Everything it takes to turn “past due” into “paid.”
One engine, built around a single moment: the conversation where a consumer decides to resolve. Not a bundle of tools that happen to share a login.
What you control
- Settlement thresholds
- Discount rules by account age and balance
- Plan terms and limits
- Maximum counteroffers
- Escalation triggers
- State-specific scripts
Negotiation intelligence, bounded by your rules.
Alphi does the talking. Your rules decide the money. Every offer and counter comes from limits you set: the threshold, the floor, the number of tries, and when a person steps in.
A consumer proposes what they can afford, and Alphi checks it against your rules instantly. Above your threshold, accepted on the spot. Below it, a counter that never drops under your floor. Needs judgment? It goes to your team, full context attached.
- Day 0 · Welcome email with secure linkSENT 9:00 AM
- Day 3 · SMS reminderQUIET HOURS OK
- Day 7 · Settlement options emailGOAL: CHAT OPENED
- Cooldown · 14 days before re-enrollmentAUTO
The right message, the right channel, the right moment.
Ready-made email and SMS templates. Sequences driven by triggers and goals. Cooldowns that cap contact frequency, and quiet hours that follow each consumer’s local time. With a clean file and rules configured, you can go live the same day.
Then you see what’s working. Channel-level reporting shows what drives engagement on your accounts, and the next campaign starts from what worked on the last one.
The conversation ends in a payment, not a redirect.
This is the difference that defines Alphi. When a consumer agrees, they pay, right there in the chat. Debit and credit cards, ACH, and digital wallets. One-time payments, settlements, and recurring plans with flexible billing frequencies.
Consent captured, agreement signed electronically, receipt sent instantly. No payment link expiring in an inbox. No hand-off to another system. Nothing between “yes” and “done.”
- ✓State-aware messaging · Texas resident copy rendered
- ✓Required disclosures present on first contact
- ✓Quiet hours enforced · consumer local time
- ✓Consent + e-signature captured before agreement
- ✓Audit log entry #48,201 written
Compliance isn’t a layer on top. It’s built into every message, offer, and record.
State-aware messaging renders the right language for each consumer’s state of residence. Required disclosures appear where they must. Consent and e-signature are captured before any agreement takes effect, and a rule change never touches an agreement that already exists.
Global rules cascade to portfolios with a full inheritance trail. Every action lands in an immutable audit log. Built for FDCPA, Reg F, and state-level requirements, so your team can move fast and prove it later.
See every dollar, every message, every decision.
Real-time dashboards track payments, plan adherence, engagement, and campaign performance. Filter by portfolio, drill into any account, export in a click.
Tiered views serve the people who run the work and the executives who ask about it. You’ll never wonder what Alphi did today. It’s all there.
{
"name": "Q3 placements",
"file": "accounts_0826.xlsx",
"rules": "inherit:global"
}
201 Created · 4,218 accounts · campaigns ready
Built to connect, not to wall off.
Built to work alongside the systems you already run. Clean documentation, no rip-and-replace.
Your data flows in, your results flow back, and your existing stack keeps doing what it does well.
Ready to see the whole engine run?
Walk through a sample account with our team and watch every piece work together: the offers, the counters, the escalation, the payment, and the reporting behind it.