AI payment collection agent India

Stop chasing advances and pending dues yourself.

Dvaarik gives Indian businesses a custom AI payment collection agent. 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. Dvaarik charges ₹0.50 for each call minute, in 30-second steps, with no monthly fee, and takes zero commission on the money you collect. Setup is ₹0: you add your amounts, deposit rules and reminder scripts in the dashboard, and the agent can be live the same day you finish.

Partner signup is free and instant. The wallet starts at ₹0, with no approval call, minimum client count or lock-in.

At a glance

Commission on payments

₹0.50

Per call minute, 30-second steps

22+

Indian languages

UPI

Link sent mid-conversation

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 monthly fee and no percentage skimmed off your collections. A call is ₹0.50 per minute in Dvaarik call fees, charged in 30-second steps, and each AI text reply is ₹0.05, drawn from one prepaid credit balance that never expires. Setup is ₹0 for every business, and there is no minimum commitment — top-ups start at ₹100. Your phone company and your speech and AI providers bill you directly for their part of each call. 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 it works

How do you evaluate and launch this alternative?

Map your collections

Pin down where money gets stuck: advances, booking deposits, or pending balances, and which customers, languages, and amounts are involved.

Set up the agent

Configure 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

Go live the same day you finish setup, review real calls and collections, refine the reminder tone and timing, and keep improving recovery every week.

Where this fits

Which path should you explore next?

Use the detailed pages below to test the platform, economics and delivery model against your actual client requirements.

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 Dvaarik for usage: ₹0.50 per call minute and ₹0.05 per AI text reply.

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 monthly fee and setup is ₹0 for every business, with no conditions. You load prepaid credits — top-ups start at ₹100, with no minimum commitment — and pay ₹0.50 per call minute, in 30-second steps, and ₹0.05 per AI text reply. Your phone company (Plivo, Telnyx or Twilio) and your speech and AI providers bill you directly for their part.

How fast can it go live?

The same day you finish setup. Once you add your amounts, deposit rules, and payment account in the dashboard, you connect your channels, test real collections, and launch — then keep tuning recovery week by week, with help from the Dvaarik team whenever you want it.

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