RecoverAI: AI-Powered Debt Collection Platform for the Philippines - Recover More.
Spend Less.
AI voice agents that speak Filipino, ensure BSP compliance, and recover debts 24/7 — at 60% lower cost than traditional agencies.
No credit card required · Set up in 5 minutes
Proven Results
45%
Higher Recovery
60%
Cost Savings
24/7
AI Operations
100%
Compliant
Get Started in Three Simple Steps
From account upload to recovered payments — our AI handles the entire collection process
Upload Your Accounts
Import your debtor portfolio in seconds via CSV or API.
AI Calls & Collects
Our AI agents call, negotiate, and collect — in Filipino and English.
Track & Recover
Monitor real-time analytics and watch your recovery rates climb.
Experience Our AI
Talk to our AI voice agent right now. Select a persona and start a live conversation.
Select AI Persona
Maya
AI Collections Specialist
Professional and empathetic
Try it yourself — talk to our AI agent in Tagalog or English. Experience real-time voice conversation with BSP-compliant responses and natural payment negotiation.
Everything You Need for Modern Collection
A complete AI platform built specifically for Philippine financial institutions
Voice Agents That Sound Human
AI that speaks fluent Filipino & English 24/7 — negotiating payments and resolving disputes with empathy.
Compliance, Automated
BSP Circular 1133, SEC, DPA, and HB 8741 built in. Every interaction is audited and logged automatically.
Know Who Will Pay — Before You Call
AI-powered Propensity-to-Pay scoring prioritizes high-recovery accounts with real-time analytics.
Every Channel, One Strategy
Voice, SMS, and email campaigns with intelligent sequencing that adapts to debtor responsiveness.
Your Brand, Always Protected
Real-time call monitoring with auto-termination, topic boundaries, and sentiment analysis.
Speaks Your Debtors' Language
Native Tagalog, English, and Bisaya with mid-conversation language switching.
Choose Your Recovery Plan
Flat-rate subscription. No commission splits. You keep 100% of collections. 67-78% cheaper than traditional agencies.
Pilot
Prove the Value · First-time AI adopters
Up to 50 accounts
Setup: Free · Min 3 months
Top-up: +100 accounts at ₱699/account
What's included
- Included: AI voice calls — 3x/week per account, up to 7 min
- Included: After-hours calling (6PM–9PM)
- Included: SMS follow-ups — 5x/week per account + payment links
- Included: 8-Gate Compliance Engine + HB 8741 audit trail
- Included: Basic collection dashboard & recovery analytics
- Included: White-glove onboarding · Email + Chat support
- Not included: PTP Scoring Engine & smart call routing
- Not included: API access
Starter
Launch & Scale · Growing lenders
Up to 500 accounts
Setup: ₱50,000 · Min 6 months
Top-up: +100 accounts at ₱549/account
What's included
- Included: AI voice calls — 3x/week per account, up to 7 min
- Included: After-hours calling (6PM–9PM)
- Included: SMS follow-ups — 5x/week per account + payment links
- Included: 8-Gate Compliance Engine + HB 8741 audit trail
- Included: Standard dashboard & recovery analytics
- Included: Guided onboarding · Email + Chat · Monthly reviews
- Not included: PTP Scoring Engine & smart call routing
- Not included: API access
Professional
Maximise Recovery · Established agencies
Up to 2,000 accounts
Setup: ₱75,000 · Min 12 months
Top-up: +100 accounts at ₱499/account
What's included
- Included: AI voice calls — 3x/week per account, up to 7 min
- Included: After-hours calling (6PM–9PM)
- Included: SMS follow-ups — 5x/week per account + payment links
- Included: Full compliance suite + bona fide error defence logs
- Included: Advanced dashboard · PTP Scoring · Smart call routing
- Included: Dedicated CSM · Priority + Phone · Weekly reviews
- Included: Read-only API · 99.5% uptime SLA
- Included: Predictive recovery analytics
Enterprise
Full Portfolio Power · Large portfolios
Up to 5,000 accounts
Setup: ₱150,000 · Min 12 months
Top-up: +100 accounts at ₱449/account
What's included
- Included: AI voice calls — 3x/week per account, up to 7 min
- Included: After-hours calling (6PM–9PM)
- Included: SMS follow-ups — 5x/week per account + payment links
- Included: Full compliance suite + bona fide error defence logs
- Included: Advanced dashboard · PTP Scoring · Smart call routing
- Included: Dedicated CSM + TAM · 24/7 Priority · Custom reviews
- Included: Full API + webhooks · 99.9% uptime SLA
- Included: Predictive + custom recovery analytics
Start Recovering More — Today
Your AI collections team never sleeps. Start your free pilot and see results in days, not months.
Questions? Talk to our teamSet up in under 10 minutes · No credit card required · Cancel anytime
Frequently Asked Questions
Everything you need to know about AI-powered debt collection
What is AI-powered debt collection?
AI voice agents automate debtor outreach — calling in natural Filipino and English, negotiating payment plans, and sending SMS reminders. All while staying compliant with BSP Circular 1133 and HB 8741.
Is RecoverAI compliant with BSP regulations?
Yes. Our 8-gate compliance engine enforces BSP Circular 1133, SEC guidelines, DPA, and HB 8741. Every interaction is automatically audited, logged, and available for regulatory reporting.
What languages does RecoverAI support?
Tagalog, English, Bisaya, and other Philippine regional dialects. Our AI switches languages mid-conversation based on debtor preference.
How does AI voice collection work?
Upload your accounts, and our AI scores each one for Propensity-to-Pay. Voice agents make outbound calls, negotiate payments, and follow up via SMS. Payments flow through GCash, Maya, BPI, and UnionBank.
How much can I save compared to traditional agencies?
Clients typically save 60-78%. Traditional agencies take 25-50% commission; RecoverAI uses flat-rate pricing so you keep 100% of collections. Our AI operates 24/7 with no overtime or training costs.
Do I keep 100% of my collections?
Yes. RecoverAI charges a flat per-account subscription — no commission splits. Every peso recovered goes directly to you.
How is debtor data protected?
All data is encrypted in transit and at rest. We comply with RA 10173 (Data Privacy Act), and our infrastructure meets Philippine data residency requirements. Full audit trails are maintained for every interaction.
How long does onboarding take?
Most clients are live within a day. Upload your accounts via CSV or API, configure your campaign preferences, and the AI starts calling. Pilot plans include white-glove onboarding support.
Can I integrate RecoverAI with my existing systems?
Yes. Professional and Enterprise plans include API access for integration with your LMS, core banking system, or CRM. We also support CSV imports and webhook notifications.
What happens when the AI can't resolve a call?
The AI flags unresolved accounts for human review with a full transcript and recommended next steps. You maintain complete control over escalation rules and handoff criteria.