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Credit Move the application. Keep the relationship. From first enquiry to the next repayment.
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Healthcare Move care forward. Let us handle what slows it. More time for people. Less time finding answers.
Logistics Move every shipment forward. Let us handle what slows it. Keep freight, documents and exceptions moving.
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Explore AtomsAI How the work actually gets done. Illustrative workflows with their numbers and method, alongside notes on building and evaluating AI systems.
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Case studies One workflow, measured. The rest are next door. A baseline first, the same population after, and the client’s own dashboard as the record. No number without a denominator.
Blog What broke, and what we changed. Notes on building and evaluating AI systems in production — the reasoning behind the numbers, without a sign-up.
Company Built by the team behind JustCall 6,000+ customers. Peak XV Partners and Base10 backed.
Company overview
About us We ship systems, then we hand them over. An applied AI team from the group behind JustCall. We embed with your engineers, build the workflow that pays for itself, and leave you owning it.
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Careers We hire senior. That’s the filter. Forward-deployed engineers, evals and reliability engineers, delivery leads. Remote-first, with overlap.
Contact Talk to the people who ship the work. Bring one workflow to a working session. We inspect the actual handoffs and exceptions, and agree a scoped first build.
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Trust Center SOC 2 Type II. HIPAA. GDPR. Your cloud. Where the workflow runs, what it stores, and who can see it — the deployment matrix and the disclosures in one place.
Brand The type, the grounds and the dot system. How the mark, the grounds and the motion work — and the rules the site itself is built on.
See the brandAtomsAI / Collections agent
Reminds, agrees payment plans and takes payments on voice, text and email, within collections rules. More recovered, fewer complaints, and less chasing for your team.
Built for consumer lending, utilities, healthcare billing and buy-now-pay-later, and for friendly invoice nudges in B2B.
Why it matters
When customers fall behind, most of them want to pay.
They forgot, they can't pay it all at once, or they'd rather not take a call about it.
Your team can only reach a few of them in time.
Teams reach the biggest balances first. Smaller ones drift further behind until they're written off.
Calling at the wrong time, too often, or without the right disclosures brings complaints and fines.
Many people won't pick up a collections call, but will answer a text and pay by link.
What it does
Offers payment options within your policy, lets the customer choose, and confirms the plan in writing.
Friendly nudges before and after the due date.
A secure link to pay by card, bank or wallet, sent in the same conversation.
Before a debt is ever mentioned.
Hours, frequency, disclosures and opt-outs, enforced on every contact.
Pauses collection and passes the customer to a specialist.
Learns who is likely to pay and which channel and time each customer answers.
Every contact teaches the agent who to reach first, how and when. More accounts back on track, fewer written off, and your team on the cases that need a person.
Channels, capabilities and integrations
One agent across text, email and voice. Every promise, plan and payment updates the account in your systems.
SOC 2 Type II, HIPAA and GDPR. Your data is never used to train models.
Evenings and weekends, when people actually reply, but only within the hours you allow.
The right specialist, with the account history, what was offered and the full conversation.
Loan servicing and billing systems, Stripe and your payment gateway, Salesforce, HubSpot and Zoho. JustCall for calls and texts, and email. Anything else through APIs and webhooks.
Scoped access, approved per action
Worklist
See where every account stands, and how each customer was reached.
Pick your industry to see how the agent reminds, agrees plans and recovers payments.
Collectors can only call the biggest balances, and the rest drift further behind.
A payment is due in 5 days.
Sends a heads-up with the amount and a pay link.
Paid on time, no collection needed
A loan payment is 6 days late.
Checks in kindly, offers plans within policy, sends a pay link.
First payment made, plan set
Patients don't understand their bills, so they don't pay them.
A patient balance is 30 days old.
Explains what insurance covered and what's left, offers a plan.
Bill understood and paid
A patient owes $2,400 after surgery.
Offers monthly plans within the practice's rules.
12-month plan set up
Thousands of small overdue bills, too many to chase by hand.
A monthly bill is due.
Reminds every customer on their preferred channel.
More bills paid by the due date
A customer moves out and the final bill goes unpaid.
Reaches them at their new contact details with a pay link.
Final bill paid, no write-off
Finance teams chase overdue invoices one email at a time. A friendly nudge is usually enough.
An invoice is 15 days overdue.
Emails the right contact, then follows up by text.
Payment date confirmed
A customer disputes an invoice.
Logs the dispute, stops chasing and routes it to the account owner.
Dispute handled by the right person
Rent arrears build up while property managers juggle everything else.
Rent hasn't arrived.
Checks in with the tenant and sends a pay link.
Rent paid or a date agreed
A tenant is a month behind.
Offers a catch-up plan within the landlord's rules.
Arrears plan in writing
Missed premiums lapse policies customers actually want to keep.
A premium is 10 days overdue.
Explains what lapses and when, sends a pay link.
Policy kept active
A customer can't pay the annual premium.
Offers monthly payments if the policy allows.
Policy kept, payments spread
Late car payments escalate quickly, and calls are hard to make well.
A car payment is 10 days late.
Offers a short extension or split payment within policy.
Account back to current
A borrower says they've lost their job.
Pauses collection and books a hardship specialist.
Handled with care, by a person
Tuition reminders are awkward, and families need flexible options.
Term fees are due in two weeks.
Reminds parents and explains instalment options.
Fees paid or instalments chosen
A family asks to spread the fees.
Sets up instalments the school allows.
Plan agreed, student stays enrolled
Small missed instalments add up across thousands of customers.
A buy-now-pay-later instalment fails.
Lets the customer retry with another card or move the date.
Instalment paid within days
The card on file expires before the next instalment.
Asks the customer to update it through a secure link.
Failed payment avoided
Contact follows your rules on hours, frequency, consent and disclosures.
Controls and evals
Pricing
No fixed tiers. Every collections agent is built around your journeys, channels and systems, so we price it the same way: after we understand what you need.
Tell us what you need.
Share your journeys, channels and systems. We'll come back with a scope and a price.
Contact usShare a sample of overdue accounts. We'll show which ones the agent would recover, how, and where a person is needed.
We keep this simple. Strictly necessary cookies always load. Analytics and performance measurement stay off until you say yes. What we collect.