Overdue receivables · AI

Receivables recovery with AI: the collector that never sleeps.

Pacunex AI receivables recovery works your overdue ledger every day: talks via WhatsApp, logs every payment promise and hands only complex cases to your human collector.

Written confidentiality · we respect hours and holidays.

Receivables aging faster than your team

Hiring more collectors does not scale: they cost, churn and only touch the top 10% of your ledger. The problem is human capacity, not willingness. AI receivables recovery turns your overdue list into real WhatsApp conversations every day, without saturating your team.

How AI recovers receivables

01 · Prioritize

Reads and prioritizes the ledger

Each night the AI reads your overdue ledger and ranks it by amount, aging, historical behavior and propensity to pay.

02 · Contact

Talks via WhatsApp

AI contacts the customer in business hours with the right tone — formal, friendly or conciliatory.

03 · Log

Promises into the ERP

Every payment promise is auto-logged in your system with date, amount and attached conversation.

04 · Escalate

Hard cases to the human

When a case needs judgment (special discounts, complex refinancing, legal escalation), it hands off to the collector with full history.

What AI receivables recovery is

AI receivables recovery is the practice of delegating to an AI agent the daily handling of your overdue ledger: prioritization, contact, in-policy negotiation, promise logging and outcome reporting. What today takes a large team is operated by an AI agent with human supervision.

100% ledger coverage

Not only the top 10% — the agent works the full list every day.

Tone tuned to customer profile

Formal with corporates, friendly with SMBs, conciliatory with sensitive cases.

In-policy negotiation

Discounts, terms and payment plans within the limits your management pre-approves.

Regional compliance

Respects schedules, holidays and data-protection regulation of the customer's country.

Daily manager report

Cases worked, promises obtained, amount collected this week.

Auditable traceability

Every conversation is recorded and queryable. You comply with internal and external audit.

What it connects to

AI receivables recovery connects to your ERP without migrating anything and operates over official WhatsApp Business.

ERPs and databases
MicrosipDefontanaAspelTangoBind ERPAlegraPostgreSQL · MySQL · MSSQLREST API · MCP
WhatsApp channels
Meta Cloud BYOAOfficial HSM templates24h windowAntiban throttling
LLM models
Anthropic ClaudeOpenAI GPTGoogle GeminiGroq · MistralAutomatic rotation

Typical scenarios

Honest projections — Pacunex is in open beta.

No. 01

Forgotten 60+ recovery

60-180-day cases nobody contacted again. AI recovers the conversation.

Incremental recovery
No. 02

Automated payment plan

Customer accepts N-installment plan — AI logs it in the ERP and monitors compliance.

On-time payments
No. 03

Pre-due reminder

Before invoice due date, AI sends a friendly reminder and reduces inflow to overdue ledger.

30+ aging stops growing
Pioneers 2026 · 10 companies, one opportunity

Pioneers Program 2026. 10 companies. One opportunity.

Be one of the first 10 LATAM companies running AI with Pacunex. Special pricing for pioneers, founder team in your private WhatsApp and your first agent built with you.

special pioneer pricingSlots available10 of 10
  • Work together, no lock-in

    We agree terms in writing at signing. Your data always lives in your systems and you can take it with you in standard format.

  • Special pricing for pioneers

    As a pioneer you get preferential commercial terms not available to later customers.

  • Founder team accompaniment

    Direct access through a private WhatsApp or Slack channel. No tickets, no queues.

  • First agent built with you, no extra implementation fee

    We build the first agent with you, tailored to your ERP or WhatsApp.

  • Short, verifiable milestones

    We progress by milestones: agent in sandbox, pilot with real data and KPI measured against your baseline. We review each step together.

  • A voice in the roadmap

    Quarterly meeting with product. Pioneer requests get priority in the queue.

  • Joint case study

    If you accept, we build together a case study with real numbers from your operation. Helps you present results internally.

  • Limited capacity: 10 companies

    Once full, waitlist opens for the next round at public pricing.

I want slot 10/10 →

a founder replies in under 60 seconds

FAQ

  1. Does the AI negotiate with my customers alone?

    The AI negotiates inside the rules your management pre-approves (max discounts, max terms, acceptable payment plans). Outside that range, it escalates to a human.

  2. What if the customer asks to write off the debt?

    The AI agent flags it immediately and routes the case to a human. Write-offs always stay outside autonomous scope.

  3. Does it comply with the country's data protection law?

    Yes. We respect schedules, holidays and local regulation (SRI Ecuador, SAT Mexico, SUNAT Peru, DIAN Colombia, Chile 19.628 law, etc.). The exact detail is signed in the security addendum.

  4. Is my data copied to Pacunex?

    No. The AI agent queries what it needs each turn via database, REST API or MCP and does not copy your database. Chat sessions and operational logs are stored encrypted in our infrastructure, isolated per company.

  5. Does it work with any ERP?

    Yes. We connect via database, REST API or MCP. We have dedicated sub-landings for Microsip, Defontana, Aspel, Tango, Bind and Alegra in the AI agents for ERP cluster.

  6. How fast does AI recover receivables?

    About two weeks for pilot with real ledger and a month to measure recovery vs. your previous baseline. Results vary with ledger quality and rule flexibility.

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Pacunex

Your overdue ledger
worked every day by the AI.

Let's chat on WhatsApp and review together whether your ledger fits AI recovery.