# WhatsApp debt collection that collects itself.

URL: https://www.elocuenti.com/en/whatsapp-collections

WhatsApp debt collection means reminding and collecting a debt or an installment inside the same conversation, with no redirect to another page to pay. In Elocuenti the reminder and the charge go out together, followed up until it's paid, available for businesses in Colombia.

## What Elocuenti's collections software does

- **Automatic reminders** They go out on their own before or after a due date, with no one sending them by hand one by one.
- **Collection campaigns** A bulk send that arrives with the charge included, ready to pay in the same message.
- **Payment link collection** Card, PSE, the Bancolombia button, Daviplata or Nequi, all in a single checkout.
- **Direct Nequi notification** The customer gets it in their Nequi app and approves it with a tap, no link to open.
- **QR and Bre-B** The customer scans or pays with a key from their bank or wallet, without typing any data.
- **Collections panel and reconciliation** Pending items, overdue accounts, automatic reconciliation and a fee simulator by method.

## How WhatsApp collections works

- **The reminder goes out.** Before or after the due date, with the amount and the payment link or notification ready.
- **The customer pays without leaving the chat.** With card, PSE, Nequi, QR or Bre-B, from their bank or wallet.
- **If they don't respond, it follows up on its own.** The follow-up repeats until the customer pays or replies in the conversation.
- **It reconciles in your panel.** The payment matches the installment or debt, with no spreadsheets or manual copying.

## Traditional collections vs WhatsApp collections

Traditional collections depend on a call or a one-off message. WhatsApp collections arrive with the charge already included.

| Aspect | Traditional collections | WhatsApp collections with Elocuenti |
| --- | --- | --- |
| Reminder | A call or a message someone sends | Automatic, before or after the due date |
| How the customer pays | They have to find where to pay | Link, Nequi, QR or Bre-B in the same chat |
| Follow-up | Another call later on | Follow-ups that repeat on their own |
| Reconciliation | Matched by hand against the ledger | Automatic against the installment or debt |
| Visibility | Separate spreadsheets per rep | A single panel with pending and overdue items |

## What you see and control in collections

- **Pending list** Overdue accounts and cases that need a person, prioritized in one place.
- **Reconciliation and duplicates** Every payment matched to its installment, with a flag if it detects a duplicate payment.
- **Fee simulator** Compare how much each method costs before choosing which one to offer by default.

## WhatsApp collections in Colombia

Elocuenti's WhatsApp collections is available for businesses in Colombia, in Colombian pesos, running on Wompi with a native integration and preferential fees.
The payment link accepts card, PSE, the Bancolombia button, Daviplata or Nequi; you can also collect through a direct Nequi notification, a QR code or Bre-B, depending on what your customer uses.

## Keep reading

- Elopay: Get paid inside the conversation with Elocuenti.
- Nequi for businesses: How to collect with Nequi over WhatsApp: direct notification, a link or a QR.
- Elocuenti for fintech: How financial businesses use Elocuenti to serve, sell and collect.

## Frequently asked questions about WhatsApp collections

- **Which countries can use Elocuenti's WhatsApp collections?** Collections with Elopay is available for businesses in Colombia, in Colombian pesos. The rest of the product works in any country.
- **What happens if the customer doesn't reply to the reminder?** The follow-up repeats automatically until the customer pays or replies in the conversation.
- **How do I avoid charging the same payment twice?** The collections panel detects duplicate payments and flags them before they reach your accounting.
- **Can I send a collection to many customers at once?** Yes, with a collection campaign: the reminder and the charge reach the whole list you choose together.
- **How is data protected?** We encrypt data in transit and at rest, isolate each business's data and control access by role. Payments are processed by the payment gateway: we don't store card data.