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AI-native platform for collections communication

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

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The window that changes outcomes.

  1. Day -5

    Pre due date reminder

    A timely heads-up

  2. Day 0

    Invoice due

    Clear path to pay

  3. Day +4

    Early reminders

    Keep payment moving

  4. Day +35

    Late reminders

    Drive final action

From Day −5 to day +35 — a typical flow, in the window where communication still changes the outcome. Timing differs by market, so we adapt it to yours. Customers get a clear path to pay.

AI capabilities

AI built for collections. Not adapted for it.

  1. Orchestration

    Coordinate every channel and step so the right action happens at the right time.

  2. Channels

    Bring voice, SMS, RCS and email into one coordinated customer journey.

  3. Chat with your data

    Turn campaign and payment data into answers, insights and better decisions through conversational AI.

  4. AI campaigns

    Use AI to turn an objective into campaign structure, messaging and next-best actions — with human control built in.

  5. A/B automation

    Continuously learn what works and use the results to improve timing, messaging and channel selection.

Trained on payments. Not messages.

Sunlit modern office corridor

Since 2008, every flow has fed one dataset: what makes a debtor pay — by segment, channel, timing and tone. That data is proprietary and anchored in conversions. It compounds — and it's why our benchmarks are hard to copy.

Smarter collections strategy. Faster payments. Stronger recovery.

Three outcomes we move. Measured, not promised.

Recovery

>30%

Increased payment conversion rate

40%

Roll-rate reduction

Time

>7 days

Faster to payment

>60%

Conversion rate among reached debtors

Cost

~50%

Reduced operational cost

40%

Lower inflow to manual handling

Connect once. Built for compliance.

  • Integration

    Send data securely via API or SFTP. Get status and results back through webhooks — built to fit into your existing processes.

  • Data protection

    Encrypted, EU-hosted and GDPR-ready, with configurable retention and anonymisation built into the platform.

  • Audit trail

    Every customer interaction is timestamped and traceable, giving you a clear record of what happened, when and through which channel.

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

Showing customer case 1 of 3

Frequently asked questions

Wiraya helps you reach customers with unpaid invoices, guide them towards action and improve payment outcomes. We orchestrate customer journeys around your existing collections process, combining automation, communication and continuous optimisation.

Wiraya is not an SMS gateway or communications API. We work with the full payment journey: when to contact a customer, what to say, what happens next and how the journey should adapt based on customer interaction. The focus is on payment outcomes, not message volume.

You send case data to Wiraya via API or SFTP. Interaction and delivery data can be returned through webhooks and used in your existing processes. Wiraya complements your current systems rather than replacing them.

It depends on your data, processes and the journeys you want to run. We start by agreeing on the use case, data flow and communication journey, then configure and test it together before going live. You do not need to replace your existing collections or invoicing system.

Data is encrypted, hosted in the EU and handled with GDPR requirements in mind. Retention and anonymisation periods can be configured based on the customer's requirements, and interactions are logged to provide traceability.

AI is used where it can improve how campaigns are created, analysed and optimised. Some capabilities can support our teams internally today, while others are being developed towards more customer-facing use. Core journeys and orchestration do not depend on AI and can also be controlled through rules and case data.

See the platform on your own numbers

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