introducing AI Servicing & Collections Agent

An AI agent that can make calls, take calls and get you paid.

Spend less time on routine calls and more time getting paid with AI Servicing & Collections Agent.

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New! PayNearMe acquires Marr Labs to accelerate AI innovation.

From first touch to resolution

AI Servicing & Collections Agent is built directly into the PayXM™ platform, giving it the ability to interact with customers and end each call with a resolution—a payment, a promise to pay or an escalation to a live agent.

Slash manual calls

Automate the routine inbound and outbound payment calls that drive up your contact center costs.

Resolve customer issues quickly

Give payers a natural way to check balances, confirm due dates, and pay, without waiting on hold.

Improve collections outcomes

Provide a seamless payment experience in calls and messages, turning interactions into completed transactions.

Scale outbound without headcount

Reach more accounts and move more of them toward resolution, without hiring more collectors.

Built for the jobs you need done

AI Servicing & Collections Agent can be deployed to take care of the jobs you need done today, while providing the capabilities that will help you scale tomorrow.

Inbound calls

Answers inbound calls and helps payers check their balance, confirm their due date, and make a payment. When needed, calls can be escalated to a real human to complete.

Outbound calls

Makes outbound calls and follows up with a voicemail and text message to remind payers about upcoming, due, or past-due payments, giving payers easy ways to take action.

Multi-modal

Offers a fully agentic conversation taking payments and offering scheduled payments — all within your business rules and custom engagement strategy.

AI that understands your payments—and takes action

PayNearMe’s voice agent combines agentic AI with your payment data, business rules, and workflows. It can understand why a customer is calling, determine the right next step, and carry it out—from answering a payment question to completing a transaction.

Respond with payment context

Use relevant account and payment data to understand the customer’s situation and guide the conversation.
Follow your rules and workflows

Apply your business rules and compliance requirements to determine which actions the agent can take and when to escalate.
Turn conversations into completed actions

Accept payments by card, ACH, or mobile wallet, and follow up with a payment link by text when that’s the right next step.

Avoid the agentic traps

Because every interaction connects to payment data, your business rules, and your servicing workflows, the goal of each call isn’t just a smoother conversation — it’s a resolved outcome: a payment, a scheduled payment or a clean hand-off to your team.

Help customers in need

Enable customers to schedule a payment for the future to allow more flexibility in outcomes.
Escalation without frustration

Allow live transfers to a human agent if the customer needs nuanced support, without extra steps or resharing information.
Policy-governed, not scripted

Ensure the AI agent follows the rules of your business so that you can stay secure and compliant.