All your questions about AI-powered recovery

Product, AI agent, multi-channel, payment, security, pricing, integrations and sectors: find the answer to your question.

64 questions

Product

How does GetBill work?

GetBill automates amicable debt recovery through AI. You import your cases (API, SFTP or CSV), configure a multi-channel reminder workflow (AI call, SMS, email, registered mail), and the AI agent contacts your debtors autonomously. It negotiates payment plans, sends payment links and generates real-time reporting. Learn more

How quickly can GetBill be deployed?

Standard deployment takes less than a month. A pilot can be launched in a few days on a sample of cases, without heavy technical integration (CSV import possible). The GetBill team configures the reminder workflow, the AI agent tone and the payment connections.

Does GetBill replace a debt collection agency?

GetBill complements or replaces the amicable phase. It automates initial contacts (calls, SMS, email) and pre-qualifies cases. Collection firms use it to cover 100% of their portfolio, including small amounts that are unprofitable to handle manually. Teams focus on complex negotiations. Collection firms solution

What types of debts can GetBill handle?

Civil debts (rent, insurance premiums, subscriptions, loan installments) and commercial debts (B2B invoices). GetBill adapts its vocabulary, tone and compliance rules to each industry.

What ROI can I expect from GetBill?

The average observed ROI is 6.4x. A mortgage lender closed 62.7% of its cases without human intervention. An insurance broker multiplied its resolution rate by 4.6. Results vary by industry and debt age.

Is GetBill compliant with GDPR and the AI Act?

Yes. Data hosted in France (AWS Paris, ISO 27001), dedicated DPO, end-to-end encryption, DPIA completed. The AI agent is classified as limited risk under the EU AI Act. Security and compliance

Does GetBill treat first-time debtors differently?

Yes. First-time debtors (first missed payment) are handled with a softer tone and adapted reminder timing. The goal is to resolve the unpaid amount quickly while preserving the relationship, which yields the best resolution rates (up to 60% on first-time debtors).

Can the agent's tone and messaging be customized?

Entirely. The workflow, tone, vocabulary and rules of the AI agent are configured according to your industry, brand guidelines and regulatory constraints. You can preview and validate each workflow before deployment.

AI Agent

Does the debtor know they are speaking to a robot?

Yes. The AI agent identifies itself at the start of the call as a virtual assistant, in compliance with the EU AI Act. Less than 1% of debtors hang up at this announcement. Learn more

Is the AI agent aggressive in its reminders?

No. The agent uses a professional, empathetic and respectful tone. It detects situations of social vulnerability and adapts its messaging. The goal is to find a payment solution accepted by the debtor, not to put them under pressure.

Can the AI agent negotiate a payment plan?

Yes. The agent proposes installment payment plans (from 2 to 24 months depending on configuration) and immediately sends a payment link or a plan for electronic signature.

What happens if the debtor asks to speak to a human?

The agent offers a callback from a human advisor or a transfer depending on the client's configuration. The case is flagged for priority handling by your teams.

Can the agent handle disputes and objections?

The agent detects objections and qualifies them (disputed amount, reason, requested documents). It does not resolve the dispute but directs the debtor to the portal or the appropriate team and documents the exchange for your teams.

Does the agent handle inbound calls?

Yes. Debtors can call back the displayed number and the AI agent answers 24/7 to inform them of their situation, propose a payment plan or send a payment link. On a mortgage deployment, 14% of debtors spontaneously called back.

Multi-channel

Which channel is most effective for recovery?

Each channel has its strengths: SMS is read almost instantly, AI calls allow real-time negotiation, email formalizes the request. The multi-channel approach, combining these channels based on debtor profile, maximizes resolution rates. Discover the multi-channel solution

Can reminder workflows be customized?

Yes. Each workflow defines the number of waves, channels used, delays between each reminder and tone. You can create different workflows based on amount, age or debtor profile.

Which channels are included in each plan?

All channels (AI call, SMS, email, RCS, registered mail) are available from the Basic plan. The difference between plans is about credit volume, not channels. View pricing

Is the payment link sent automatically?

Yes. During the call, by SMS or email, the agent sends a personalized secure payment link (pre-filled amount, case reference). The debtor can pay immediately by card or set up a payment plan.

Can registered mail be sent via GetBill?

Yes. Registered mail with acknowledgment of receipt is integrated into reminder workflows (electronic LRE or paper). It is typically used in the last wave before escalation to legal proceedings.

Payment

Which payment providers are compatible?

GetBill integrates with Stripe, Axepta (BNP Paribas), CIC Monetico and Scellius. You can keep your existing PSP contract. Learn more

Can the debtor pay during the AI call?

The agent sends a payment link by SMS during the call. The debtor can pay immediately on their phone. Payment is confirmed in real time and the case updated automatically.

Are payment links secure?

Yes. Payments go through PCI-DSS certified PSPs. Links are unique, personalized and time-limited. No bank data passes through GetBill servers.

How do payment plans work?

The AI agent proposes a payment plan adapted to the amount and the debtor's situation (from 2 to 24 months). The plan can be signed electronically. Direct debits or payments are tracked automatically, with reminders for missed installments.

Is a separate PSP contract required?

Yes, you keep your own PSP contract (Stripe, Axepta, CIC Monetico or Scellius). GetBill connects to your account via API. If you don't have a PSP, we can help you choose and set one up.

Analytics

What KPIs are available in the dashboard?

Recovery rate, amount recovered, number of cases closed, pickup rate, hang-up rate, number of payment plans negotiated, performance by channel, aged balance. Discover analytics

Is reporting in real time?

Yes. The dashboard is updated in real time: every call, every payment, every accepted payment plan appears immediately. You can track campaign performance day by day.

Can results be filtered by campaign or period?

Yes. Filters available by campaign, period, channel, case status, amount, sector. You can compare the performance of different campaigns or periods.

How is payment attribution calculated?

Each payment is attributed to the corresponding case and campaign through unique payment link references. Attribution is automatic and traceable.

Can data be exported?

Yes. CSV, PDF or API export. Data is also accessible via the REST API to feed your internal reporting tools (BI, ERP, CRM).

Debtor portal

Is the portal white-label?

Yes. The debtor portal is fully customizable: logo, colors, domain name. The debtor sees your company's identity, not GetBill's. Learn more

Is the portal multilingual?

Yes. The portal supports French and English. Other languages can be added on request based on your needs.

What payment methods are available on the portal?

Card payments (Visa, Mastercard, CB) via your PSP (Stripe, Axepta, CIC Monetico, Scellius). Depending on configuration, the debtor can also set up a payment plan directly from the portal.

Can the debtor dispute a debt via the portal?

Yes. The portal includes a dispute form. The debtor can state the reason, attach documents and track the processing of their request. Your teams receive a notification.

Is the portal mobile-friendly?

Yes, the portal is fully responsive. It is designed mobile-first since most debtors access it via the SMS link on their phone.

Security & compliance

Where is data hosted?

In France, on AWS Paris infrastructure, ISO 27001 certified. AI subcontractors are governed by EU Standard Contractual Clauses. Security page

Is GetBill GDPR compliant?

Yes. Dedicated DPO, processing register, DPIA completed, compliant retention periods, data subject rights (access, rectification, deletion, objection) guaranteed. Contact: contact@getbill.io.

Are AI calls recorded?

Yes, with prior notice to the debtor. They can object to recording. Recordings are kept for 6 months then automatically deleted. Access on request. It is also possible to set a threshold to record only a portion of calls needed for service improvement (e.g. 40% of calls).

Is GetBill compliant with the EU AI Act?

Yes. Our system is classified as limited risk. We apply transparency obligations (AI identification at the start of the call) and document our AI processing (register, impact assessment).

Can I get a complete compliance file?

Yes. We provide on request a file including our security policy, certifications, DPIA, GDPR commitments and AI Act documentation. Contact us to receive it.

How can data subjects exercise their rights?

By email to contact@getbill.io. We respond within 30 days in accordance with GDPR. Debtors can also exercise their rights of access, rectification and deletion directly via the portal.

Pricing

How much does GetBill cost?

Three plans (Basic, Professional, Enterprise) from €200/month, with credit volumes adapted to your business. Detailed pricing on request. No setup fees, apart from custom development. View pricing

How does the credit system work?

Each action consumes credits: a completed AI call costs 25 credits, an SMS a few credits, an email even less. You only pay for actions actually performed.

Are unused credits carried over?

Credits are valid for the current billing period. Contact our sales team for rollover conditions or plan adjustments.

Can I change plans during my contract?

Yes. You can upgrade to a higher plan at any time. The change takes effect immediately with a prorated adjustment.

Are there setup fees?

No, apart from custom development. Setup, workflow configuration and deployment support are included in the subscription. A pilot can be launched with no commitment.

Is there a minimum commitment?

We offer no-commitment pilots to test the solution on a sample of cases. Contact us to define conditions adapted to your context.

Integrations

Which ERPs and software are compatible?

GetBill integrates via REST API, SFTP or CSV import. Native integrations: Pennylane (accounting) and major management software. Any software capable of exporting a file can connect to GetBill. View integrations

How long does an API integration take?

Standard API integration takes 1 to 2 weeks. CSV or SFTP import can be set up in a few days. Our technical team supports each integration. API documentation

Is data secured during transfer?

Yes. API over HTTPS with key authentication, encrypted SFTP. CSV files can be uploaded via the secure interface. No data is transmitted in plain text.

Can multiple PSPs be connected simultaneously?

Yes. You can configure different PSPs per campaign or debt type. For example, Stripe for online payments and Axepta for direct debits.

Is there a test environment (sandbox)?

Yes. A sandbox environment is available to test API integration, reminder workflows and payment flows before going to production.

Industry questions

How does GetBill handle tenants in social vulnerability?

The AI agent detects vulnerability indicators (housing benefit recipients, social housing funds, over-indebtedness situations) and adapts its messaging. It directs the tenant toward assistance programs rather than continuing reminders. Landlord solution

Is GetBill suited for social housing landlords?

Yes. GetBill handles first-time debtors with an adapted tone, integrates housing benefit detection and complies with obligations specific to social housing (CCAPEX, eviction prevention).

Does the agent know the 10-30-40 rule in insurance?

Yes. The AI agent integrates the regulatory deadlines of article L113-3 of the Insurance Code: formal notice at D+10 after due date, coverage suspension at D+30, possible termination at D+40. Reminders follow this schedule. Insurance solution

How does GetBill preserve the insured relationship?

The goal in insurance is to retain the policyholder, not just to recover. The agent uses a commercial tone, proposes payment solutions and avoids escalation that could lead to termination.

Does GetBill respect the winter truce and the Brottes law?

Yes. Reminder workflows are configured to respect the winter truce (November 1 to March 31) and the provisions of the Brottes law on protecting consumers in energy poverty.

Is GetBill cost-effective for small amounts (under €500)?

That is precisely its advantage. The cost per completed AI call is a fraction of the cost of a human call, making it profitable to recover debts from €50 to €500 that do not justify a human call. Collection firms solution

When do agency teams take over?

Typically at D+15. The first 10 days are fully automated (AI calls, SMS, email). After D+15, unresolved cases are escalated to your teams, pre-qualified with the complete exchange history.

Can GetBill handle volumes of over 1,000 cases?

Yes. The platform scales to any volume, whether a few dozen or several thousand cases processed simultaneously.

How to handle unpaid equipment or vehicle leases?

GetBill handles leasing defaults with an adapted workflow: progressive reminders, payment plan proposals, and escalation to legal proceedings if needed. The payment link is sent automatically.

Is GetBill suited for lending institutions?

Yes. A mortgage lender closed 62.7% of its cases without human intervention. The AI agent negotiates adapted payment plans and detects over-indebtedness situations. Lending solution

Does GetBill work for factoring?

Yes. GetBill contacts assigned debtors on behalf of the factor. The AI agent specifies that it is acting on behalf of the factoring company and handles assigned receivables with the appropriate vocabulary.

Can the AI agent manage a multi-site portfolio?

Yes. The agent adapts to each site (reference, contact, specific rules). A residential property company uses GetBill across multiple sites with daily SFTP integration and a bilingual FR/EN agent.

Can GetBill send reminders in multiple languages?

Yes. The AI agent is available in French and English. Reminder workflows (SMS, email, call) are translated and culturally adapted. Other languages can be added on request.

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