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Debt Collection Agencies

More recovered. Lower cost per case.

One platform that reaches debtors, moves them to pay, and proves it — payment by payment.

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Your margin is set by cost to collect.

Portfolios grow. Headcount can't. Every manual dial, every unanswered letter, every case that ages, is margin lost.

AI capabilities

Capabilities that matter here

  1. Automated journeys

    Automate high-volume outreach and move each case forward based on what happens next.

  2. Case-based journeys

    Use the data you already have to tailor timing, messaging and next steps for different cases.

  3. Easy path to payment

    Make it simple for customers to understand what they need to do and move directly towards payment or resolution.

  4. Real-time outcomes

    Get delivery, interaction and campaign outcomes back as they happen — ready to feed into your existing processes.

Automate the volume. Qualify the calls.

Wiraya handles the outreach that doesn't need an agent, ~70% of debtor actions happen with no agent involved. The ~12% who want to talk reach your team as warm, motivated calls.

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  • <6%

    Cost to Collect

  • >60%

    Conversion rate among reached debtors

  • 40%

    Lower inflow to manual handling

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

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See what 40% off your cost to collect looks like

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