Automate your overdue credit recovery with AI
GetBill contacts your borrowers from the first missed payment, qualifies the reason and negotiates a payment plan. 60% of completed conversations generate a payment commitment or instalment plan.
The recovery software for banks, financial institutions, fintechs and credit companies.
3 to 5% defaults in the portfolio, teams that can no longer keep up
Volumes are rising, hiring for phone-based recovery is difficult, and every case left untreated in the first 15 days sees its regularisation chances drop sharply.
The first 15 days are decisive
The sooner a borrower is contacted after a missed payment, the higher the chances of regularisation. After 2 months without contact, most cases escalate to legal proceedings. Every day without action is money lost.
Volumes exceeding your teams' capacity
3 to 5% defaults in the portfolio, thousands of cases to process each month. Collection firms struggle to recruit phone-based recovery agents, and your internal teams are no longer enough.
A tightening regulatory framework
Over-indebtedness registers, banking regulator requirements, CCD2 (November 2026): every interaction must be compliant and traceable. Regulators have flagged problematic practices at some institutions (up to 3 to 5 phone calls per day).
Recovery cost exceeds the margin
On micro-debts (BNPL, small credits from 50 to 500€), a human contact costs 5 to 15€. Recovery is no longer economically viable on these amounts with manual processes.
GetBill adapts to all credit types:
Act within 15 days, before the second missed payment
As soon as the missed payment is detected, GetBill triggers a progressive multichannel scenario. SMS, email, AI calls: each channel is activated at the right time to maximise regularisation before legal escalation.
- SMS with integrated payment link and certified RCS
- AI calls with progressive pressure graduation
- Mention of credit reporting risk on early defaults
- Automatic escalation to human agent with pre-qualified case file
Scenario: overdue credit instalment
An AI agent that qualifies, negotiates and resolves
The AI agent calls your borrowers, understands the cause of the missed payment and acts: instalment plan negotiation, payment link delivery, over-indebtedness detection. 60% of completed conversations generate a payment commitment.
- Qualification: forgotten, financial difficulties, dispute, already paid, fraud
- Instalment plan negotiation up to 24 months, per your rules
- Progressive pressure graduation based on responses
- Over-indebtedness detection and automatic reminder suspension
- KYC at call start (date of birth, postcode)
- Handover to agent with full summary and qualified reason
Let your borrowers self-resolve
Allow your borrowers to resolve independently: online payment and installment plan choice, 24/7, without involving your agents.
- Online payment and self-service instalment plan selection
- Bank details update (card, IBAN, direct debit)
- Dispute, error reporting and appointment booking
- Appointment scheduling system with your account managers
- Inbound calls handled by AI agent evenings and weekends
- Available in 160 languages, web and mobile
40% of your cases resolved without human intervention
Estimate the time and money GetBill frees up for your teams.
* Calculation basis: 20 min/case resolved without human, 10 min saved/pre-qualified case, 151.67 h/month per FTE, average fully loaded salary 35,000€/year, GetBill cost 1€/case
What recovery teams are saying
Banking regulator, GDPR, AI Act compliant. Connected to your tools.
Hosted in France, bank-level encryption, full exchange traceability, financial vulnerability detection.
Every recovered instalment avoids legal proceedings
Start with a POC of 200 to 500 cases via CSV import. Measure results before connecting the API.
Frequently asked questions
They integrate with GetBill
