AI · Collections

AI Collections Agent

An agent that follows up on overdue invoices so your team handles the hard ones.

We build AI collections agents that prioritise overdue accounts, send tone-appropriate reminders on WhatsApp and email, log promises to pay, share invoice copies and escalate disputes to your team with context.

Prioritised follow-up
WhatsApp and email
Promise tracking

Book a free consultation →See proof of capability

Free 30-minute call with a senior specialist. Reply within one business day. Based in Jaipur, working with businesses across India.

How we deliverAI Collections Agent

Fixed-scope start

Discovery callFree 30 minutes with a senior specialist
Scoped first phaseWritten scope, timeline and fixed price
Build with weekly demosWorking software you can see every week
Launch and supportGo-live with your team ready, then ongoing support

Focus areas

Prioritised follow-upWhatsApp and emailPromise tracking

100%of agent actions logged

5governance gates

2 weeksfixed-price Discovery Sprint

Quick answer

What is an AI collections agent?

An AI collections agent reads your receivables, decides who to remind and when, sends approved reminders on WhatsApp or email, captures promises to pay and escalates disputes to a person. Stack18 builds it with approval rules, tone controls and a full audit trail, linked to your accounts.

Last reviewed 31 October 2026 by the Stack18 delivery team in Jaipur. Security and AI governance · Pricing · About Stack18

AI Collections Agent at a glance
What it covers	Prioritisation; Reminders; Promises and payments; Disputes and escalation; Governance.
Typical first step	Discovery Sprint: 2 weeks; fixed price.
Ready-made route	FinOps OS Launch: launch edition, live in weeks; from ₹2.4L, one-time, no per-user fees.
Long-term option	Transformation Pod: 12–36 months; annual contract.
Measured by	Days sales outstanding; Overdue over 60 days; Promise-keeping rate; Hours spent chasing. Each against an agreed baseline.
Governance	Human approval at 5 governance gates, every AI agent action logged, NDA available on request.
Delivery team	Based in Jaipur, India. A senior specialist replies within one business day.

Is this you?

You need this when…

Tap the ones that apply to you.

Most teams we work with recognise two or three of these.

Talk to an expert about this

What we deliver

AI Collections Agent, end to end.

Each capability is delivered by the same team on the Agentic SDLC, with your approval at every critical step.

Prioritisation

Overdue invoices are ranked by ageing, risk and customer history, so effort goes to the accounts that matter most.

Ageing and risk ranking
Customer history
Promise status

Reminders

Approved WhatsApp and email templates with tone and schedule rules send consistent, polite reminders with invoice copies.

WhatsApp and email templates
Tone and schedule rules
Invoice copy sharing

Promises and payments

Promises to pay are logged and checked, payment links are shared and receipts update status automatically.

Promise-to-pay log
Payment link sharing
Auto-update on receipt

Disputes and escalation

Disputes are captured with reasons and escalated to the owner, with credit-hold suggestions for repeat issues.

Dispute capture with reason
Escalation to owner
Credit-hold suggestions

Governance

Approval before first send, do-not-contact lists and a full action log keep the programme inside your rules.

Approval before first send
Do-not-contact lists
Action log

How we work

A typical engagement, step by step.

Senior people lead every phase. Specialised AI agents on the Agentic SDLC handle the repetitive work, and nothing ships without your approval.

01Week 1

Discovery

We map today's process, systems and data for prioritisation; reminders; and promises and payments, talk to the people who run it and agree the baseline for days sales outstanding and overdue over 60 days so progress is measured from week one.

You getScope, baseline and fixed price

AgentsCompassDraft

02Weeks 2–3

Design

We design the flows, roles, approvals and integrations for prioritisation and reminders, and review a clickable prototype with the people who will use it before anything is built.

You getBlueprint, prototype and plan

AgentsBlueprint

03Build phase

Build in weekly demos

We build in weekly demos, starting with prioritisation, then reminders and promises and payments. Each release is tested on your own data and passes a human approval gate before the next begins.

You getA working release every week

AgentsWeldGridWatch

04Go-live

Launch and support

We migrate data, train your team and support go-live. After 30 days we review days sales outstanding, overdue over 60 days and promise-keeping rate against the baseline and agree what to extend next.

You getLive system, trained users and a 30-day review

AgentsLaunchPulse

Offer

Start small. Scale when it works.

Every engagement begins with a short, fixed-price step so you can judge the fit before committing further. See pricing.

Start here

Discovery Sprint

Teams deciding which of prioritisation; reminders; and promises and payments to build first, and what it should cost.

Duration: 2 weeks
Pricing: Fixed price

Scoped plan and timeline
Team and fixed price
Process map or prototype

Start with Discovery Sprint

Ready-made route

FinOps OS Launch

Teams that want a proven, ready-made base for AI collections agent that goes live fast and can be extended later.

Duration: Launch edition, live in weeks
Pricing: From ₹2.4L, one-time, no per-user fees

Pre-built modules to configure
Data migration and training
Extend with custom work later

Discuss FinOps OS Launch

Long-term

Transformation Pod

Organisations running AI collections agent across several teams, sites or systems over years.

Duration: 12–36 months
Pricing: Annual contract

Dedicated cross-functional team
Quarterly business reviews
One accountable partner

Discuss Transformation Pod

Proof of capability

What we have shipped, and what a typical engagement looks like.

Delivered projects link to the full case study. Illustrative scenarios describe typical engagements and are not named client results.

Illustrative scenario

B2B distributor

Challenge: Reminders sent irregularly; promises not tracked.
What we do: Prioritised reminders with a promise log and escalation of disputes.
We would measure: days sales outstanding, overdue over 60 days and promise-keeping rate, against a baseline agreed in week one.

Pilot in weeks

171modules across 6 ready-made solutions, each priced in rupees

10specialised AI agents on the Agentic SDLC

5human governance gates before anything reaches production

2018founded in Jaipur by Prateek Mathur

₹0per-user licence fees on every ready-made solution

1 daysenior specialist reply to every enquiry

Free for qualified businesses

Free collections follow-up review

Tell us where collections follow-up hurts most. We map what to fix first, whether ready-made or custom fits, and a realistic first step.

Where to start and why
Ready-made vs custom view
Indicative timeline

Request your free collections follow-up review

Outcomes we measure

We agree targets before we start.

Every engagement has a baseline and a target on the measures that matter to you, reported at every read-out.

Days sales outstandingbaseline vs target

Overdue over 60 daysbaseline vs target

Promise-keeping ratebaseline vs target

Hours spent chasingbaseline vs target

Dispute resolution timebaseline vs target

Collection ratebaseline vs target

FAQ

AI Collections Agent questions.

Ask us anything

Will it send messages without approval?

Only inside rules you set. You can require approval for first sends, high-value accounts or any message type.

Is it aggressive?

No. Tone is set by you, and relationship-sensitive accounts can be excluded.

What data does it need?

Receivables, contact details and invoice copies from your ERP or Tally.

Does it work with Indian payment methods?

Yes. It can share UPI and payment links and record receipts.

How do we measure success?

Against your baseline: days outstanding, promise-keeping and hours spent on chasing. We agree the baseline in week one and report against it at each weekly demo and at a 30-day review.

How much does AI collections agent cost?

Every engagement starts with a fixed-price Discovery Sprint that produces scope, a plan and a quote. FinOps OS Launch is available from ₹2.4L, one-time, no per-user fees, excluding GST. Changes are agreed in writing before they are built, so the price you approve is the price you pay.

What should we prepare before the first call?

Bring a short description of how AI collections agent works today, examples of the documents or screens your team uses, and the three numbers that matter most to you. A senior specialist will use them to outline a first step and a fixed price.