Higher contact consistency
AI schedules retries, detects voicemail and maintains a steady cadence without operational fatigue.
Paycollect: AI debt collection that talks, proposes agreements and activates payment
Automate the management of rent arrears and debt portfolios with a voice agent that can understand objections, propose agreements within defined limits, send payment links and activate voice-payment flows with traceability.
Paycollect live desk
Call status
Negotiating payment
Active rules
Portfolio A
Total debtEUR 2,450
Send payment linkStart voice payment
Handoff
to human review
Traditional debt collection no longer scales
When the number of cases grows, the contact centre becomes saturated: too many manual attempts, inconsistent criteria, high costs and little visibility into what happens in each conversation.
High cost per case
Automate high-volume calls and reserve the human team for complex or higher-value cases.
Reputational and regulatory risk
Conversations can be controlled through scripts, negotiation limits, traceability, supervision and consistent criteria.
A debt-collection operation connected from start to finish
Paycollect connects the portfolio, contact strategy, conversation, payment agreement and follow-up in a single flow. It can coexist with your systems and return structured statuses and actions for review or execution.
Portfolio upload or integration
Import cases through spreadsheets, API or integration with your ERP or CRM. The system normalises debt, contacts, due dates and rules by segment.
Conversational AI calls
The virtual agent makes contact, validates identity according to the flow, understands the situation, proposes authorised options and records each outcome.
Commitment, payment and follow-up
Record commitments, send links by SMS, WhatsApp or email, and activate the configured payment provider when the case allows it.
It does more than call: it recovers cash
Payment commitment
The agent proposes options within authorised rules, records the agreed date and schedules reminders.
Payment link
During the conversation, it can send a link generated by the configured payment provider.
Voice payment
It can activate voice-assisted payments when the provider, flow design and case allow it.
Two specialised engines for different portfolios
The conversation, rules and relevant data change with the nature of the debt. Paycollect separates these contexts to apply the appropriate treatment.
Management for PropTech, servicers and institutional landlords
Manage rent, utilities, service charges and other outstanding items in a conciliatory tone focused on reaching an agreement before escalating the case.
- ✓Breakdown by debt item and due date
- ✓Payment-plan proposals within authorised limits
- ✓Automatic delivery of documentation and outstanding receipts
Active case
AIOverdue rentEUR 850
UtilitiesEUR 120
Total outstandingEUR 970
Listen to a sample debt-collection conversation
The demo illustrates a conversational experience that recognises objections, adapts the next step and seeks a viable agreement within the defined rules. The audio is in Spanish; an English transcript is shown alongside it.
Fictional Spanish-language example: rent overdue by 30+ days
AI
Hello Carlos, I'm David, Suncapital's virtual assistant. I'm calling about April's rent payment. Do you have a moment?
U
Yes, go ahead, but I can't make the payment right now.
AI
I understand. The workflow allows me to propose scheduling the payment for Friday the 5th. Would you like me to record that commitment?
U
Yes, my salary comes in on Friday.
AI
Perfect. I'll record the commitment for Friday the 5th and send you confirmation by SMS now.
Integrates with your current ecosystem
Paycollect can work with your data without forcing you to change software.
SalesforceSAPPrinexExcel / CSVREST API
Cadence
Configurable retries and reminders
Control
Limits and rules defined by portfolio
Handoff
Escalation to the human team when appropriate
History
Record of conversations, agreements and actions
Test Paycollect with a real portfolio
Tell us what type of debt you manage and we will prepare a demonstration based on your rules, volume and current systems.
Powered by Suncapital
Paycollect draws on Suncapital's experience managing high-volume operations, assets, rentals and financial processes where traceability matters.
Within Suncapital Software
View the full section Paycollect is a specific solution within our four software areas
Conversational debt collection combines AI agents, messaging, business rules, payments and integration with the existing portfolio.
AI, messaging and integrations
Return to the area covering Paycollect, Messaging Gateway and Signing Gateway.
ExploreCRM and sales automation
Connect conversations, scoring and handoff with the funnel and customer record.
ExploreCustom software and platforms
Integrate portfolio and case management with a custom operational platform.
ExploreFrequently asked questions about Paycollect
Can AI be used in a debt-collection process?+−
It may be suitable, but the fit depends on the case, channel, legal basis, information processed and applicable rules. Before implementation, the scope should define limits, assistant identification, human supervision, traceability and legal validation.
Does it replace my debt-collection team?+−
Not necessarily. It automates repetitive volume and early contact stages while your team concentrates on complex negotiations, incidents and cases requiring human judgement.
Can it integrate with our ERP or CRM?+−
Yes. The solution can receive portfolios through file upload or API integration and return statuses, commitments, payments and completed actions.
Is the demo audio a real call?+−
No. It is a fictional sample designed to explain the intended conversational experience: empathetic, controlled and focused on reaching an agreement.
What happens if someone does not want to speak with AI?+−
The flow can be configured to transfer the call, flag the case for human review or switch channel according to the rules agreed with the client.