Help customers catch up, on terms you set.
Your past-due customers are still your customers.
Alphi starts the conversation as an extension of your business, offers the options you’ve approved, and takes payment in the same conversation.
When a customer needs a person, your team steps in.
Live same day with a clean file and configured rules.
What you control
- Settlement thresholds
- Discount rules by account age and balance
- Plan terms and limits
- Maximum counteroffers
- Escalation triggers
- State-specific messaging
The bill went out.
The balance is still there.
People don’t avoid paying. They avoid the process.
Alphi is the conversational AI recovery platform for first-party collections: the balances your customers owe you directly, before they’re charged off or placed with an agency.
Your customers work it out on their own time. They see the options you’ve approved, choose one, and pay in the same conversation. No phone call to make, no callback to wait for.
The relationship stays at the center.
How Alphi works a first-party account.
Your rules decide the money.
Set the payment plans you’ll offer, the settlements and discounts you’ll allow, and the limits on counteroffers. Alphi works within those rules. Hardship, disputes, and conversations that meet your escalation criteria go to your team.
The payment happens in the conversation.
When a customer picks an option, they review the terms, complete the agreement, and pay without leaving the thread. Cards, ACH, and digital wallets; one-time or on a plan.
Compliance support, built in.
Following up on your customers takes care. Alphi helps your team apply the controls your program requires — state-aware messaging, configured disclosures, quiet hours — and keeps consent, e-signature, and the conversation on the account.
Reporting your team can use.
Track account activity, payments, and plan progress. Open any account to read every conversation. Filter, drill in, and export what you need.
Different businesses. Customers who need a way forward.
A patient balance. A household utility bill. A missed loan payment. The details differ, but each starts with someone who owes your business and needs a way to resolve it.
See a past-due account go from hi to paid.
Walk through a sample account with our team, start to finish. Then we’ll talk about where to start: one location, one group of accounts, or balances at a particular age.