Voice AI Agents that
Capture Payment Intent

Automated agents that handle payment term negotiations, capture payment-related intent, whether partial or complete, and handle compliance language automatically.

Industries that Benefit

Effectively capture promise-to-pays with timely and compliant payment reminder calls.

Make timely and compliant reminders to capture intent or allow borrowers to negotiate payment terms.

Reduce missed payments with timely reminders and meaningful capturing of promise-to-pays. Ensure a seamless customer experience for your customers.

Qualify intent to meet payments for healthcare using payment reminders to capture promise-to-pays. Ensures compliant conversations happen at scale.

Verify borrower intent to make payments with automated payment reminder calls that capture promise-to-pays, negotiable terms, and more.

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Actions you can Streamline

Ensure reduced missed payment, better recovery rate, and improved customer experience for your borrowers. 

PTP Capture and Confirmation

Automate the initial PTP call to understand and capture borrow intent regarding the due payment.

PTP Reminder Sequence

 Sensitively craft a planned sequence to create ideal touchpoints to ensure promise-to-pay and reduce missed payments.

Missed PTP Recovery

Initiates a reminder and inquiry call to understand the reason behind the ‘broken promise’ and offer possible fulfilment options.

PTP Update or Reschedule Calls

 Voice AI Agents reschedule the calls based on the borrower’s availability to ensure on-time reminders and consistent CX.

SMS and Email Confirmations

Send a PTP capture confirmation email or SMS to the borrower while helping them stay on the same page as you. 

PTP Negotiation Paths

Voice AI agents can handle sensitive payment negotiations with the borrowers to create flexibility for the borrower and improve recovery rates.

How it works

Traditional vs Voice AI

Traditional Process

Fragmented workflow with multiple broken touchpoints.

Manual effort and difficult to scale


High costs and unpredictable volume handling

It required a lot of effort to capture borrower intent.

Missed and delayed reminders leading to inconsistent borrower experience and reduced recovery.

Voice AI

Linear and connected workflow with ideal and consistent touchpoints.

Automated effort and on-demand scalability 

Lower costs and high-volume handling

Seamlessly capture borrower intent over timely and compliant calls.

Consistent reminders and sequences for lift in PTP, improved borrower experience, and improved recovery.

What you can expect

Upto 35%

Higher PTP Intent Rate

Upto 40%

Reduction in Missed Payments

Over 28%

 Lift in PTP Conversions

Featured Case Study

Debt Recovery
Improved by  3X

Learn how this debt collection firm streamlined their outreach operations using Vodex’s Gen AI powered voice Agents.
3X
Debt recovery rate improvement
7X
Connect Rate improvement
Read the case study

Security & Compliance

Encrypted call recordings & scheduling details

Consent checks before sharing information

Full audit trails for compliance tracking

ISO 27001, SOC 2, HIPPA Compliant

Insights & Updates
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Debt Collection
How to Automate Promise-to-Pay (PTP) Capture with Voice AI
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How to Implement AI Voice Agents for Debt Collection: A Practical Guide
Learn to set up AI voice agents for debt collection: connect to your SIP trunk, design prompts, ensure compliance, and track campaign results.
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In the rapidly evolving world of Buy Now, Pay Later (BNPL), collections have emerged as a critical focal point. As the industry matures, balancing growth with increasing regulatory pressure and rising default rates, the need for smarter, scalable, and collections strategies is no longer optional.
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The Future of AI in BHPH Collections: Transforming Auto Finance Recovery
In the Buy Here Pay Here (BHPH) auto finance space, collections are both an art and a daily grind.
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5 Strategies for Creating Customer-Centric Digital Debt Collections
Discover how AI and smarter communication strategies can enhance engagement, ensure compliance, and improve digital debt collection outcomes.
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Collections Made Easy: How AI is Transforming Debt Recovery
Debt collection is at a turning point. Once characterized by inefficiency, strained relationships, and compliance challenges, the landscape is now being redefined by innovation.
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How Debt Collectors Can Stay Compliant with FDCPA Using Gen AI
Ethical debt collection requires FDCPA compliance to avoid penalties, build trust, and protect your reputation. Learn how to collect payments professionally and legally.
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Frequently Asked Questions

What is Promise-to-Pay (PTP) capture in debt collection?

Promise-to-Pay (PTP) capture refers to recording a borrower’s commitment to make a payment on a specific date or through a structured plan. Accurate PTP capture is critical because it directly affects recovery forecasts, agent workflows, and compliance reporting.
Platforms like Vodex automate the capture, confirmation, and CRM write-back of PTPs so teams always have up-to-date, audit-ready records.

What business impact can US collection teams expect from AI payment reminders?

Yes. AI Voice Agents are fully allowed to capture PTPs as long as they follow the same federal and state rules required of human collectors. In fact, AI often improves compliance because it never skips mandatory disclosures, mishandles consent, exceeds call-frequency limits, or dials outside approved windows. Vodex strengthens this even further with built-in script locking, real-time compliance guardrails, timestamped transcripts, and automatic DNC syncing ensuring every PTP is captured accurately, consistently, and in a fully auditable format.

Can AI Voice Agents confirm or schedule payments during the same call?

Yes. Modern systems can negotiate simple payment details, confirm dates, and even trigger SMS or email reminders. Vodex’s AI agents can schedule payment reminders, confirm commitments, trigger payment-portal links, and automatically update the borrower’s next action in your system of record.

Can AI Voice Agents reduce the cost of collecting PTPs?

Absolutely. Since PTP calls are high-volume but repetitive, AI can handle 60–80% of first-tier interactions at a fraction of the cost of human agents. Vodex customers typically shift the majority of low-complexity PTP conversations to Voice AI, reducing operational expenses while increasing actual commitments.

Does AI improve the quality and consistency of PTP follow-up?

Yes. AI ensures reminders, verifications, payment-link nudges, and callbacks happen exactly on schedule. Vodex automates the entire follow-up chain, triggering reminders, updating next-contact dates, and ensuring no PTP slips through the cracks.

How can AI Voice Agents improve PTP capture rates?

AI Voice Agents improve PTP capture by maintaining consistent scripts, asking follow-up questions reliably, and confirming payment details without error. They never rush the borrower, stay compliant, and preserve every intent signal. Vodex’s Voice AI agents are specifically tuned for debt collection conversations and are trained to detect payment intent, verify borrower identity, and confirm payment dates with near-perfect consistency.

How accurate is AI-based PTP detection compared to human agents?

AI often captures PTPs more reliably because it doesn’t skip steps, forget disclaimers, or mistype details. It records exact borrower statements, intent categories, dates, and follow-ups. Vodex uses intent classification and structured data extraction so every PTP is logged cleanly and written back to your CRM in real time.

What happens if a borrower declines or hesitates during a PTP call?

AI agents can de-escalate, offer alternative dates, provide information, or gracefully hand off to a human if needed. Vodex includes real-time call transfer to your team when the borrower needs a human, ensuring continuity without compliance risk.

Is the borrower data and PTP information securely stored?

Yes. PTP data must be encrypted, access-controlled, and audit-logged to meet federal and industry security requirements. Vodex stores transcripts, call logs, and PTP details in a secure environment with audit trails and optional compliance documentation (SOC2, HIPAA, ISO on request).

Can AI integrate with our collections CRM or in-house system for PTP updates?

Yes. Most platforms integrate via APIs, middleware, or file-based syncing. Vodex supports integrations with leading collections systems, dialers, and custom in-house platforms ensuring PTP commitments, timestamps, and call outcomes sync automatically.

Ready to see it Live?

Book a product walkthrough with our experts today.

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