Collections
Reminds every customer of their overdue invoice, sends the payment link and treats the payment as received only once the gateway confirms it.
An AI agent for collections reviews your receivables, writes to every customer with an overdue balance and stays with them until they pay. In Meteor, a scheduled task lists the overdue invoices in Alegra or Siigo, matches each one with the customer’s WhatsApp contact and schedules the reminder with a Meta-approved template, which is the only permitted way to write first to someone who has not chatted in more than 24 hours. When the customer replies, the Met clears up the balance with the invoice open, sends the Wompi payment link (PSE, Nequi or card) or the Mercado Pago one, and treats the payment as received only when the gateway reports it approved. Your team records the payment against the invoice from the web platform: the accounting connector refuses that step to a channel Met. It makes no phone calls and does not decide who to stop selling to.
In total, 69 real tools across those connectors, counted from the public capability registry. It uses the ones from the systems you connect.
Checking who owes, finding their number, writing to each one and writing again the following week gets left for when there is time. And when the customer says they already paid, somebody has to check before believing it.
The collections Met turns overdue receivables into conversations: it writes with the approved template, clears up the balance, sends the payment link and leaves your team the case ready to record.
Before and after
Nobody reviews receivables until the end of the month.
A scheduled task lists the overdue invoices at the hour you set, without anyone opening the accounting system.
The collection message is the same for everyone, or never goes out.
The task splits by age: you do not write the same way to someone three days late as to someone three months late.
After 24 hours, WhatsApp will not let you write to the customer.
The reminder goes out with a Meta-approved template carrying the invoice number, the balance and the due date.
The customer wants to pay and has no way to do it right there.
It sends the Wompi link for PSE, Nequi or card, or the Mercado Pago one, in the same conversation.
“I already paid” is not a confirmation.
With Wompi or Mercado Pago the payment counts once the gateway reports it approved; with a bank transfer, the receipt is noted so your team can verify it.
What it does
Tasks this Met runs
Each one with its steps, the tools it uses at every step and what it does not do.
Collections and receivables
How do I charge over WhatsApp without sending people to another app or asking for card details?
Sales
Collections and receivables
How do I collect overdue invoices over WhatsApp without reviewing the ledger by hand?
Finance and operations
Collections and receivables
How do I collect by PSE or Nequi from WhatsApp with Wompi?
Sales
Collections and receivables
How do I confirm to a customer on WhatsApp that their Fintoc payment came in, without opening the dashboard?
Customer service
Collections and receivables
How do I confirm on WhatsApp that a customer's transfer arrived, if my bank is connected to Clay?
Customer service
Collections and receivables
How do I answer on WhatsApp how much a client owes me without opening FreshBooks every time?
Finance and operations
Collections and receivables
How do I tell a customer on WhatsApp how much they owe me without opening Pennylane?
Finance and operations
Related pages
“This has allowed us to reduce our operational load by 40%.”
CrayOne
Financial services
Customer evidence
First-person customer stories, with the source and the limits of each case kept visible.
CrayOne, a lender to credit-reported borrowers, runs collections, sales and service with AI agents and says its operational load fell 40%.
CrayOne team· Lending to credit-reported borrowers
Read the customer caseFAQ
In Meteor, the collections Met does it (if your receivables are in Alegra, Legra, the team’s accountant, can carry that work). A scheduled task lists your overdue invoices in Alegra or Siigo, matches them with each customer’s phone number and schedules the WhatsApp reminder with a Meta-approved template. When the customer replies, the Met clears up the balance, sends the Wompi or Mercado Pago payment link and confirms the payment with the gateway. What it does not do: record the payment in your books from the chat, make phone calls or decide who to stop selling to.
Not from the chat, and it is not a setting you can switch on. The Alegra connector refuses to record payments and the Siigo connector refuses the cash receipt when a channel Met asks for them. The Met leaves the case ready (which invoice, how much and with what receipt) and someone on the team records the payment from the web platform, on the same connection.
If they paid with the Wompi or Mercado Pago link, the Met checks the transaction with the gateway (on Wompi, with the transaction number the customer sees when paying) and only treats it as paid once the gateway reports it approved; a screenshot does not count. If they paid by bank transfer, the Met opens the invoice to confirm the balance, notes the receipt in the conversation and your team verifies it against the bank.
Law 2300 of 2023 says that collectors may only contact consumers through the channels the consumer authorizes (article 2) and within set hours: Monday to Friday from 7:00 a.m. to 7:00 p.m. and Saturdays from 8:00 a.m. to 3:00 p.m., with no contact on Sundays or public holidays, and not through several channels in the same week or more than once on the same day (article 3). In Meteor you decide when the collection task runs, which channel it uses and how often; fitting that to the law is your business’s decision, and worth reviewing with your legal advisor. Source: the text of the law at secretariasenado.gov.co, checked on October 28, 2026.
Yes, and it is the sensible way to start. The invoice listing filters by customer and by date range, so the task can begin with the oldest receivables or with one group of customers. And if you would rather have a person approve each message before it goes out, the task leaves the list ready with the proposed text for review.
Every implementation includes discovery, setup and tuning during the ramp-up. After that, each Met’s quality is measured by sampling: an automated judge reviews a sample of its conversations and scores the support it gave, and the activity tab shows what each Met did, with which tool and at what cost. If something is not working the way you expected, we review it with you using that data and adjust until it is running.
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