# Payment & EMI reminders: AI voice agent · Vaakyo

> Polite reminders before and after the due date, with promises to pay recorded. In Hindi, English and other Indian languages, with Vaakyo.

Source: https://vaakyo.com/use-cases/payment-reminder

Use case

# **Payment & EMI reminders**

Polite, consistent reminders before and after the due date, in the borrower's language. The agent follows your collection script and calling hours, and records every promise to pay.

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Listen

## Hear it **on a real call**

Meena gently reminds a borrower about an overdue two-wheeler loan EMI and sends a payment link. In Tamil.

EMI payment reminder · Tamil

Meena gently reminds a borrower about an overdue two-wheeler loan EMI and sends a payment link.

Customer promised to pay ₹4,200 by Friday

1.   Meena வணக்கம், நான் காவேரி ஃபைனான்ஸிலிருந்து மீனா பேசுகிறேன். செந்தில் அவர்களிடம் பேசலாமா? 
2.   Borrower ஆமாம், சொல்லுங்க. 
3.   Meena உங்கள் டூ வீலர் லோனின் இந்த மாத EMI ₹4,200, ஐந்தாம் தேதி கட்ட வேண்டியிருந்தது. அது இன்னும் வரவில்லை என்பதை நினைவூட்டவே அழைத்தேன். 
4.   Borrower ஆமாம், மன்னிக்கவும். இந்த மாதம் சம்பளம் கொஞ்சம் தாமதமாகிவிட்டது. 
5.   Meena புரிகிறது, பரவாயில்லை. எப்போது செலுத்த முடியும் என்று சொல்ல முடியுமா? 
6.   Borrower வெள்ளிக்கிழமைக்குள் கண்டிப்பாகக் கட்டிவிடுவேன். 
7.   Meena நன்றி. வெள்ளிக்கிழமைக்குள் செலுத்தினால் தாமதக் கட்டணம் எதுவும் இருக்காது. UPI அல்லது எங்கள் ஆப் மூலம் செலுத்தலாம். 
8.   Borrower சரி, பேமெண்ட் லிங்க் அனுப்ப முடியுமா? 
9.   Meena கண்டிப்பாக. உங்கள் பதிவு செய்த மொபைல் எண்ணுக்கு SMS-ல் லிங்க் அனுப்புகிறேன். 
10.   Borrower சரி, நன்றி. 
11.   Meena நன்றி செந்தில் அவர்களே. இனிய நாள் ஆகட்டும்! 

 0:00 / 0:46 

What it does

## The agent, **on this job**

“Your EMI of ₹6,200 is due on the 5th. Will you be able to pay by then?”

-   Follows your collection script and calling hours
-   Records the promise date and amount
-   Escalates disputes to a person

How it works

## Live **in three steps**

1.  01
    
    ### Upload who is due
    
    The amount and the due date for each customer, as a campaign from a file or through the API.
    
2.  02
    
    ### Reminders that follow the rules
    
    Calls go out only inside your calling hours, and every call is checked afterwards against the platform's rules.
    
3.  03
    
    ### Promises as data
    
    The promise date and amount come back as fields; disputes and hardship are handed to a person.
    

## Used in

-   [Banking, NBFC & insurance](https://vaakyo.com/industries/finance)
-   [Education](https://vaakyo.com/industries/education)

## Read **more**

-   [Payment and EMI reminder calls that customers don't resent Reminder calls work when they are polite, timely and useful. How to set up reminders before and after the due date, record promises to pay and stay within fair-practice rules. Read the guide](https://vaakyo.com/blog/payment-reminder-calls)
-   [TRAI, DND and consent: the rules for automated calls in India Before you run an outbound campaign, know which calls need consent, how DND works, what calling hours to keep and how to handle opt-outs. Read the guide](https://vaakyo.com/blog/trai-dnd-consent-rules)
-   [Handing calls to a human: transfers done right A good voice agent knows its limits. When and how to transfer a call to your team, with a summary so nobody repeats themselves. Read the guide](https://vaakyo.com/blog/transfer-calls-to-a-human)

FAQ

## Questions **about this**

###  Can the agent take the payment on the call? 

No card or UPI details are collected on the call. Through a tool it calls mid-call, the agent can ask your system to send the customer a payment link.

###  Will it be rude or threatening? 

No. You write the script, and the platform's rules are added to every agent's instructions. Each call is checked against them afterwards, and an agent that breaks them repeatedly is frozen.

###  When does it call? 

Only inside the calling hours you set for the agent. The platform also checks every call against TRAI's 9:00 to 21:00 IST window.

## Get started **today**

### Talk to an expert

Tell us about your calls. We'll help you plan the agent, the numbers and the rollout for your team.

[Contact sales](https://vaakyo.com/contact#sales)

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