- Solution
- Payment Reminders
Payment reminders matched to how each account responds.
For accounts that are still current, with a payment coming due. Each customer gets the reminder that has worked for them before, not one schedule for the whole portfolio.
In short: KredosAi sends payment reminders matched to what has worked for each account before, instead of one reminder for the whole portfolio. Our collections experts set the sequence. The engine tests approved messages within it and learns from actual payments. Reminders go RCS-first with a verified sender, so customers can see they come from you.
A pilot built around your portfolio. Early results in as little as 2 weeks. The results further down are platform results across the account lifecycle. A pilot on your own portfolio gives you numbers for the reminder stage itself.
Built for telecom, auto financing and financial services. Runs on the same multi-armed bandit engine as KredosAi collections.
Last updated: November 3, 2026
Same reminder, every account.
Most payment reminders go out the same way to every account: the same message, a set number of days before the due date, every cycle. A customer who always pays on time and one who needs a nudge get the identical text, often from a number they don’t recognize.
vs
Fixed reminder schedule
Reminder matched to what has worked for each account
Same message to every account, every cycle
A light touch for customers who always pay on time
On-time payers get the same nudge as everyone else
RCS-first, with your brand and a verified sender
A text from a number the customer doesn’t recognize
Learns from actual payments
Never changes unless someone rewrites it
A light touch, if anything.
Customers who pay on time every cycle hear from you less. The engine learns which accounts don’t need a reminder, and which only need a short one.
The engine behind it, in production.
20x documented ROI at Fortune 50 scale.
Payments land 3 to 6 days sooner, on average.
Optimized in 30 to 60 days, not 18 to 24 months.
Questions teams ask first.
Isn’t this what our billing system’s reminders already do?
A billing system sends the same reminder to every account on the same schedule. KredosAi keeps the schedule your experts set, but matches the message to each account, based on what has actually gotten that account to pay before. An always-on-time payer and a customer who usually needs a nudge get different messages. Every message is a template your legal team approved, and every send clears a compliance check. It runs against your own accounts and data, deployed via API alongside the billing system you already have.
What happens to an account that doesn’t respond?
Once it is past due, it moves into collections, where the same engine keeps learning from that account’s history.
Do we need to replace our billing system or CRM?
No. KredosAi is deployed via API, alongside what you already run.
Do we need years of historical data?
No. The engine starts learning from the first responses on your account file.
Isn’t this what our billing system’s reminders already do?
A billing system sends the same reminder to every account on the same schedule. KredosAi keeps the schedule your experts set, but matches the message to each account, based on what has actually gotten that account to pay before. An always-on-time payer and a customer who usually needs a nudge get different messages. Every message is a template your legal team approved, and every send clears a compliance check. It runs against your own accounts and data, deployed via API alongside the billing system you already have.
Do we need to replace our billing system or CRM?
No. KredosAi is deployed via API, alongside what you already run.
What happens to an account that doesn’t respond?
Once it is past due, it moves into collections, where the same engine keeps learning from that account’s history.
Do we need years of historical data?
No. The engine starts learning from the first responses on your account file.