AI + PayNow AI collections with artificial intelligence: speak, search, and pay with PayNow + ELP

Developers
Business Enterprise
AI Collections · PayNow + ELP

AI Collections: smart collections powered by artificial intelligence.

PayNow is collections with artificial intelligence that understands, reminds, and collects for you. Automate collections with a voice portal, WhatsApp, SMS, email and conversational calls, and always settle with ELP — with your brand up front.

I want AI collections See how it works
  • AI in the portal: customers speak or search and pay with less friction
  • AI in follow-up: WhatsApp, SMS, email, and calls that close
  • ELP settles: smart collections end to end, with full traceability
Real call · PayNow + AI

Listen to a REAL call!

This is conversational collections: AI speaks, agrees, and leaves the commitment ready in the panel.

Recording of a real AI collections call · PayNow

Try the User Experience
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Real callAgreements ready in the panel
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Powered by AISpeak. Search. Pay.

AI collections — by voice, phone, WhatsApp, SMS or email

Voice AI portalObligationsCheckout ELPWhatsApp Business SMS TwilioE-mailAI callsCampaigns Payments panelFeedbackAPIsAudit
Who is it for?

AI for those who collect — and those who pay

PayNow is AI-powered smart collections: less manual work, more closed commitments, and a modern experience for your customer, always settling with ELP. AI calls your customer by phone, reaches payment agreements, and leaves them ready in the panel; it also sends payment reminders by E-mail, WhatsApp, and SMS.

Merchants & companies

Branded payment portal, organized obligations, and ELP collections — no more spreadsheet chaos.

Collections teams

Scripted calls, date commitments, and automatic feedback. Fewer “the customer said…” moments with no proof.

Operations / IT

APIs, webhooks, security, and control in one place. Connect your ERP or CRM and keep collecting with ELP.

End customers

Pay by speaking, searching a reference, or using a clear link — no friction.

Visual demo · WhatsApp & SMS

We send the link. They click. They land on PayNow.

The same reminder can go by WhatsApp or SMS: we send the obligation, the amount due, and a link. The customer taps it and enters the PayNow portal to complete payment with ELP.

  • WhatsApp or SMS: pick the channel; the message includes obligation and amount.
  • One click: the link opens your branded payment portal.
  • Same settlement: PayNow + ELP close the collection without friction.
Try the click → PayNow portal See more demos
Where PayNow wins big

Collections with artificial intelligence for recurring payments

Wherever there are installments, HOA fees, memberships, or periodic billing, PayNow + AI speeds up collection and shrinks overdue balances.

Real estate

Rent, fees, and clear installments by reference. Timely reminders and payment from your branded portal.

Residential complexes

HOA / condo fee management, delinquencies, and payment commitments — with evidence on every contact.

Service companies

Periodic invoices, receivables, and multi-channel follow-up without overloading your ops team.

Subscriptions

Plans, renewals, and monthly obligations organized: customers pay easily and you see status instantly.

Gyms

Memberships and pending dues with WhatsApp, SMS, or email reminders — settled with ELP.

And more verticals

Schools, clinics, clubs, utilities, and any business with recurring obligations that needs frictionless collection.

Real estate Residential complexes Service companies Subscriptions Gyms + recurring collections

AI collections: turn obligations into real payments by voice, phone, WhatsApp, SMS or email — and always settle with ELP.

AI-powered capabilities

The full collections cycle, powered by artificial intelligence

From debt to approved money: AI supports the portal, follow-up, and voice; ELP settles — without fragmenting channels or reconciliations.

Public payment portal

Your customer opens a page with your brand, can speak or type their reference, see only what is payable, and pay in one click on the ELP checkout.

“Pay the way you speak: say your reference and PayNow + ELP do the rest.”

Obligations

Every charge is clear: who, how much, due when, references, and status. Ideal for portfolios, installments, rent, and recurring bills.

“Organize and collect from one place.”

Collections with ELP

PayNow delivers the experience; ELP settles. Payment links, status return, and a full record of what was collected — with the same trusted provider.

“Together they close the loop.”

Payments panel

Filters, search by name, ID, phone or amount, payment detail, and Excel export for finance or audit.

“Search the way you think. Find it now.”

Multi-channel reminders

Four channels in one click: templated E-mail, WhatsApp Business API, SMS with Twilio, and AI phone calls — with send history and export.

“Multiply collections without multiplying effort.”

Conversational calls

Closed scripts with your company voice: the system picks approved lines, understands date commitments, and keeps a record of every conversation.

“Collections that listen — and leave a record.”

Phone campaigns

Orchestrate outreach across your portfolio with time windows, configurable pace, and a live panel while the campaign runs.

“Stop dialing one by one.”

Your own brand

Logo, color, portal, and voice with your company identity. Customers feel they are paying you, not a generic brand.

“Your brand up front. ELP behind.”

APIs & webhooks

Connect your ERP, CRM, or own portal. Notifications when a payment completes or fails — without locking you into a silo.

“It doesn’t lock you in: it powers you up.”

Feedback & audit

Portal comments, call outcomes, commitments, and team activity. When someone asks “who did what?”, you already have the answer.

Production-grade security

Protected access, two-step verification, session history, and controls built for teams that move money and sensitive data.

“Collecting well also means protecting the channel.”

AI that serves collections

Understands what the customer says, speaks with your brand voice, and picks the right scripted reply — useful, not theatrical.

“Less awkward silence, more closed commitments.”

Portal with your brand WhatsApp Business API SMS Twilio E-mail with templates Voice conversational ELP always settles
The technology that powers PayNow

Xeretron AI Server · xeretron.com

All of this technology is powered by Xeretron. Portal voice AI, conversational calls, customer understanding, and your brand voice run on Xeretron: private artificial intelligence in your own environment — no tokens, no usage limits. PayNow delivers the collections experience; Xeretron powers the AI brain; ELP settles.

Local voice & AI

Speak, listen, and respond in the portal and on calls, with models under your control.

Privacy by architecture

Collections data and conversations that can stay on your infrastructure.

No tokens or limits

Installed capacity to run campaigns and assistants without metering every interaction.

Integrated with PayNow + ELP

One flow: AI that converses, a portal that collects, and a gateway that settles.

Discover Xeretron AI Server ↗
Typical journey

From debt to money, powered by AI

This is what a collections month looks like when PayNow AI and ELP work together.

1

Load the obligations

Upload the month’s portfolio: references, amounts, due dates, and contacts.

2

Remind across four channels

E-mail, WhatsApp Business, Twilio SMS, and AI phone calls reach those who have not paid — with your brand templates.

3

The customer pays in the portal

They say or type their ID, select what is due, and pay with the ELP checkout.

4

Non-responders get a call

With your voice and a clear script. If they say “I’ll pay in 10 days”, PayNow logs the commitment.

5

Finance exports and your system is notified

Payments and feedback to Excel; your ERP or CRM is notified instantly.

Activate AI-powered collections
Benefits

Why AI collections change your operation

Higher conversion

Voice + search + ELP checkout in one flow. From microphone to approved money.

Less operational load

Reminders and campaigns automate follow-up without multiplying the team.

Better portfolio quality

Commitments con fecha, no promesas vagas. Cada conversación deja huella útil.

Your own brand

Portal and voice with the merchant’s identity. True white-label.

Integrable

APIs & webhooks para tu ecosistema. Potencia lo que ya tienes.

Secure & auditable

Protected access, full history, and exports when audit asks.

“Speak. Search. Pay. PayNow + ELP.” “Your brand up front. ELP behind.” “Clear obligations. Timely reminders.”
Frequently asked questions

AI collections and artificial intelligence, clearly

What is PayNow AI collections?

PayNow is collections software with artificial intelligence: branded voice payment portal, organized obligations, multi-channel reminders, conversational calls, phone campaigns, payments panel, APIs, and settlement always with the ELP gateway.

What is Xeretron and how does it work in PayNow?

Xeretron is the AI Server that powers PayNow’s AI brain: portal voice, conversational calls, customer understanding, and your brand voice. It is private artificial intelligence in your environment, with no tokens or usage limits. In the flow: PayNow delivers the collections experience, Xeretron powers the AI, and ELP settles. More at xeretron.com.

Does PayNow replace ELP?

No. PayNow delivers AI collections; ELP is the collection engine. Together they close the loop: from obligation to settled money, with full traceability.

How does the end customer pay?

They enter the public portal with your brand, can speak or type their reference, see only what is payable, and pay on the ELP checkout. They can also arrive via a WhatsApp or SMS link with the obligation and amount.

Which reminder channels are included?

Four channels in one click: templated E-mail, WhatsApp Business API, SMS with Twilio, and AI phone calls, with send history and Excel export.

Who is PayNow for?

For merchants, collections teams, operations/IT, and end customers. It shines on recurring collections: real estate, residential complexes, service companies, subscriptions, gyms, and similar verticals (schools, clinics, clubs, utilities).

What does a typical collections journey look like?

You load the month’s obligations; remind across the four channels; the customer pays in the portal; those who do not respond get an AI call; finance exports and your system is notified via APIs or webhooks.

Do AI collection calls invent promises?

No. You use a closed script with phrases approved by your team. The system chooses among authorized lines, logs date commitments, and keeps evidence of every conversation.

Can I run mass phone campaigns?

Yes. You orchestrate contact across your portfolio with a time window, configurable pace, and a live panel while the campaign runs — no dialing one by one.

Does PayNow use my brand?

Yes. Logo, color, portal, and voice with your company identity. Customers feel they are paying you; ELP settles behind the scenes.

Can I integrate PayNow with my current system?

Yes. With APIs and webhooks you connect your ERP, CRM, or own portal to create obligations, check payments, and get notices when a collection completes or fails.

What control and security does it include?

Payments panel with filters and Excel export, call and commitment feedback and audit, protected access, two-step verification, and session history — built for teams that move money and sensitive data.

Can I try the user experience?

Yes. On the page you can listen to a real call, see WhatsApp and SMS visual demos, and open the PayNow demo portal to walk through payment end to end.

Contact

Activate collections with artificial intelligence

Tell us about your portfolio. We’ll show how PayNow uses AI in the portal, reminders, and calls — through to the ELP checkout.

  • ✉
  • 💬 Support in English & Spanish · Mon–Fri, 8:00–18:00 (GMT-5)
  • ⚡ AI collections with artificial intelligence
  • 🛡 Settlement with ELP · full traceability
PayNow + ELP: AI-powered smart collections, end to end. Your brand up front. AI in the middle. ELP settles behind.
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Live demo

Other places to try the user experience

Explore PayNow from this same page: listen to a real call, preview WhatsApp or SMS, or open the payment portal and go through the full experience — speak, search, and pay with ELP.

WhatsApp / SMS demo

See how we send the link with the obligation and amount by WhatsApp or SMS; one click lands on PayNow.

View visual demo

Listen to the real call

Go back to the hero and play the recording of a conversational AI collections call.

Go to the player

Real estate portal

Try the branded public portal: say your reference, select obligations, and pay with ELP.

Try the experience

Residential complexes

The same user flow applied to HOA fees and condominium receivables.

Try the experience

Gyms and subscriptions

Ideal for memberships and recurring charges: search, select, and complete the payment.

Try the experience

Service companies

Periodic invoices and clear obligations: the payment experience ready for your end customer.

Try the experience

Direct demo access

Open the full experience in a new tab and walk through the PayNow payment assistant.

Try the User Experience
Complement PayNow

Other solutions in the ELP suite

Web Checkout, Links & QR

Payment page, links, and QR with your brand for e-commerce and counter.

Explore the solution