Does the agent identify itself as a robot?

Yes, the agent introduces itself as a virtual agent, in compliance with the European AI Act.

What happens if the debtor is aggressive?

The AI detects aggression in real time (tone, pace, vocabulary) and adopts a calming tone. If the situation persists, the call is ended politely. The case is flagged with a summary for human handling.

Can the AI negotiate a payment plan?

Yes. The AI negotiates in real time according to your rules: maximum number of instalments, minimum amount, duration, frequency. It calculates the options, obtains agreement and sends an instant payment link. Confirmation by SMS and email, reminders before each instalment.

Can the debtor call back?

Yes. They can call back the dedicated number or access the debtor portal 24/7: view the debt, documents, online payment plan, online payment. Self-service reduces the workload on your teams.

How does the AI handle disputes?

The AI identifies the nature of the dispute through targeted questions and stops all reminders. A structured summary is escalated: reason, factual elements, recommended action. Your team handles the dispute with all the information.

AI Voice Agent

The AI agent that follows up and collects your debts by phone

GetBill is a SaaS platform for amicable debt collection powered by AI. Its voice agent calls your debtors, qualifies the reason for late payment, negotiates a payment plan and sends a payment link.

Used by social housing companies, insurers, credit institutions and equipment lessors.

Book a demo Listen to a call

35 to 40% answer rate

<1% hang up rate

40% cases resolved without human intervention

24/7 availability, weekends and holidays included

Case contextualisation

The agent adapts to your context. It follows the introduction message configured by your teams, then contextualises the call with case data: amount, reference, age, contact history.

Conversational call

The agent calls on behalf of the creditor and leads a natural conversation. It qualifies the reason: oversight, dispute, financial hardship. 35 to 40% answer rate, less than 1% hang up rate.

Negotiation and payment

Oversight: instant SMS payment link. Hardship: payment plan negotiated according to your rules. The debtor pays within seconds. The case updates automatically.

Agent Behavior

Configuration

No Answer Fallback

Persistence Level

Collaborative (1)

Higher levels mean the agent persists longer

Customize introduction message

Introduction message

Hello, good morning {{mr_mme}} {{nom}}. I am calling on behalf of {{societe_creanciere}}, you have an outstanding amount of {{montant}} {{devise}}. I am {{prenom_agent}}, a virtual collection agent.

Select a voice

Sarah

Listen

Warm and diplomatic female voice, 30 years old

Thomas

Listen

Clear and reassuring French male voice, 36 years old

Eva

Listen

Wise and soothing female voice, 36 years old

Maxime

Listen

Friendly and reassuring male voice, 30 years old

Maximum installment period

2 Months

Enable deadline reminders

PDF repayment agreement

Enable payment link

Payment method

Stripe

stripe Production Active

Send SMS

Hello {{prenom}} {{nom}}, we attempted to reach you regarding your debt of {{montant}} {{devise}}. Please call us back as soon as possible.

221 char. | 3.0 credits

Leave a voicemail

Voicemail message

Hello {{prenom}} {{nom}}, we attempted to contact you regarding your outstanding debt of {{montant}} {{devise}}. You can call us back.

Mr. Dupont

Unpaid rent — EUR 890

In progress

1:45

AI Agent Hello Mr. Dupont, I am contacting you regarding your January rent. Would you like to pay by card or set up a payment plan?

Tenant Can I pay in two instalments? Is that possible?

AI Agent Of course. I am sending you a secure link by SMS for a payment in 2 instalments of EUR 445.

3x installment

Mrs. Bernard

Insurance premium — EUR 1,240

In progress

2:10

AI Agent Hello Mrs. Bernard, I am calling about your unpaid car insurance premium. Did you receive our letter?

Policyholder Yes, I was actually about to call you. I can pay now.

AI Agent Perfect. I am sending you the secure payment link by SMS right away.

SMS sent Bank details updated

Conversational intelligence

Much more than a call bot

No fixed script. The AI agent understands context, detects emotions and adapts its strategy in real time. Dispute, financial hardship, simple oversight: it handles every situation.

Empathy and active listening: tone, pace and vocabulary analysed to adapt each response
Reason qualification: oversight, dispute, financial hardship, contestation, error
Personalised payment plan: instalments calculated according to your rules
Payment link during the call: secure SMS, card payment within seconds
Dispute escalation: reminders stopped, information forwarded to the creditor
Human escalation: immediate transfer on request or out of scope situation

AI Agent Dashboard

Real time capabilities

Voice recognition Active

Contextual analysis Active

Payment plan negotiation Active

Payment link sending Active

Vulnerability detection Active

Hot transfer to a manager Active

After hours phone reception Active

Compliance and ethics

Automatic detection of vulnerable situations

The AI detects vulnerability situations in real time. Over-indebtedness, distress, social hardship: reminders are stopped and the case is routed to human handling.

Essential for landlords and any creditor concerned with preserving the client relationship. Compliant with Banque de France recommendations.

Over-indebtedness detection: verbal indicators analysed in real time
Automatic pause: all reminders suspended upon detection
Immediate flagging: alert + structured summary sent to your team
Banque de France compliant: support for vulnerable debtors
Zero harassment: call frequency controlled, time slots respected, immediate opt-out

Vulnerability alert

Automatic detection

Situation detected

The debtor mentioned an ongoing over-indebtedness case and difficulties paying regular bills.

Automatic actions

Reminders suspended
Case flagged as vulnerable
Team notified by email
Call note available

Processed in 2 seconds after detection

Negotiation

Payment plans, promises, intelligent escalation

Real time negotiation, according to your rules. The AI calculates payment plans, records promises. If limits are exceeded, automatic escalation to a human advisor.

Configurable payment plans: instalments, minimum amount, maximum duration, frequency
Payment promises: commitments recorded, automatic reminders
Instant payment by SMS: secure card link sent during the call
Intelligent escalation: transfer to the right person with summary and recommendation
Confirmation and follow-up: SMS + confirmation email, reminders before instalments