Collection calls · 24/7 at scale
Every overdue account,
already on the line.
A human team can't call every account, every hour. Sono dials the entire overdue book — at 3, 10, 35 and 65 days past due — and secures a payment promise on every answer.
The problem
Every day unpaid
is money written off.
A borrower reached at 3 days past due almost always pays. At 65 days they're three times harder — and costlier — to recover. That early window is exactly the one human teams can't fully cover.
One European consumer-finance platform with hundreds of thousands of customers had too many overdue accounts and too few hours to call them. Sono calls every one, at every stage, around the clock — so no account slides toward write-off for lack of a phone call.
The cost of waiting
Cost per payment promise, by days past due
A promise at DPD 3 costs 2.08€ — under half the 5.02€ at DPD 65. Speed is the cheapest lever you have.
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How it works
From overdue account to payment promise
Sono calls every overdue borrower — tirelessly, at any scale.
Step 01
Calls every borrower
Outbound reminders at 3, 10, 35 & 65 days past due — 24/7, at any scale.
Step 02
Explains the balance
Confirms the borrower, states what's overdue, and answers their questions in plain language.
Step 03
Secures a promise
Agrees a concrete payment date the borrower commits to, within the terms you allow.
Step 04
Follows up
Sends a confirmation SMS, chases the ones that slip, and hands complex cases to a human.
Reach borrowers early — it converts more, and costs far less
A promise at DPD 3 costs just 2.08€ — under half the 5.02€ at DPD 65. Borrowers reached early are far more willing to commit.
The proof
Borrowers don't just answer —
most commit to pay within 10 days
More than half commit to pay within 10 days — an average 23 days sooner than the longest term on offer. Money back this fast frees capital to redeploy and cuts the odds of a write-off.
A few euros in, hundreds protected
A promise costs 2.77€ and protects roughly 115€ of at-risk balance.
Assumes a 382€ average overdue installment, 30% of which goes unrecovered without timely outreach.
What you get
Sono Collections
in practice
Every account, every stage, around the clock. Sono runs the whole queue at 3, 10, 35 and 65 days past due — no backlog, nothing left uncalled.
Sono doesn't just remind — it agrees a concrete date the borrower commits to. Most pay within 10 days, 23 days sooner than the longest term on offer.
At roughly 41× recovered per euro spent, Sono turns collections from a cost centre into a margin. Reaching borrowers early is the cheapest lever — and Sono always pulls it.
Every promise gets a confirmation SMS; every borrower who slips gets chased. Disputes and hardship cases are routed straight to a human — never forced.
Sono identifies as AI, follows your scripts and disclosure rules, respects call-time limits, and logs every transcript and promise-to-pay date back to your system.
FAQ
Frequently asked
questions
Yes. Sono identifies itself as an AI voice assistant on every call, observes do-not-call lists and time-of-day rules, and keeps a full transcript and recording of every conversation. For regulated collections it follows your scripts and disclosure requirements, and hands sensitive or disputed cases straight to a human agent.
It confirms it's speaking to the right borrower, explains what's overdue and by how much, answers the borrower's questions, and agrees a concrete payment date they commit to. It then sends a tailored SMS confirmation and escalates complex cases to a human.
On the cadence you set — for example, reminders at 3, 10, 35 and 65 days past due. Reaching borrowers early matters: at 3 days past due a payment promise costs about 2.08€, less than half the 5.02€ it costs at 65 days, because borrowers reached early are far more willing to commit.
In a live collections programme, 48.9% of borrowers answered and 23.5% promised to pay, at an average cost of 2.77€ per promise. A promise costs a few euros and protects roughly 115€ of at-risk balance — about 41× recovered for every euro spent on outreach.
Sono is built to recognise when a conversation needs a human — a dispute, a hardship claim, a complex restructuring request. It captures the context, updates your system, and routes the case to a live agent instead of pushing for a promise.
Yes. Sono connects to your collections or loan-management platform via API or webhooks, reads the overdue queue, and writes back every disposition, promise-to-pay date and transcript. Most lenders go live in days, and list uploads (CSV) work too.
Get started
Put every overdue account
on Sono's call list
In a 30-minute demo, hear Sono make outbound collection calls on a slice of your overdue book — on your cadence, with your scripts and compliance rules.
Book a Demo