NEWCOB · AI DEBT COLLECTION
The AI agent that negotiates and closes collection agreements.
NewCob calls, messages on WhatsApp and negotiates with each debtor: it proposes the deal, accepts counteroffers, issues the payment slip and sends the receipt, without handing off to an agent.
From the first message to the receipt.
An automated collection cadence, with voice and WhatsApp in the same operation.
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Autonomous negotiation
Proposes the deal, accepts counteroffers, sets up installments, issues the payment slip and sends the receipt. Not a bot that hands everything to a human.
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Voice and WhatsApp in one cadence
Starts on WhatsApp, moves to a call and, when the case needs it, to someone on your team, with the conversation history.
- 03
Within your rules
Maximum discount, installment options, channels and contact hours: your team sets them, and no negotiation goes beyond them.
- 04
Results in real time
A dashboard with closed agreements, amounts recovered and recovery rate per portfolio, updated live.
Built for collections.
Collection agencies and call centers
More contact attempts without growing the team. The agent covers the part of the portfolio where staffing doesn't pay off, and you pay per minute of conversation.
Creditors that run their own collections
Banks, lenders, credit unions and retailers with store credit: the agent works inside your operation, with your systems and your rules.
We put NewUp to work on one of our portfolios and the result doubled. At the same time, the average cost per contact dropped 75% compared to our human operation. More recovery at a lower cost is exactly what we look for in a collections operation — and that's what they delivered.
Bruno Aren
Strategic Planning Manager · Anova
The voice, the naturalness and the complexity the AI can handle make NewUp's AI the best in the Brazilian market. We integrated it with our systems, where each portfolio has its own business rules. NewUp absorbed that complexity with an agility I hadn't seen from any other vendor. The result was visible in our numbers — today they're our main AI partner.
Alexandre Nantes
Strategic Planning Superintendent · Bulgarelli Serviços Financeiros
Questions about AI debt collection.
What is an AI debt collection agent?
An agent that talks to the debtor over voice and WhatsApp the way a negotiator would: it understands the situation, proposes a deal, answers the counteroffer and closes, issuing the payment slip and sending the receipt. NewCob does this at scale, within the rules your team sets.
How is it different from an IVR or a collection bot?
An IVR follows a fixed menu and hands off to an agent as soon as the conversation leaves the script. NewCob speaks in natural language, understands the debtor's proposal and closes the deal within the rules you defined. When a case needs a person, it transfers with the full conversation context.
How does the automated collection cadence work?
You define the sequence: for example, a WhatsApp message, then a call and, when the case needs it, a transfer to someone on your team with the conversation history. Channels, contact hours, discounts and installments are configured with us during onboarding.
What about data protection (LGPD)?
Encryption at rest and in transit, masking of sensitive data on screen, auditable logs and a signed DPA. In collections, NewUp acts as processor: the creditor remains the controller of the portfolio data.
Which systems does NewCob integrate with?
CRMs and collection systems through connectors or REST API, WhatsApp through Meta's official API, VoIP/SIP telephony and webhooks for BI and data warehouses. We confirm the full list with your team.
How much does it cost?
Usage-based, no success fee: voice from R$ 0.90 per minute and WhatsApp from R$ 1,800 per thousand messages, with volume discounts. Telephony is not included. To try it, we offer R$ 300 in credit for up to 60 days, before any commitment.
30 minutes. You send a slice of your current collections script. We return 3 simulated conversations on your own data. Before any contract.
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