The most efficient collections channel
A collections call costs agent time and often goes unanswered. An SMS reaches any phone, is read within minutes and lets customers pay or reply when it suits them. That is why it has become the first touchpoint in the collections strategies of lenders, insurers, utilities and retailers selling on credit.
Strategy by stage
| Stage | Goal | Sample message |
|---|---|---|
| Preventive (before due date) | Avoid arrears | MyBrand: Your $1,250.00 payment is due on 10/15. Pay in the app or in store with your reference. |
| Due date | Make payment easy | MyBrand: Your $1,250.00 payment is due today. If you already paid, please ignore this message. |
| Early (1–30 days) | Settle quickly | MyBrand: Your account has an overdue balance of $1,250.00. Reply 1 for payment options. |
| Late | Negotiate | MyBrand: We have an offer to settle your account. Call 55 0000 0000, 9 am–6 pm. |
Payment promises by reply
With two-way SMS, customers reply with an option —pay today, ask for an extension, request a call— and the answer reaches your system so the flow continues without manual work.
Responsible collections
- Always identify the creditor and offer an official contact channel.
- Send at reasonable hours and at a frequency that does not feel like harassment.
- Never disclose debt information to third parties or use intimidating language.
- Respect applicable collections regulation and every opt-out request.
Integration is done through the SMS API from your portfolio system or from the web platform with list uploads. See how to reduce delinquency with SMS. To try it, we offer a 30-day pilot.
