AI debt collection software · Now live

Your first AI calling campaign, live in an afternoon

Upload your accounts, hear your AI agent on a real call, launch today. WhatsApp reminders coming soon

Try free · hear the call See how it works

No credit card · Guided onboarding · ES/EN

Live call · ACME Collections
Built for regulated collection markets
Every call audited and reviewable
No long contracts · pay as you go

Try before you pay

Hear your AI agent before you pay a cent

Sign up in 30 seconds, enter your own number, and get a live call from our AI using a real collection script. This is how your campaigns will sound. No filters, no scripted demos

Try the call now
1

Sign up

Email and password, 30 seconds

2

Enter your number

Your phone, not a debtor's

3

AI calls you

Real collection script, natural voice

4

You get it

Upload your XLSX and launch your first campaign

How it works

From signup to first campaign in one afternoon

recobra
Overview
Campaigns
Channels
Settings
AC
ACME
Account owner
CHANNELS
Channels
Connect and manage outbound voice and WhatsApp messaging.
WhatsAppDISCONNECTED
Connect your WhatsApp Business account for outbound messaging.

No WhatsApp account connected yet.
Connect
VoiceDISCONNECTED
Connect a phone number for outbound AI voice calls.

No voice channel connected yet.
Claim numberConnect SIP trunk
1

Sign up and connect your voice channel

WhatsApp activates at launch

recobra
Overview
Campaigns
Channels
Settings
AC
ACME
Account owner
CAMPAIGN
First Campaign
Configure runtime behavior and explore accounts in one workspace.
Campaign configuration
Accounts explorer
Human review queue
Overview
Attach account data
Strategy
Messaging & behavior
Actions & approvals
Attach account data
Import accounts via XLSX with smart field mapping.
Upload XLSX file
Drag and drop or click to browse
XLSX column
phone_number
Maps to
Phone
XLSX column
nombre
Maps to
Name
XLSX column
saldo_adeudo
Maps to
Balance
2

Upload your accounts via XLSX

Smart field mapping - your column names, your structure

recobra
Overview
Campaigns
Channels
Settings
AC
ACME
Account owner
CAMPAIGN
First Campaign
Campaign configuration
Accounts explorer
Human review queue
Overview
Attach account data
Strategy
Messaging & behavior
Actions & approvals
Channels & triggers
Contact policy
Actions & approvals
Place outbound call ×Mark goal achieved ×Defer action ×
Human in the loop enabled
Approvals required
All allowed actions
Voice profile
Adam - Dominant, Firm
Male · american
▶
Execution interval
Every 4 hours
3

Configure your campaign

Rules, calling hours, scripts, frequency limits

recobra
Overview
Campaigns
Channels
Settings
AC
ACME
Account owner
OVERVIEW
Recovery command center
Monitor approvals and recovery outcomes across campaigns.
Current snapshot
Active campaigns
3
Campaigns running now.
Accounts in play
247
Accounts engaged.
Awaiting review
12
Approvals waiting.
Performance over time
Accounts at goal
38
Actions reviewed
124
Calls made
312
4

Launch, AI does the work

You handle what matters. AI handles the rest

Capabilities

AI debt collection software that adapts to your portfolio

Everything your team needs. Nothing they don't

Core product

Agentic loop

AI learns from every interaction with each account. Evaluates context, respects limits, and decides the next action based on your history with each debtor

Call
Deferred
PTP agreed

AI voice calls

Natural voice. Configurable scripts. Every call transcribed and recorded

WhatsApp reminders

Compliant nudges with payment links. Available in the next few weeks

Human in the loop

AI suggests. You approve sensitive actions. Always auditable

One dashboard, one balance

Voice minutes, messages, tokens - one balance

No black box

Three prompts. And nothing else is hidden

The strategy is three prompts: goal, success criteria, failure criteria. The AI operates on these three fields in every interaction. If you want to know why it acted the way it did, you read them

The agent in action

The agent thinks, decides, and documents every step

Not a dialer. An agent with automatic per-debtor micro-segmentation: evaluates context, respects regulatory limits, and adjusts strategy per account

10:42 AM · Tuesday
Call #1 attempted
Initial attempt
Voicemail
No contact
No answer
1 call/week
Deferred · limit
Frequency policy
Following Monday · 3:15 PM
Call #2 successful
Contact made
Thursday · link sent
PTP agreed
Payment committed

Full transparency

Every AI decision is visible, audible, and yours to approve

Recobra isn't a black box. See the reasoning. Hear the call. Approve every action that matters

Place outbound call
Planner rationale
Debtor has not responded to previous reminder. Contact window available per policy. Next attempt uses empathetic tone based on logged context.
Voice prompt
Hello, I'm looking for Mr. Reed. This is Martha from ACME Collections...
0:00 / 0:09

The math is simple

Human
vs
Recobra AI
6
Hours/day
24
20–30
Calls
∞
$8–12
Cost
$0.15
No middleman
You (agency)
→
Recobra
→
Debtors
✓ Your data stays under your control
Traditional BPO
You (agency)
→
Third-party BPO
→
Debtors
12-month contracts

Your operation

Your operation, your data, your control

Recobra isn't a BPO with an AI layer. It's the debt collection software where you run your own operation. Your book stays yours. No outsourced agents. No 12-month commitments

Start free

Regulated markets

Built for regulated debt collection

Pre-configured templates for regulated markets: call identification, contact hours, outcome logging, and full traceability. Your team sets the final criteria according to its compliance policy.

Automatic caller identification
Protected calling hours
Frequency controls against harassment
Exportable audit logs
What's coming
WhatsApp Q3 2026
SMS fallback Q3 2026
CRM integrations Q3 2026
We build fast, but compliant. Nothing ships until it's genuinely ready

Pricing

Simple pricing - pay per managed account

No tokens, no annual contracts. Start free and scale when you need to

Free
$0 / forever
For evaluation and low volume
AI voice calls
Pre-configured templates
Reduced monthly allowance
Start free
Try the platform
Free during beta
Pro
$49 / month
$0 during the public beta
Daily debt collection operations
Everything in Free
Full monthly allowance
Multiple simultaneous campaigns
Start free
Active agencies
Coming soon
Business
$99 / month
Available at the end of beta
High volume and multiple teams
Everything in Pro
Premium monthly allowance
Multiple users and priority support
Notify me when available
Scale operation
See full pricing →

Frequently asked questions

Quick answers

What is AI debt collection software and how does it work?
It's a platform that automates calls and reminders to debtors using artificial intelligence. You upload your portfolio, configure rules and goals, and the AI agent decides the next action per account.
How long does it take to launch my first campaign?
With Tovie Recobra you can launch your first AI calling campaign in an afternoon. No long integrations, no multi-month contracts. Sign up, upload your XLSX, configure, and launch the same day.
How much does debt collection software cost?
Our Pro plan is $49 USD per month, designed for daily debt collection operations. During the public beta we activate it at no cost. There's also a permanent Free plan for evaluating the platform. No tokens, no annual contracts. See full pricing.
Does the platform help comply with debt collection regulations?
Tovie Recobra includes pre-configured templates for debt collection campaigns in Mexico: contact hours, call identification, outcome logging, and full traceability of every interaction. These tools facilitate compliance with CONDUSEF and LFPDPPP, but final configuration and regulatory responsibility remain with your team as the data controller.
How is customer data protected?
Your portfolio data stays under your control at all times. We don't transfer your book to third parties. We comply with security standards for sensitive collection information.
Do I need technical expertise to use the platform?
No. Tovie Recobra is a self-serve debt collection system designed to operate without a technical team. Spanish and English interface, guided onboarding, email support included in all plans.

AI is already on the phones. The question is whether it's working for you

Sign up free. Hear the AI in under 5 minutes. No card, no commitment

Start free

No credit card · Guided onboarding · ES/EN