Voice agents 50% off until Dec 31Voice agents are 50% off ($0.03/min) through Dec 31, 2026.

ServiceNow#1 on EVA-Bench

Artificial Analysis#1 on Speech Agent Arena

AI debt collection agents that turn past-due accounts into payments.

Call every past-due account, recover balances, and agree on payment dates and plans customers stick to.

Talk to salesStart building

Trusted by leading teams

ServiceNowArtificial Analysis

Ranked #1

on EVA-Bench and Speech Agent Arena

NVIDIA
Samsung
Indeed
DoorDash
GEICO
Motive
ServiceNow
Thomson Reuters

Call every past-due account and recover more payments

The agent calls every account on your list, confirms it's speaking with the account holder, and collects the payment or agrees on a plan from the options you approve. Disputes go to your team.

The agent calls every account on your list, including the small balances your team doesn't have bandwidth for, at the times you set. Accounts nobody answers stay on the list until contact is made.

Built on best-in-class speech models

Cartesia handles listening, turn-taking and interruptions. You bring the instructions, the LLM and the tools.

  • $0.03per minute through December 31, 2026
  • #1on Speech Agent Arena and EVA-Bench
  • 24/7answers every call, at any hour

Natural turn-taking

The agent lets callers finish, handles interruptions and pauses, and never talks over anyone.

Your choice of LLM and tools

Pick the LLM that is best suited for your agent's job, and give it tools to take action.

A voice that fits your brand

Pick from a library of natural, expressive voices so every call sounds like your company.

See which calls ended with a payment recovered

Every call is recorded and transcribed. See which calls recovered a payment, which ended with a payment plan, and which accounts need another call.

Start recovering past-due payments in three steps

  1. Clone the template

    Copy this use case into your Cartesia account and edit the instructions to match your policies.

  2. Connect your systems

    Connect the agent to the systems it needs, then give it a Cartesia phone number or bring your own.

  3. Test the agent, then go live

    Place test calls from the browser, read the transcripts, and score calls with your own metrics.

Pricing. $0.03/min promotional pricing through December 31, 2026.

Start building

Enterprise-grade security

  • HIPAA compliant badge

    HIPAA compliant

  • SOC 2 Type 2 badge

    SOC 2 Type 2

  • GDPR badge

    GDPR

Collections FAQs

What can an AI collections agent do?

It calls past-due accounts, confirms it's speaking with the account holder, explains the balance, and collects the payment or agrees on a payment date or plan from the options you approve. It records every payment and plan in your system.

Can an AI collections agent place outbound reminder calls?

Yes. Connect a phone number and load the accounts your team supplies, by API or in batches of up to 5,000. Turn on voicemail detection to leave a message when no one answers.

How do customers pay?

The agent texts your payment link so the caller can pay before the call ends, or sends them to another payment channel you approve. It records the payment or promise to pay in your system.

Can an AI collections agent offer payment plans?

Yes, the plans you define. Set the amounts, lengths and fee rules it can offer, such as a hardship plan with a lower monthly payment, and the agent saves the plan to your system and texts the caller the details.

What happens when a caller disputes the balance?

The agent stops the reminder, and you decide whether it transfers the call to your team or politely ends the call and lets the caller know someone from your team will call back. The agent doesn't decide whether a dispute is valid.

How should we measure an AI collections agent?

Evaluate the agent against your key success criteria. For example, you can measure what percentage of calls end with a payment recovered, or how much of each past-due balance you recover over time.

Who is responsible for collections compliance?

Your organization stays responsible for the rules that apply to you, such as the FDCPA, Regulation F, and the TCPA in the US. You control the scripts, disclosures, and call times.

How much does an AI collections agent cost?

Agents are $0.03 per minute through December 31, 2026.

Find your voice

Talk to an expert.

Connect with a member of our team and learn how Cartesia can help you build world-class voice experiences.

Contact Sales

Start building.

Access our models via API and bring an agent into production with our SDKs and developer tools.

Try Cartesia

We’re hiring!

Build the future of interactive intelligence

Careers page