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Lending, collections and insurance

EMI reminder calls and collections, in every customer's language

Reminder and collection calls are high volume and repetitive. A Lipivo agent calls each customer in their language with their own amount and due date, records promises to pay, sends a payment link on WhatsApp and escalates disputes to your team, within TRAI calling hours.

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Free credits to start. No card required.

What the agent does

  • Calls a list you upload, with each person's name, amount and due date in what it says.

  • Records a promise to pay and its date, and writes it back to your system.

  • Sends a payment link on WhatsApp during the call.

  • Follows up over days: call, WhatsApp if no answer, call again before the due date.

  • Handles renewal reminders for insurance and subscriptions the same way.

  • Transfers the call to your team when the customer disputes the amount or asks for a person.

Calls that follow the rules

  • Outgoing calls only between 9 am and 9 pm India time.

  • Numbers on the DND register and your do-not-call list are skipped.

  • The agent stays polite: guardrails block words and topics you choose.

  • Agents never ask for OTPs, PINs or CVVs: replies are checked against known scam scripts.

An EMI reminder in Tamil

Example
Agent

வணக்கம் செல்வி அவர்களே, உங்கள் ₹6,200 EMI வரும் 5ஆம் தேதி செலுத்த வேண்டும்.

Customer

சரி, திங்கள்கிழமை கட்டிவிடுவேன்.

Agent

நன்றி. திங்கள்கிழமை என்று பதிவு செய்துள்ளேன். பணம் செலுத்தும் லிங்கை WhatsApp-இல் அனுப்பவா?

An example, not a real customer.

Questions and answers

Yes. Columns in the list you upload, like amount and due_date, go into what the agent says.

Outgoing calls are placed only between 9 am and 9 pm India time, and numbers on the DND register and your do-not-call list are skipped. You confirm the people agreed to hear from you before a batch starts.

Yes. During the call it can send a WhatsApp message with your payment link.

Yes. The outcome of each call is in Conversations, and the agent can write it to your system through a webhook.

You pay in credits (1,000 credits = ₹1) for the agent's replies on our AI models and for the speech it speaks and hears. For example, a 3-minute call with 10 replies on GPT-4.1 nano costs about ₹10. On your own OpenAI, Claude or Gemini key, you pay only for the speech. Phone minutes are billed by your own phone provider. Every account starts with free credits and no card. See pricing.

Set it up

Outbound calls to a list →

Have an agent call a list of people for reminders, renewals or follow-ups.

Workflows: follow-ups over days and channels →

Call, WhatsApp, email, wait and have an agent do a task, step by step for each person.

Guardrails: safety rules →

Topics to refuse, blocked words, hidden personal data, reply length and keeping instructions private.

Webhooks: actions in your systems →

Let the agent look things up and take actions: orders, bookings, CRM, tickets and payments.

Related

AI calling agent →

An AI calling agent that answers and makes phone calls on your Indian number, in Hindi, English and 10 more languages, within TRAI calling hours and DND rules.

Hindi voice bot →

A Hindi voice bot that talks naturally in Hindi and Hinglish on phone calls, WhatsApp and your website: answers questions, books, reminds and follows up.

WhatsApp AI agent →

An AI agent on your WhatsApp Business number: answers customers in their language, looks up orders, books appointments and follows up. Your team can take over.

E-commerce →

An AI agent for online stores: calls to confirm COD orders, answers order-status questions on WhatsApp and calls, and handles returns, to cut RTO.

Try it with free credits today.

Start from a template, talk to your agent in the browser, and test it end to end before it talks to a single customer.

Start freeSee pricing