AI payment collection agent India
Stop chasing advances and pending dues yourself.
Dvaarik builds a custom AI payment collection agent for Indian businesses. It sends a UPI payment link right inside the conversation, takes booking deposits and advances before the slot is locked, and makes polite reminder calls to your own customers about pending dues, in 22+ Indian languages. Voice is ₹2 per minute with simple whole-minute billing, and Dvaarik takes zero commission on the money you collect. You do not set up software; we build the agent for your business and launch it in days.
Skeptical? Message our own AI agent on WhatsApp and watch it reply — no form, no signup. Or see the full pricing.
What you get
0%
Commission on payments
₹2
Voice per minute
22+
Indian languages
UPI
Link sent mid-conversation
Just send one line — for example “I run a clinic and miss calls after 8pm” — and we take it from there. You get a plan and a price, usually within a day, and the founder replies personally.
“I build and tune your agent myself.” One accountable person, not a faceless SaaS — when you message us, the founder reads it.
Rohith SriramulaFounder & CEO LinkedIn
The money is stuck in follow-up
Most Indian businesses do not lose the sale. They lose the collection. The customer agrees on WhatsApp, but the advance never lands. The slot gets blocked, then the no-show eats it. The work is finished, but the balance sits pending for weeks while you send the same reminder and feel awkward calling again. Chasing money is uncomfortable, so it slips to the bottom of the list, and cash that is already yours stays parked in someone else's account. A payment link buried three messages ago does not fix this. What fixes it is an agent that asks for the money at the exact moment the customer has decided to pay.
How the Payments agent collects
The Payments agent drops a UPI payment link straight into the live conversation, the second the customer is ready. For bookings it takes a deposit or advance before locking the slot, so no-shows cost the customer, not you. For pending dues it calls your own customers with a calm, polite reminder, states the amount and due date, sends the link on WhatsApp, and marks who paid. It never uses cold or purchased lists, it respects calling hours, and it names your business at the start of every call. Payments land in your own UPI or bank account. Dvaarik never touches the money and takes no commission on any rupee you collect.
Honest, per-use pricing with no cut of your money
There is no subscription and no percentage skimmed off your collections. Voice calls are ₹2 per minute with simple whole-minute billing, and chat is ₹2 per conversation, drawn from one prepaid credit balance that never expires. Custom setup is ₹40,000, currently free for our 10 founding clients in return for the Care Plan for the first three months and an honest testimonial after go-live. The Care Plan is ₹5,000 per month at the founding rate. You start with a minimum first credit load of ₹10,000, and 18% GST applies when you load credits. Every payment link, deposit, and due collected goes 100% to you.
What a real collection workflow looks like
A studio takes a class enquiry on WhatsApp. The agent confirms the slot, sends a UPI deposit link, and only locks the booking once it is paid, so the no-show is priced out. A contractor finishes a job and the balance is pending. The agent rings the customer in their language, politely restates the amount and due date, sends the link on the call, and updates the sheet the moment it clears. A salon reminds walk-in package buyers of an unpaid balance without a single awkward call from the owner. In each case the owner sees who paid, who is pending, and who needs one more nudge, without lifting the phone.
How we build it
The loop from customer intent to completed action.
Map your collections
You tell us where money gets stuck: advances, booking deposits, or pending balances, and which customers, languages, and amounts are involved.
Build the agent
We build the Payments agent with your services, amounts, deposit rules, reminder scripts, and your own UPI or payment account wired in.
Connect your channels
Phone, WhatsApp, web chat, your booking flow, and a Google Sheet or CRM are linked so links go out and paid status comes back automatically.
Launch and tune
We go live in days, review real calls and collections, refine the reminder tone and timing, and keep improving recovery every week.
Where this fits
Use cases that map to real buying intent.
Salons and studios
Take booking deposits and advances up front so no-shows cost the customer, not your calendar.
Clinics
Collect consultation advances and clear pending balances with polite reminder calls in the patient's language.
Real estate
Collect token and booking amounts mid-conversation and follow up on pending payments without chasing manually.
Professionals and firms
Send payment links for finished work and recover overdue invoices with calm, on-brand reminder calls.
Questions buyers ask before launching
Does Dvaarik take a commission on the payments I collect?
No. Every rupee lands directly in your own UPI or bank account. Dvaarik never holds or routes your money and takes zero commission on any payment, deposit, or due the agent collects. You only pay for usage: voice at ₹2 per minute and chat at ₹2 per conversation.
How does the agent actually send the payment link?
During a live WhatsApp chat or voice call, the agent shares your UPI payment link at the moment the customer is ready to pay, then confirms and records once it clears. For bookings it can require a deposit before locking the slot. For pending dues it calls the customer, restates the amount, and sends the link on the same conversation.
Will it call my customers about overdue payments?
Yes, politely and only your own customers, never cold or purchased lists. The agent identifies your business at the start, respects calling hours, states the amount and due date calmly, and sends the payment link on WhatsApp. It marks who paid so you only follow up with the ones who still need a nudge.
What languages can it collect in?
22 scheduled Indian languages plus English, and code-mixed Hinglish, Tenglish, or Tanglish, along with most world languages. A reminder call in the customer's own language gets paid far more often than a generic one.
Is there a subscription or setup fee?
There is no subscription. Setup is ₹40,000 one-time and is currently free for our 10 founding clients, in return for the Care Plan for the first three months at ₹5,000 per month and an honest testimonial after go-live. You start with a minimum ₹10,000 credit load, and 18% GST applies when loading credits.
How fast can it go live?
Days, not months. Founder Rohith Sriramula builds every agent personally. Once you share your amounts, deposit rules, and payment account, we build, connect your channels, test real collections, and launch, then keep tuning recovery week by week.