From “hi” to paid in one conversation.
Your consumers meet a friendly assistant, under your brand, that explains their balance, negotiates a resolution within rules you set, and takes the payment right there in the chat.
Your rules. · Your brand. · You pay more only when you collect more.
People don’t avoid paying.
They avoid the process.
Consumers walk away
They abandon resolutions they would have accepted, because the process made accepting them miserable.
Teams chase routine payments
Skilled people burn hours on balances that could resolve themselves, while real escalations wait.
Every manual touch adds risk
State rules, disclosures, timing windows. Every manual touch is one more thing to get right — and to prove later.
Alphi’s answer is a better conversation.
Alphi does the talking. Your rules decide the money.
Upload & launch
Alphi engages & negotiates
Payments land. You see everything.
Plans, settlements, and recurring schedules close inside the chat. Every message, offer, and dollar shows up in real-time dashboards.
One conversation, backed by a complete engine.
Not a chatbot bolted to a portal. Not a dialer with a payment link. Everything, engineered together.
AI Negotiation
Rules-driven offers and counters, with limits you control and an audit trail of every exchange.
Campaigns
Email and SMS sequences with triggers, goals, cooldowns, and quiet hours that respect local time.
Native Payments
Debit and credit cards, ACH, and digital wallets. Plans and settlements close inside the conversation.
Compliance Built In
State-aware messaging, disclosures, consent and e-signature capture, immutable audit trails.
Reporting
Real-time performance, filterable by portfolio, exportable in a click. Ready for the Monday meeting.
Open API
Built to work alongside the systems you already run. Clean documentation, no rip-and-replace.
We earn more only when you collect more.
Low entry cost. A transparent model. A structure that pays us the way you get paid: when accounts resolve.
Your brand. Your rules. Your words.
Alphi runs fully white-labeled. Your logo, your colors, your domain, your tone. Even the vocabulary adapts to your world: a bank’s customers are never “debtors,” and neither are anyone else’s. Built first for recovery operators, and for every business with past-due receivables: lenders, medical, utilities, telecom, SaaS.