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. Seven in ten of those promises turn into a payment.
Sono's AI collection call assistant is a voice agent that makes outbound payment reminder and debt recovery calls at scale — politely, consistently, and in the debtor's own language — logging every outcome and escalating disputes to human agents.
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.
This is not a niche problem: chasing late payments costs European businesses 275 billion euros and 74 working days a year — about 9,194€ per company (Intrum, European Payment Report 2025).
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. 70% of those promises turn into a payment.
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
Between DPD 3 and DPD 65 the promise rate falls by nearly two thirds — from 32.5% to 11.7% of answered calls — while each promise costs 2.4× more to win. Every day of delay buys you fewer promises at a higher price.
Compare
Three ways to work
an overdue book
Most credit managers choose between staffing a collections team, handing the book to an external agency, or calling every account automatically. Here is how the three compare.
| In-house collections team | External agency | Sono | |
|---|---|---|---|
| Cost model | Salaries plus overhead, paid whether or not the account pays | Commission on what is recovered | Flat monthly fee plus usage |
| Coverage | Office hours | Office hours | 24/7, including evenings and weekends |
| Reach per day | Capped by how many agents you employ | Only the accounts you hand over | Every overdue account in the queue |
| Time to first contact | Days — the early window is rarely fully covered | Weeks, after the file is handed over | Same day, from 3 days past due |
| Tone control | Full | None — the agency uses its own script | Full — your script and disclosures on every call |
An in-house team is limited by headcount and an agency only starts once the account is already old. Sono works the whole book from day three, on your script, at a cost that does not scale with the number of calls.
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.
The unit economics
553€ in.
57,750€ out.
Per 1,000 answered calls, from Sono's own collections data.
Per 1,000 reached contacts
165 payments per 1,000 conversations — a 16.5% call-to-cash rate.
Call at 3 days past due instead of 65 and the same 10,000 accounts return 394,800€ instead of 203,350€ — nearly double, off the same book, at almost the same cost.
Read the full breakdownWhat 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. 70% of those promises turn into a payment, most within 10 days and 23 days sooner than the longest term on offer.
Per 1,000 conversations, 553€ of calls and SMS recovered 57,750€ — about 104€ back for every 1€ spent. 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. Across 10,000 overdue accounts, calling at 3 days past due recovered 394,800€ versus 203,350€ at 65 days — nearly double, off the same book.
In a live collections programme, 48.9% of borrowers answered and 23.5% promised to pay, at an average cost of 2.35€ per promise. 70% of those promises turn into an actual payment: per 1,000 conversations that is 165 payments and 57,750€ recovered for 553€ spent — about 104€ back for every 1€, or 3.35€ per collected account.
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.
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