AI-powered debt collections software

Orchestrate and centralize your collections management with Latin America’s only complete, AI-native infrastructure. Reduce your operating costs by up to 90%, increase contactability by up to 30%, and reduce early-stage delinquency by up to 17%.

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Meet our AI agents

Automate conversations through WhatsApp, email, and phone calls to deliver 24/7 support.

Lorena, AI Collections Agent

Active

WhatsApp

Hi! Would you like to automate your collections management? Try working with me. I learn quickly and will soon be able to give you recommendations to optimize it.

Lorena

I hold conversations with your customers on WhatsApp. I take into account the context and the status of their accounts receivable, adjusting my tone to be more or less formal as needed.

Diego, AI Collections Agent

Active

Email

Hi! Would you like to hire a collections agent? Let's talk!

Incoming Call

Antonio Fernández

Diego

I handle conversations with your customers via email and phone calls. I understand each client’s payment delay status and specific context, allowing me to manage the interaction with the appropriate level of intensity.

How it works

Moonflow offers a simple and effective implementation process.

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Import

Connect your data via API, SFTP, or sync your ERP with Moonflow.

Set up

Link all your communication channels with just a few clicks.

Customize

Use the predefined strategies from our library or create your own.

Automate

Put Moonflow in autonomous mode and let our agents manage your collections.

Optimize with AI

Monitor your business KPIs and boost your collections with our Machine Learning–powered model.

Why work with Moonflow

Companies in 25 countries across Latin America choose us to manage their collections with AI.

Easy implementation

Integrate data easily, without writing a single line of code.

Save up to 90%

Unify your collections process in one place so your team can focus on the most important tasks, while AI handles the operational workload.

Omnichannel 

Automate WhatsApp, emails, phone calls, and other channels within a single communication flow.

Artificial intelligence

Control the entire collections process from start to finish and let AI suggest the best strategies.

Trusted by 200+ companies in 25 countries

We bring collections management into the future, powered by AI.

Sectors we serve

Boost your team’s productivity 10x with AI implementation.

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Consumer collections

For companies looking to reduce operational costs and achieve greater portfolio containment in the early stages of delinquency through AI-driven automations.

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Business collections

For companies looking to streamline their collections and reduce costs with AI, integrate with their ERP system, and achieve effective communications that shorten the average collection period.

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Frequently Asked Questions

Have questions? Here you’ll find clear answers about Moonflow’s usage, implementation, and benefits.

What is Moonflow and how can it help my company?

Moonflow is the next generation of AI-native collections infrastructure. We centralize everything your accounts receivable operation needs into a single ecosystem and one unified dashboard:

  • Communication channels: WhatsApp, email, SMS, calls through our own telephony infrastructure, and field collections for late-stage delinquency and charged-off portfolios.
  • Data sources: ERP, CRM, core banking systems, APIs, webhooks, SFTP, and Google Drive.
  • Payment methods: cards, bank transfers, payment links, and, depending on the country, physical payment locations.
  • An application marketplace for specific business needs.

On top of this infrastructure, Moonflow deploys AI Text and Voice Agents that autonomously communicate with customers, negotiate, and register promises to pay; an AI Copilot that enhances the productivity of human collectors; and AI Control Tower, the module where teams configure and supervise agents, channels, telephony, and field collections.

Our machine learning algorithms segment portfolios, prioritize collection actions, and autonomously learn the best channel, day, and time to contact each customer profile. They also adjust the strategy whenever a message is not delivered or does not receive a response.

This allows companies to protect both the customer relationship and their EBITDA.

What types of companies is Moonflow built for?

Moonflow is the foundational collections infrastructure for financial institutions, banks, BPOs, telecommunications companies, utilities, service providers, and distributors managing high volumes of B2B, B2C, or mixed accounts receivable portfolios.

We work with organizations across 25 countries and multiple key industries:

  • Financial services and fintech: banks, financial institutions, lenders, leasing companies, financing providers, insurance companies, credit card issuers, and consumer lending businesses.
  • Services and utilities: telecommunications, electricity, gas, and other companies managing large customer portfolios.
  • Real estate: rentals, condominiums, property management, and real estate companies.
  • Distributors: B2B collections for companies managing portfolios of 300 or more business customers.
  • Healthcare: clinics, hospitals, and clinical laboratories.
  • Education: universities, institutes, and schools.
  • Goods and services: retail companies, professional services firms, and other businesses.

Moonflow operates across markets including Mexico, Peru, Colombia, Chile, Argentina, Brazil, Ecuador, the Dominican Republic, Panama, Honduras, Uruguay, Costa Rica, Spain, and the United States.

How does Moonflow integrate with ERP, CRM, and other systems?

Moonflow does not replace your ERP. It complements it during the active collections stage, where native ERP collection capabilities are often limited.

Moonflow integrates with leading platforms such as SAP Business One, Oracle NetSuite, Odoo, QuickBooks, Siigo, Xero, Holded, Salesforce, and others through APIs, webhooks, native connectors, or SFTP.

These integrations make it possible to synchronize data automatically or periodically depending on each company's architecture and requirements.

Your ERP remains the accounting system of record, while Moonflow becomes the intelligent execution and orchestration engine for collections.

What results can Moonflow deliver?

Moonflow's infrastructure orchestrates communication channels, AI Agents, and business rules to deliver measurable results.

Our customers have achieved:

  • Up to 90% savings in collection operating costs
  • Up to a 30% increase in contact rates
  • Up to a 17% reduction in early-stage delinquency
  • A significant reduction in Days Sales Outstanding (DSO)

These results are enabled by Moonflow's AI-native technology, which combines multiple areas of artificial intelligence—including machine learning, deep learning, generative AI, RAG, and agentic AI—with a broad application marketplace designed to address different business needs and more than 25 years of financial industry experience from our CEO.

More than 200 companies across 25 countries trust Moonflow to optimize their collection operations.

[Explore some of our customer success stories → https://www.moonflow.ai/casos-de-exito]

How long does it take to implement Moonflow?

Because Moonflow was built as an AI-native platform from the ground up, without legacy technical debt, implementation typically takes between 3 and 6 weeks, depending on data volume and integration complexity.

This process includes system integrations, data migration, collection workflow configuration, and the setup of AI Agents within AI Control Tower, including channels, availability, capabilities, and service rules.

Our team supports every stage of the technical deployment through production launch.

Does Moonflow include AI Text and Voice Agents?

Yes. Moonflow includes AI Agents that autonomously manage collection conversations 24/7 through both text and voice.

The system selects the appropriate channel for each customer, including phone, WhatsApp, SMS, or email. AI Agents can answer questions, negotiate, and register promises to pay and payments in real time.

Because payment methods are integrated into the platform, agents can also share payment links, read payment receipts, and register customer payments for verification.

This automates high-volume transactional interactions while allowing your team to focus on higher-value or more complex cases.

Improve the collection experience and take care of your customers.

We know your customers are the most important part of your business. Providing them with proper attention and simple payment processes helps build loyalty. Automate your collections management now with our software.

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