Humanized AI Debt Collection and Repayments
Turn delinquencies into timely payments with goal-oriented GenAI agents that turn "I forgot" into "Paid Today".
Powering results for our clients
Powering results for our clients
Powering collections in
Banks
Debt Collection Agencies
Utility & Telecom Companies
Buy Now Pay Later (BNPL)
Law Firms
Healthcare Industry
Banks
Debt Collection Agencies
Utility & Telecom Companies
Buy Now Pay Later (BNPL)
Law Firms
Healthcare Industry
Banks
Debt Collection Agencies
Utility & Telecom Companies
Buy Now Pay Later (BNPL)
Law Firms
Healthcare Industry
Banks
Debt Collection Agencies
Utility & Telecom Companies
Buy Now Pay Later (BNPL)
Law Firms
Healthcare Industry
Moveo.AI Agents are engineered for Collections
Moveo's AI agents reinvent how organizations engage their customers, starting with collections. Our AI collection agents manage thousands of accounts, deliver compliant and personalized outreach, and adapt strategies in real-time. Scalable, intelligent, and human-like collections are now a reality.
CEO
Mobi2buy
Our partnership with Moveo.AI has been crucial in driving innovation in the Brazilian market. Together, we created an AI agent for one of the largest Telco in LATAM, automating and scaling its debt collection efforts. A solution twice as effective as traditional chatbots.
Software company
CEO
Mobi2buy
Our partnership with Moveo.AI has been crucial in driving innovation in the Brazilian market. Together, we created an AI agent for one of the largest Telco in LATAM, automating and scaling its debt collection efforts. A solution twice as effective as traditional chatbots.
Software company
CEO
Mobi2buy
Our partnership with Moveo.AI has been crucial in driving innovation in the Brazilian market. Together, we created an AI agent for one of the largest Telco in LATAM, automating and scaling its debt collection efforts. A solution twice as effective as traditional chatbots.
Software company
CEO
Mobi2buy
Our partnership with Moveo.AI has been crucial in driving innovation in the Brazilian market. Together, we created an AI agent for one of the largest Telco in LATAM, automating and scaling its debt collection efforts. A solution twice as effective as traditional chatbots.
Software company
Achieve Higher ROIs in Collection
Debt Collection Agency
up to +20%
increased recovery compared to call center collectors
Debt Collection Agency
up to +80%
improved debt recovery compared to chatbots
Debt Collection Agency
up to +20%
increased recovery compared to call center collectors
Debt Collection Agency
up to +80%
improved debt recovery compared to chatbots
Debt Collection Agency
up to +20%
increased recovery compared to call center collectors
Debt Collection Agency
up to +80%
improved debt recovery compared to chatbots
Debt Collection Agency
up to +20%
increased recovery compared to call center collectors
How the Debt Collection AI Agent Works
Sync your AI Agent to Debt Collection Data
Connect your AI collection agents directly to your customer data to power smarter, more personalized repayment conversations in real-time. By leveraging this data, Moveo AI collection agents optimize outreach and improve collection performance without adding headcount
Meet your customers where they are
Engage customers wherever they are, via SMS, WhatsApp, email, web chat, and voice (coming soon), while your AI collection agent personalizes each interaction to maximize recovery and build customer loyalty
Monitor, Measure, and Maximize Collections
Gain complete visibility into every AI-driven conversation, from promise-to-pay to customer signals like job loss or medical hardship across your entire portfolio. Turn these insights into action, enabling your team to adopt a customer-centric collection strategy that maximizes revenue
How Moveo.AI fosters payment culture in collections
Reminders & Follow-ups
Timely. Personalized. Efficient.
AI agents engage customers with proactive, reminders and follow-ups, helping reduce late payments, minimize risk, and support a healthier payment culture. The result: improved customer experience and stronger financial outcomes
Payment negotiations
Promise to Pay
Acknowledgement of payment
Reminders & Follow-ups
Timely. Personalized. Efficient.
AI agents engage customers with proactive, reminders and follow-ups, helping reduce late payments, minimize risk, and support a healthier payment culture. The result: improved customer experience and stronger financial outcomes
Payment negotiations
Promise to Pay
Acknowledgement of payment
Reminders & Follow-ups
Timely. Personalized. Efficient.
AI agents engage customers with proactive, reminders and follow-ups, helping reduce late payments, minimize risk, and support a healthier payment culture. The result: improved customer experience and stronger financial outcomes
Payment negotiations
Promise to Pay
Acknowledgement of payment
Reminders & Follow-ups
Timely. Personalized. Efficient.
AI agents engage customers with proactive, reminders and follow-ups, helping reduce late payments, minimize risk, and support a healthier payment culture. The result: improved customer experience and stronger financial outcomes
Payment negotiations
Promise to Pay
Acknowledgement of payment
Bob Grant
Seattle, WA
0 points
Credit Card
Overdue Period: 7 months
Outstanding Amount: $357.22
Last Payment: 01/02/2025
Last Payment Amount: $58
Bob Grant
Seattle, WA
0 points
Credit Card
Overdue Period: 7 months
Outstanding Amount: $357.22
Last Payment: 01/02/2025
Last Payment Amount: $58
Bob Grant
Seattle, WA
0 points
Credit Card
Overdue Period: 7 months
Outstanding Amount: $357.22
Last Payment: 01/02/2025
Last Payment Amount: $58
Everything You Need for Smarter Collections
Compliant by design
As regulations tighten and scrutiny grows, being smart with AI is only half the battle the other half is aligning your tech strategy with legal, enterprise, and trust standards.
Built-in regulatory guardrail
Private LLM
Private cloud or on-premise deployment optio3⁄4
Hallucinations control - Stays compliant
Custom Insights
Uncover conversation signals that go beyond intent like job loss, medical conditions, natural disasters or other hardship indicators. Automatically flag and track these collection insights to enable smarter resegmentation, personalized follow-up, and empathetic outreach strategies that drive resolution while preserving trust
Connect with the Human Behind the Number
Moveo.AI blends digital scale with human empathy. Our AI agents recognize each consumer as an individual, engaging across channels to drive collections and foster a payment culture
100+ Battle-Tested Collection Playbooks
Proven AI collection agent payment journeys that collect from day one with no-code and always compliant
Authentication + 24/7 Support
AI Agents can verify all delinquent accounts via conversations, ensuring compliance and a high CSAT score, all while providing 24/7 omnichannel support for collection issues
AI Debt Collection vs Traditional Debt Collection
Debt Collection Features
Recovery Rate
Moveo AI
Up to 80%*
Traditional Collection
Stuck at 11%
Debt Collection Features
Recovery Rate
Moveo AI
Up to 80%*
Traditional Collection
Stuck at 11%
Debt Collection Features
Cost per collect attempt
Moveo AI
$1 or less per case**
Traditional Collection
$5-6 per call
Debt Collection Features
Cost per collect attempt
Moveo AI
$1 or less per case**
Traditional Collection
$5-6 per call
Debt Collection Features
Cost per collect
Moveo AI
6.25%
Traditional Collection
12%
Debt Collection Features
Cost per collect
Moveo AI
6.25%
Traditional Collection
12%
Debt Collection Features
Compliance
Moveo AI
Built-in, real-time
Traditional Collection
Manual and training
Debt Collection Features
Compliance
Moveo AI
Built-in, real-time
Traditional Collection
Manual and training
Debt Collection Features
Availability
Moveo AI
24/7/365***
Traditional Collection
Business hours (9-5)
Debt Collection Features
Availability
Moveo AI
24/7/365***
Traditional Collection
Business hours (9-5)
Debt Collection Features
Language Support
Moveo AI
150+ languages
Traditional Collection
English or limited language capabilities
Debt Collection Features
Language Support
Moveo AI
150+ languages
Traditional Collection
English or limited language capabilities
Debt Collection Features
Scaling
Moveo AI
1 to 10,000+ concurrent collection conversations
Traditional Collection
Limited by team size, hiring & training cycles
Debt Collection Features
Scaling
Moveo AI
1 to 10,000+ concurrent collection conversations
Traditional Collection
Limited by team size, hiring & training cycles
Debt Collection Features
Channels
Moveo AI
Chat, email, SMS, Voice (upcoming)
Traditional Collection
Usually call-first, poor multichannel capabilities
Debt Collection Features
Channels
Moveo AI
Chat, email, SMS, Voice (upcoming)
Traditional Collection
Usually call-first, poor multichannel capabilities
Debt Collection Features
Personalization
Moveo AI
Adaptive to tone
Traditional Collection
Scripted responses
Debt Collection Features
Personalization
Moveo AI
Adaptive to tone
Traditional Collection
Scripted responses
Debt Collection Features
Time to conversion
Moveo AI
Often resolved within 1st or 3rd interaction
Traditional Collection
Days to weeks (multiple touches)
Debt Collection Features
Time to conversion
Moveo AI
Often resolved within 1st or 3rd interaction
Traditional Collection
Days to weeks (multiple touches)
Debt Collection Features
Debt Collection Features
Recovery Rate
Cost per collect attempt
Cost per collect
Compliance
Availability
Language Support
Scaling
Channels
Personalization
Time to conversion
Moveo AI Collection Agents
Moveo AI Collection Agents
Up to 80%*
Up to 80%*
$1 or less per case**
$1 or less per case**
6.25%
6.25%
Built-in, real-time
Built-in, real-time
24/7/365***
24/7/365***
150+ languages
150+ languages
1 to 10,000+ concurrent collection conversations
1 to 10,000+ concurrent collection conversations
Chat, email, SMS, Voice (upcoming)
Chat, email, SMS, Voice (upcoming)
Adaptive to tone
Adaptive to tone
Often resolved within 1st or 3rd interaction
Often resolved within 1st or 3rd interaction
Traditional Debt Collection
Traditional Debt Collection
Stuck at 11%
Stuck at 11%
$5-6 per call
$5-6 per call
12%
12%
Manual and training
Manual and training
Business hours (9-5)
Business hours (9-5)
English or limited language capabilities
English or limited language capabilities
Limited by team size, hiring & training cycles
Limited by team size, hiring & training cycles
Usually call-first, poor multichannel capabilities
Usually call-first, poor multichannel capabilities
Scripted responses
Scripted responses
Days to weeks (multiple touches)
Days to weeks (multiple touches)
Debt Collection Features
Recovery Rate
Moveo AI
Up to 80%*
Traditional Collection
Stuck at 11%
Debt Collection Features
Recovery Rate
Moveo AI
Up to 80%*
Traditional Collection
Stuck at 11%
Debt Collection Features
Cost per collect attempt
Moveo AI
$1 or less per case**
Traditional Collection
$5-6 per call
Debt Collection Features
Cost per collect attempt
Moveo AI
$1 or less per case**
Traditional Collection
$5-6 per call
Debt Collection Features
Cost per collect
Moveo AI
6.25%
Traditional Collection
12%
Debt Collection Features
Cost per collect
Moveo AI
6.25%
Traditional Collection
12%
Debt Collection Features
Compliance
Moveo AI
Built-in, real-time
Traditional Collection
Manual and training
Debt Collection Features
Compliance
Moveo AI
Built-in, real-time
Traditional Collection
Manual and training
Debt Collection Features
Availability
Moveo AI
24/7/365***
Traditional Collection
Business hours (9-5)
Debt Collection Features
Availability
Moveo AI
24/7/365***
Traditional Collection
Business hours (9-5)
Debt Collection Features
Language Support
Moveo AI
150+ languages
Traditional Collection
English or limited language capabilities
Debt Collection Features
Language Support
Moveo AI
150+ languages
Traditional Collection
English or limited language capabilities
Debt Collection Features
Scaling
Moveo AI
1 to 10,000+ concurrent collection conversations
Traditional Collection
Limited by team size, hiring & training cycles
Debt Collection Features
Scaling
Moveo AI
1 to 10,000+ concurrent collection conversations
Traditional Collection
Limited by team size, hiring & training cycles
Debt Collection Features
Channels
Moveo AI
Chat, email, SMS, Voice (upcoming)
Traditional Collection
Usually call-first, poor multichannel capabilities
Debt Collection Features
Channels
Moveo AI
Chat, email, SMS, Voice (upcoming)
Traditional Collection
Usually call-first, poor multichannel capabilities
Debt Collection Features
Personalization
Moveo AI
Adaptive to tone
Traditional Collection
Scripted responses
Debt Collection Features
Personalization
Moveo AI
Adaptive to tone
Traditional Collection
Scripted responses
Debt Collection Features
Time to conversion
Moveo AI
Often resolved within 1st or 3rd interaction
Traditional Collection
Days to weeks (multiple touches)
Debt Collection Features
Time to conversion
Moveo AI
Often resolved within 1st or 3rd interaction
Traditional Collection
Days to weeks (multiple touches)
*
Up to 20% compared to collection agents
Up to 80% compared to traditional chatbots
**
16x ROI
***
Instant and compliant responses
FAQs
What is an AI collection agent?
An AI collection agent is a conversational AI that automates the debt recovery process through chat, SMS, email or voice. It engages with customers in natural language, negotiates payments, and ensures compliance all without human intervention using context-aware and customer information to maximize revenue recovery
What is an AI collection agent?
An AI collection agent is a conversational AI that automates the debt recovery process through chat, SMS, email or voice. It engages with customers in natural language, negotiates payments, and ensures compliance all without human intervention using context-aware and customer information to maximize revenue recovery
What is an AI collection agent?
An AI collection agent is a conversational AI that automates the debt recovery process through chat, SMS, email or voice. It engages with customers in natural language, negotiates payments, and ensures compliance all without human intervention using context-aware and customer information to maximize revenue recovery
What is an AI collection agent?
An AI collection agent is a conversational AI that automates the debt recovery process through chat, SMS, email or voice. It engages with customers in natural language, negotiates payments, and ensures compliance all without human intervention using context-aware and customer information to maximize revenue recovery
How does AI debt collection work for utility companies?
AI collection agents integrate with utility billing systems to engage past-due customers via text or voice, negotiate payment plans, and resolve balances instantly 24/7. This reduces call center volume and improves customer satisfaction.
How does AI debt collection work for utility companies?
AI collection agents integrate with utility billing systems to engage past-due customers via text or voice, negotiate payment plans, and resolve balances instantly 24/7. This reduces call center volume and improves customer satisfaction.
How does AI debt collection work for utility companies?
AI collection agents integrate with utility billing systems to engage past-due customers via text or voice, negotiate payment plans, and resolve balances instantly 24/7. This reduces call center volume and improves customer satisfaction.
How does AI debt collection work for utility companies?
AI collection agents integrate with utility billing systems to engage past-due customers via text or voice, negotiate payment plans, and resolve balances instantly 24/7. This reduces call center volume and improves customer satisfaction.
Is AI debt collection compliant with industry regulations?
Yes. Moveo.AI Collection Agents Platform has built-in compliance framework and is designed to follow FDCPA, TCPA, GDPR, Hippa, and regional regulatory frameworks. Conversations are auditable, and automatically adapt to contact preferences and consent requirements. Not only that, Moveo.AI agent-as-a-service platform can be deployed in private cloud or premise ensuring compliance and privacy.
Is AI debt collection compliant with industry regulations?
Yes. Moveo.AI Collection Agents Platform has built-in compliance framework and is designed to follow FDCPA, TCPA, GDPR, Hippa, and regional regulatory frameworks. Conversations are auditable, and automatically adapt to contact preferences and consent requirements. Not only that, Moveo.AI agent-as-a-service platform can be deployed in private cloud or premise ensuring compliance and privacy.
Is AI debt collection compliant with industry regulations?
Yes. Moveo.AI Collection Agents Platform has built-in compliance framework and is designed to follow FDCPA, TCPA, GDPR, Hippa, and regional regulatory frameworks. Conversations are auditable, and automatically adapt to contact preferences and consent requirements. Not only that, Moveo.AI agent-as-a-service platform can be deployed in private cloud or premise ensuring compliance and privacy.
Is AI debt collection compliant with industry regulations?
Yes. Moveo.AI Collection Agents Platform has built-in compliance framework and is designed to follow FDCPA, TCPA, GDPR, Hippa, and regional regulatory frameworks. Conversations are auditable, and automatically adapt to contact preferences and consent requirements. Not only that, Moveo.AI agent-as-a-service platform can be deployed in private cloud or premise ensuring compliance and privacy.
Can AI agents handle healthcare and medical debt collections?
AI agents are ideal for hospital billing departments, medical debt recovery, and RCM providers, offering gentle, compliant patient billing engagement that improves revenue cycle management and reduces administrative costs.
Can AI agents handle healthcare and medical debt collections?
AI agents are ideal for hospital billing departments, medical debt recovery, and RCM providers, offering gentle, compliant patient billing engagement that improves revenue cycle management and reduces administrative costs.
Can AI agents handle healthcare and medical debt collections?
AI agents are ideal for hospital billing departments, medical debt recovery, and RCM providers, offering gentle, compliant patient billing engagement that improves revenue cycle management and reduces administrative costs.
Can AI agents handle healthcare and medical debt collections?
AI agents are ideal for hospital billing departments, medical debt recovery, and RCM providers, offering gentle, compliant patient billing engagement that improves revenue cycle management and reduces administrative costs.
How does AI support BNPL collections or short-term lending?
For BNPL and fintech lenders, AI agents engage borrowers proactively across mobile-first channels (e.g., WhatsApp, SMS, email), offer instant repayment options, and escalate only high-risk cases to humans.
How does AI support BNPL collections or short-term lending?
For BNPL and fintech lenders, AI agents engage borrowers proactively across mobile-first channels (e.g., WhatsApp, SMS, email), offer instant repayment options, and escalate only high-risk cases to humans.
How does AI support BNPL collections or short-term lending?
For BNPL and fintech lenders, AI agents engage borrowers proactively across mobile-first channels (e.g., WhatsApp, SMS, email), offer instant repayment options, and escalate only high-risk cases to humans.
How does AI support BNPL collections or short-term lending?
For BNPL and fintech lenders, AI agents engage borrowers proactively across mobile-first channels (e.g., WhatsApp, SMS, email), offer instant repayment options, and escalate only high-risk cases to humans.
What is the average cost to collect using an AI agent?
AI agents cost around $1 per resolved case, compared to $5–$10 per manual agent call. That’s up to 75% savings in operational costs and up to 16× ROI, depending on your industry and average recovery size.
What is the average cost to collect using an AI agent?
AI agents cost around $1 per resolved case, compared to $5–$10 per manual agent call. That’s up to 75% savings in operational costs and up to 16× ROI, depending on your industry and average recovery size.
What is the average cost to collect using an AI agent?
AI agents cost around $1 per resolved case, compared to $5–$10 per manual agent call. That’s up to 75% savings in operational costs and up to 16× ROI, depending on your industry and average recovery size.
What is the average cost to collect using an AI agent?
AI agents cost around $1 per resolved case, compared to $5–$10 per manual agent call. That’s up to 75% savings in operational costs and up to 16× ROI, depending on your industry and average recovery size.
Can AI handle both early-stage and late-stage collections?
AI agents can adapt their tone and strategy depending on the stage of delinquency, offering softer reminders for early-stage debt, and firmer but compliant engagement for charge-offs or recoveries.
Can AI handle both early-stage and late-stage collections?
AI agents can adapt their tone and strategy depending on the stage of delinquency, offering softer reminders for early-stage debt, and firmer but compliant engagement for charge-offs or recoveries.
Can AI handle both early-stage and late-stage collections?
AI agents can adapt their tone and strategy depending on the stage of delinquency, offering softer reminders for early-stage debt, and firmer but compliant engagement for charge-offs or recoveries.
Can AI handle both early-stage and late-stage collections?
AI agents can adapt their tone and strategy depending on the stage of delinquency, offering softer reminders for early-stage debt, and firmer but compliant engagement for charge-offs or recoveries.
Do AI debt collection chatbots work for student loan or education-related debt?
AI debt collection and loan chatbots are highly effective for managing student loan repayments, tuition arrears, and education financing plans. They engage borrowers across SMS, email, or webchat to offer reminders, payment plans, and instant settlement without the friction of manual outreach. This makes them ideal for universities, student loan servicers, and education fintech platforms looking to reduce delinquencies while preserving goodwill.
Do AI debt collection chatbots work for student loan or education-related debt?
AI debt collection and loan chatbots are highly effective for managing student loan repayments, tuition arrears, and education financing plans. They engage borrowers across SMS, email, or webchat to offer reminders, payment plans, and instant settlement without the friction of manual outreach. This makes them ideal for universities, student loan servicers, and education fintech platforms looking to reduce delinquencies while preserving goodwill.
Do AI debt collection chatbots work for student loan or education-related debt?
AI debt collection and loan chatbots are highly effective for managing student loan repayments, tuition arrears, and education financing plans. They engage borrowers across SMS, email, or webchat to offer reminders, payment plans, and instant settlement without the friction of manual outreach. This makes them ideal for universities, student loan servicers, and education fintech platforms looking to reduce delinquencies while preserving goodwill.
Do AI debt collection chatbots work for student loan or education-related debt?
AI debt collection and loan chatbots are highly effective for managing student loan repayments, tuition arrears, and education financing plans. They engage borrowers across SMS, email, or webchat to offer reminders, payment plans, and instant settlement without the friction of manual outreach. This makes them ideal for universities, student loan servicers, and education fintech platforms looking to reduce delinquencies while preserving goodwill.
Can AI collection agents detect and handle disputed debts?
Modern AI collection agents are equipped with intent recognition and escalation logic that can detect phrases indicating a dispute, objection, or misunderstanding. When such a case arises, the AI either responds with compliant information or seamlessly transfers the conversation to a live agent with full context. This ensures a smooth, compliant experience — especially in regulated sectors like healthcare, telecom, or financial services.
Can AI collection agents detect and handle disputed debts?
Modern AI collection agents are equipped with intent recognition and escalation logic that can detect phrases indicating a dispute, objection, or misunderstanding. When such a case arises, the AI either responds with compliant information or seamlessly transfers the conversation to a live agent with full context. This ensures a smooth, compliant experience — especially in regulated sectors like healthcare, telecom, or financial services.
Can AI collection agents detect and handle disputed debts?
Modern AI collection agents are equipped with intent recognition and escalation logic that can detect phrases indicating a dispute, objection, or misunderstanding. When such a case arises, the AI either responds with compliant information or seamlessly transfers the conversation to a live agent with full context. This ensures a smooth, compliant experience — especially in regulated sectors like healthcare, telecom, or financial services.
Can AI collection agents detect and handle disputed debts?
Modern AI collection agents are equipped with intent recognition and escalation logic that can detect phrases indicating a dispute, objection, or misunderstanding. When such a case arises, the AI either responds with compliant information or seamlessly transfers the conversation to a live agent with full context. This ensures a smooth, compliant experience — especially in regulated sectors like healthcare, telecom, or financial services.
Platform
Solutions
Contact
info@moveo.ai
368 9th Ave.
New York, NY
10001, USA
Avenida Paulista, 1374
Bela Vista, São Paulo
SP 01310-100, Brazil
Makedonon 8
Athens, Attiki
11521, Greece
Moveo.AI © 2025 | All rights reserved.
Platform
Solutions
Contact
info@moveo.ai
368 9th Ave.
New York, NY
10001, USA
Avenida Paulista, 1374
Bela Vista, São Paulo
SP 01310-100, Brazil
Makedonon 8
Athens, Attiki
11521, Greece
Moveo.AI © 2025 | All rights reserved.
Platform
Solutions
Contact
info@moveo.ai
368 9th Ave.
New York, NY
10001, USA
Avenida Paulista, 1374
Bela Vista, São Paulo
SP 01310-100, Brazil
Makedonon 8
Athens, Attiki
11521, Greece
Moveo.AI © 2025 | All rights reserved.
Platform
Solutions
Contact
Makedonon 8
Athens, Attiki
11521, Greece
368 9th Ave.
New York, NY
10001, USA
info@moveo.ai
Avenida Paulista, 1374
Bela Vista, São Paulo
SP 01310-100, Brazil
Moveo.AI © 2025 | All rights reserved.