Get paid. Faster.

From debt to payment faster with AI-driven collection management. For debt collection agencies and consumer credit providers.

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Trusted by financial institutions across Europe

Activity is easy to measure. Payment is what counts.

Messages sent. Emails opened. Flows triggered. None of it matters if the payment doesn't happen. Most tools optimise the process. Wiraya is built for the outcome — recovery, time to payment, cost to collect.

AI that runs your debtor communication. End to end.

Wiraya orchestrates voice and text around each debtor — right channel, right moment, right message. Proven collections strategy, executed by AI, refined since 2008.

Talk to our team

>30%

Increased payment conversion rate
>7 days

Faster to payment
~50%

Reduced operational cost

Connect once. We do the rest.

Trigger

Cases flow in from your system, via API or SFTP.
Orchestrate.

AI sets channel, timing and message per case.
Engage.

Voice and SMS, with automatic fallback and escalation.
Get paid.

Customer actions flow back to your system in real time.

Explore the platform

Live today. GDPR-native. No lists, no Excel.

Where do you collect?

Consumer Credit

Paid faster, fewer cases rolling to collections — and customers who stay customers.

Explore Consumer Credit
Debt Collection Agencies

More recovered per case, at lower cost. Automation does the volume; your agent take only warm, qualified leads.

Explore DCAs

PayEx made payment collection more efficient – helping customers take action while giving agents more time to focus where they're needed most. Debt-collection flow in Sweden.

x2

ROI (200%)

Together with Wiraya, we have automated our outbound calls in a highly effective way. This allows our agents to focus on providing the best possible service to customers. Thanks to Wiraya's platform, we can also monitor and adjust the volume of incoming calls in real time, helping us optimize our team's staffing and workload.

Rasmus Nordborg

Product Manager PayEx

Ikano Bank automated its payment reminder process, creating a more efficient workflow and better customer experience.

30%

Reduced operational cost
90%

Reached customers
45%

Payment Conversion rate
10 days

Payments resolved after most recent contact

When it comes to the number of customers paying, we see better results compared to when we had students making the calls. But what we primarily see as an improvement is that we are much more resource-efficient internally. We've saved enormous resources at Ikano Bank. And because of that, we've gained a lot on the cost side. Our previous solution incurred much more internal costs for us.

Malte Berg

B2C Services Specialist (Nordics) Ikano Bank

DNB Finans implemented an effective payment reminder strategy and improved overall payment rates.

>90%

Reached customers
77%

More paid invoices

With Wiraya, we can tackle the challenge of really reaching out with important customer information. Now that we do, we can help more customers than before to quickly pay their missed invoices. Customers also appreciate getting personalised service and we at DNB are positively surprised by the good conversion. With Wiraya, we get 77% more paid invoices compared to the previous postage reminder.

Johan Ernow

Head of Debt Collection DNB Finans

Showing customer case 1 of 3

Ready to get paid faster?

See how Wiraya can improve customer reach, accelerate payment, and reduce operational effort.

Book a demo

Get paid. Faster.

Messages sent. Emails opened. Flows triggered. None of it matters if the payment doesn't happen. Most tools optimise the process. Wiraya is built for the outcome — recovery, time to payment, cost to collect.

AI that runs your debtor communication. End to end.

Connect once. We do the rest.

Trigger

Orchestrate.

Engage.

Get paid.

Where do you collect?

Consumer Credit

Debt Collection Agencies

Ready to get paid faster?