WhatsApp replies, understood
When a debtor replies, the AI works out what they mean: a promise to pay, "I already paid", a dispute, the wrong person, or STOP. Promises are recorded, opt-outs respected, and the rest goes to your team.
Get paid without chasing.
AI debt collection for South African businesses. mobiCollect works through your overdue accounts by phone call, WhatsApp and email. It records the promises debtors make, sends them a way to pay, and hands you only the conversations that need a person.
- No monthly fee: pay per call minute and message
- Starts in dry run: nothing is sent until you go live
Acme TradingWhatsApp
Hi, how much is outstanding on my account?
The balance on your account with Acme Trading is R4,250.00. Would you like the payment link? Reply YES and we will send it.Ref MC-K7Q2P
Yes please
You can pay R4,250.00 here: pay.link/MC-K7Q2P
It shows how to pay, with your reference.
AI call · Thabo M.Answered · 1:28
Goal reached
Promised R9,000.00 by Fri 31 Oct
Needs a humanSays they paid by EFT on Friday · check your bank
Built for how South African businesses get paid.
- R4,250.00 Amounts in rand Balances, promises and pay links, to the cent
- Ageing report.xlsx Imports Xero's ageing report Or our template, as CSV or Excel
- Ref MC-K7Q2P Paid by EFT into your account Debtors pay you directly, with their reference
- You can pay here WhatsApp, where debtors already are Alongside AI calls and email
- 08:00–18:00 SAST Your quiet hours, your time zone Nothing goes out while your quiet hours are on
From an ageing report to money in the bank.
Set it up once. mobiCollect follows your rules every day, and tells you when a person is needed.
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Load your debtors
Upload Xero's Aged Receivables Summary, or our template, as CSV or Excel. A preview shows new, changed and unchanged accounts before anything is saved. Then add their contacts the same way.
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Set your collection policy
Choose what happens for each age of debt: a friendly WhatsApp on day 1, an email, a firmer reminder, an AI call. Set quiet hours, a weekly limit and a threshold for large accounts.
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mobiCollect works the list
Reminders go out with each debtor's own pay link and reference. The AI agent calls, agrees a payment date, and records it. Replies on WhatsApp are read and acted on.
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You handle the exceptions
Disputes, "I already paid", broken promises and anything unclear land in Needs a human, with the whole conversation, so your team only spends time where it matters.
Everything a credit controller does, on repeat.
An AI agent that calls for you
Your own agent, with its own name and voice, calls debtors from your caller ID. It looks up the account, agrees a date or a payment plan within your rules, records the promise, and can put the debtor through to your team.
- It says it is an AI and that the call is recorded
- Every call kept: summary, transcript and recording
- Call now from any debtor's page, or let the policy decide
AgentHi Thabo, I'm calling from Acme Trading about R9,000 on your account. I'm an AI assistant, and this call is recorded.
ThaboI can settle it at month end.
Promise recorded · R9,000 by 31 Oct
AgentThank you. I've noted R9,000 by Friday the 31st. You'll get the payment link on WhatsApp.
Simple questions answered
Switch it on and debtors asking what they owe get their balance from your records, and the payment link when they want it. The wording is fixed: the AI only recognises the question.
A pay page for every debtor
Every reminder links to the debtor's own page with your bank details and their reference, and a button to tell you they've paid. Money goes straight to your account; mobiCollect never holds it.
Promises kept track of
Reminders hold while a promise is open. If the date passes unpaid, the promise is marked broken, your team is told, and reminders carry on by themselves.
Results you can trust
About one in ten accounts is set aside as a control group that gets no automated contact, so "collected with no human touch" on your home page shows what automation really recovered.
Your team, kept in the loop
Admins and agents, each with their own sign-in and two-step verification. Push notifications on phone or desktop when a promise is made, an online payment comes in, or a debtor needs a person.
Nothing goes out until you say so.
New accounts start in dry run: messages and calls are drafted, never sent, so you can see exactly what your debtors would get. When you go live, your rules still apply to every message and call, including the ones your team sends by hand.
- Quiet hoursNo messages or calls overnight, in your time zone
- Weekly limitThe most contact any one debtor gets in 7 days
- Opt-outsSTOP always works, per contact and channel
- Pause any accountOr send a reminder, or run the next step, now
Pay for what you use. No monthly fee.
Top up a prepaid wallet by EFT and usage comes off it as it happens. Every top-up gets an invoice, and you get a statement each month.
Standard
To get started
- AI agent
- R3.50/ minute
- Phone line
- R0.69/ minute
- R0.50/ message
- R1.00/ message
Top up from R250
Create an accountGrowth
Lower rates for more volume
- AI agent
- R3.00/ minute
- Phone line
- R0.45/ minute
- R0.35/ message
- R0.50/ message
Top up from R500
Create an accountScale
Best rates, for 300+ active debtors
- AI agent
- R2.75/ minute
- Phone line
- R0.40/ minute
- R0.35/ message
- R0.20/ message
Top up from R2,500
Create an accountNeed a custom package?
Larger volumes, several companies under one account, or pricing for your own clients. Tell us what you need and we'll put a package together.
An AI call is billed for the agent's minutes and the phone line's minutes together: a 2-minute call on Standard is R8.38. Calls and messages stop automatically when your wallet runs out, so there are no surprise bills.
Good to know.
Does the AI pretend to be a person?
No. Every call starts with the agent saying it is an AI assistant calling on your behalf, and that the call is recorded. If a debtor asks for a person, the agent can put them through to your team.
Where does the money go?
Straight to your own bank account. The debtor's pay page shows your bank details and their reference, and they can tell you when they've paid. mobiCollect never holds your debtors' money.
Do I need Xero?
No. Xero's Aged Receivables Summary imports directly, but any accounting system works with our CSV or Excel template, and you can add debtors one at a time.
Can I try it without contacting my debtors?
Yes. New accounts start in dry run: every message and call is drafted and shown to you, but nothing is sent and nothing is charged. We take you live when you're ready.
What happens when a debtor says they've already paid?
They're thanked, reminders stop for that account, and it goes to Needs a human so your team can check the bank and record the payment.
What if a debtor doesn't want to be contacted?
Replying STOP opts them out straight away, and the AI agent records an opt-out when one is asked for on a call. Opted-out contacts are never messaged or called again on that channel.
How do I see what's working?
Your home page shows what was collected with no human touch, active and broken promises, and what's outstanding by age. Every account has its full history: calls with recordings, messages with delivery ticks, and payments.
Spend your time on the accounts that need you.
Create an account, load your ageing report and see in dry run exactly what your debtors would get.