--- title: Build Payment Collection Voice AI Agent | Telnyx canonical: https://telnyx.com/templates/payment-collection-voice-ai --- # Build Payment Collection Voice AI Agent | Telnyx [Back to templates](https://telnyx.com/templates) finance # Build Payment Collection Voice AI Agent Automate outbound payment collection calls with an AI agent that contacts customers about outstanding balances and negotiates payment arrangements. Start building in Mission Control with usage-based pricing. introduction ## What this voice AI agent does The Payment Collection template creates an outbound AI agent that contacts customers about outstanding balances. It explains the amount owed, discusses payment options, and negotiates arrangements, all while maintaining compliance with collection regulations. Designed for billing departments, collections teams, and accounts receivable operations that need to scale their outreach without adding staff. The template comes pre-configured with compliance-aware conversation flows, dynamic variables for balance details, creditor information, and callback numbers. **features** ## Core components of the Payment Collection agent ### Balance communication Clearly explains the outstanding amount, creditor, and reason for the call. ### Payment negotiation Discusses payment options and arrangements in a professional, empathetic manner. ### Compliance-aware and callback handling Follows collection communication guidelines and respects caller requests. Provides company callback number and handles requests for follow-up calls. how to ## Build and deploy your agent in 5 easy steps **time** 5 minutes **pre-requisites** A Telnyx account with a phone number. **Step 1 of 5** ### 1. Select the template Sign in to your Telnyx account. Navigate to AI Assistants, click Create New Agent, and select Payment Collection from the Payments & Collections category. ### 2. Set account details Update dynamic variables with agent name, company name, creditor name, balance amount, and callback number. ### 3. Configure compliance rules Update instructions with your jurisdiction-specific compliance requirements and prohibited practices. ### 4. Set calling hours Schedule calls within legally permitted hours for your jurisdiction and the customer's timezone. ### 5. Test and go live Run test calls to verify the conversation handles various payment scenarios and objections correctly. Hello, this is calling regarding an outstanding balance. I wanted to discuss some options with you. Is now a good time? **tips and insights** ## Payment Collection voice AI best practices ### Know your regulations Ensure the AI follows FDCPA, state, and local collection regulations for your jurisdiction. Ensure the AI follows FDCPA, state, and local collection regulations for your jurisdiction. ### Offer payment plans Configure the instructions with your available payment arrangement options and approval thresholds. Configure the instructions with your available payment arrangement options and approval thresholds. ### Track collection rates Monitor successful payment commitments vs callbacks vs refusals to optimize your approach. 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