login with encrypted passwords. The agents’ dashboard and the integrations channel never share credentials.
Any ERP
Your ERP sends it debts through a minimal ingestion API. If you switch ERPs, the engine, dashboard, and evidence stay the same.
Results come back on their own
Every delivery status and call outcome flows back to the dashboard automatically, with no need to check WhatsApp or the voice platform separately.
Collections that never forget.
9editable escalation stages
2channels: WhatsApp and AI call
100%actions with traceable evidence