An AI collections workforce, not just automated reminders
Repaid analyzes your unpaid invoices, prioritizes at-risk cases, contacts your debtors and negotiates with you in the chat — then escalates to a human when needed.
What the product does
Everything your finance team needs, without cluttered screens
Customer invoicing
Create, send and track your invoices
Invoices, quotes and credit notes
Create, issue and send your documents with your own numbering, your taxes and a PDF. An issued invoice is never edited: you cancel it and create a new one.
Three journeys to choose from
Send only, send and follow payment, or send and start recovery: the choice is stored per invoice and enforced by the system.
Pre-due reminder and overdue detection
A friendly reminder goes out before the due date on the original channel, never for a paid invoice. When it is late, your team is alerted.
Payment verified, not assumed
A payment is confirmed by the payment provider or by your team; a customer's claim stays a claim until it is validated.
AI Collections
The agent that analyzes, prioritizes and acts
Risk analysis & scoring
Every invoice and debtor gets a risk level (low / medium / high) calculated automatically, so attention goes where it matters.
Blocker diagnosis
The agent identifies why an invoice is unpaid — dispute, missing document, admin issue, or cash-flow problem — before recommending an action.
Action recommendations
Once the blocker is identified, the agent recommends the next move to your team: follow up, propose a payment plan, or escalate.
Multichannel outreach
The agent reaches the debtor by email, SMS or WhatsApp, with every exchange kept in the case history.
Chat-driven negotiation
In a conversation your team drives, the agent starts a recovery, proposes a payment plan, and logs every negotiation exchange with the debtor.
Human escalation
After several unsuccessful negotiation attempts, the case is automatically escalated to your team — the threshold is configurable.
Accounts receivable
All your receivables data, in one place
Invoices
Add an invoice manually, import a CSV, or drop it into the chat — AI extracts the data automatically.
Debtors
Full history, risk level and relationship per debtor, no matter how many invoices are open.
Collection cases
Every case follows a clear status pipeline (New → Analysis → Contact → Negotiation → Recovered).
Payment plans
When allowed, the agent proposes a staggered payment plan and tracks every installment through to the final balance.
Disputes
A dispute is tracked as a clear status on the case. Your team — helped by the agent in the chat — diagnoses the blocker and decides on the response: there's no automatic document comparison today.
Communications
Every email, SMS and WhatsApp message stays tied to the debtor and their case, reviewable at any time.
AI Assistant
A chat with real actions, not just a FAQ
Recovery stats
"How much have we recovered this month?" — the agent queries your real data to answer with numbers, not estimates.
Overdue invoices & top debtors
List invoices overdue past a chosen threshold, or your debtors with the largest outstanding balance.
Invoice diagnosis
Ask why a specific invoice hasn't been paid — case status, any dispute, and the last communication sent.
Recovery actions
Start a recovery, propose a payment plan, or log a negotiation exchange, directly from the conversation.
Dropped-invoice analysis
Drop a file into the chat — the agent extracts the details (amount, debtor, due date) for you to confirm before the case is created.
Company profile
The AI learns your business before negotiating on your behalf
Business analysis
From your website or a short description, Repaid identifies your industry, business model, customer type and the countries you operate in.
Human confirmation required
Nothing is used automatically: you review and correct what the AI understood before it's ever used to negotiate with your customers.
Collections policy
Set the grace period, the maximum discount allowed, and plain-language instructions that frame how the agent negotiates.
A profile that stays current
Tone, strategy, channel order and escalation threshold can be changed anytime from settings, and apply to the agent immediately.
Automation
What runs on its own, and what needs you
Automatic follow-ups
A daily job sends scheduled reminders based on how overdue the invoice is — no manual action from your team.
Integration status
Each connection's state (Connected / Error / Reconnect needed) updates automatically from incoming events.
Negotiation continues automatically
When a debtor replies (a payment promise, a delay request, or a document request), the agent continues the negotiation and replies automatically — within the human-approval limits you've configured. You can also start the conversation yourself in the chat.
Analytics
What's genuinely measured today
Recovery rate
Track the share of receivables recovered over the last 6 months.
Amount recovered
The total amount actually recovered, aggregated by period.
Receivables aging
See outstanding balances broken down by age bracket, to spot what's turning critical.
Ready to let the agent take over?
Connect your invoices and launch your first collection case in minutes.