0-30 days
Past-Due 0-30 Days
Early and preventive recovery. Friendly reminders with high open rates before the customer enters formal proceedings. Segmentation by amount and risk profile.
Complete Omnichannel Collections FlowRecover receivables with
Recover receivables with
legal evidence in
every notification.
Automate the complete flow: pre-due reminder, delinquency alert and payment plan offer via Email, SMS and WhatsApp with legal traceability at every step.
- 87%
- Average recovery in 30 days
- 3
- Channels coordinated automatically
- 100%
- Legal evidence per notification
- -70%
- Cost reduction vs manual collections
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The Complete Automated Collections Flow
Every step of the process is designed to maximize recovery while maintaining the customer relationship and complying with fair debt-collection regulations in your market.
1
Day -5Preventive Reminder
Friendly · No pressure
“Hi [Name], your payment of $[Amount] is due on [Date]. If you need options, we are here to help.”
2
Day 0Due Date Alert
Email + SMS simultaneous
Moderate urgency
“Your payment of $[Amount] was due today. Options are available to regularize without additional charges.”
Delivery timestamp recorded
3
Day +3Delinquency Notification
WhatsApp Business
Formal · With legal evidence
“Dear [Name], in accordance with applicable collections regulations, we inform you that your obligation is in default. This communication is on record.”
Read confirmation + valid legal log
4
Day +7Payment Plan Offer
Personalized Email
Collaborative solution
“We offer three payment agreement options with no additional interest for the next 30 days. Select the one that best suits you.”
Payment link click tracking
Channels available in this flow:Email MarketingBulk SMSWhatsApp BusinessDetailed legal evidenceView the Collections Solution →
Collections Scenarios that Opptima Solves
From the first missed payment to the legal process, Opptima automates every stage of receivables recovery.
30-90 days
Past-Due 30-90 Days
Automated omnichannel escalation: initial Email, reinforcement SMS, WhatsApp with legal evidence. Frequency and tone adjusted by days in default and debtor history.
Large Debtors
Large Debtors
Personalized flow with assigned account manager. Custom communications by amount, age and debt type. Coordination between digital channels and phone management.
Retail / Finance
Mass Retail Debt
Thousands of simultaneous reminders personalized by name, amount and due date. Dedicated infrastructure for campaign peaks without degrading deliverability.
Legal Process
Legal Collections
Legally valid delivery evidence for legal proceedings. Logs with UTC timestamp, delivery confirmation and open record. Retention of +5 years.
Agreements
Payment Agreement Follow-up
Automatic installment notifications: prior reminder, receipt confirmation and default alert. Flow stops automatically upon payment confirmation.
Legally and Ethically Compliant Collections
Every collections notification sent by Opptima complies with applicable debt collection and data protection regulations in your market
Fair Collections Practices
Collections Activity within the Law
Fair debt-collection standards regulate collections activities: they prohibit harassment, establish permitted contact hours and require respectful communications. Opptima implements frequency controls, configurable sending schedules and predefined tones that meet ethical collections standards.
Data Protection Compliant
Debtor Data Protection
Debtor data (name, amount, history) is personal data protected under applicable data protection regulations. Opptima acts as a data processor with confidentiality agreements, purpose restricted to collections and automatic data deletion upon data subject request.
Electronic Evidence Standards
Evidence for Legal Proceedings
Many jurisdictions recognize data messages as valid evidence. Opptima's logs — with UTC timestamp, delivery IP and receipt confirmation — provide timestamped, audit-ready records that support legal and collections proceedings before courts and arbitrators.
Plans for Automated Collections
Choose according to your receivables volume. All include legal logs and delivery evidence per notification.
| Feature | 50K | 100K | 200K | 500K | 1M |
|---|---|---|---|---|---|
| Legal logs per notification | |||||
| Exportable delivery evidence | |||||
| Automated Email+SMS+WA flow | |||||
| Dedicated channel | |||||
| Additional domains | 4 Dom. | 10 Dom. | Unlimited | ||
| Contacts (debtors) | 100K | 300K | 500K | 1M | Unlimited |
| Assigned Email Specialist | |||||
| Price / mo | $59.99 USD | $118.99 USD | $238.99 USD | $942.99 USD | $1,427.99 USD |
All prices in USD. Monthly or annual billing with 20% discount. SMS and WhatsApp billed by additional volume.
Need a tailored solution?
If your sending requirements exceed our standard packages or you have specific technical needs, we design an exclusive architecture and pricing plan for your operation.
Contact Enterprise SalesCompanies that recover more receivables with Opptima
Financial entities, collections companies and retail that automate their receivables recovery
Company ACompany BCompany CCompany DCompany ECompany F
Client names protected under confidentiality agreement
What Opptima Customers Say About Recovering More Receivables
“We went from 52% to 87% recovery in 30 days. The automated Email→SMS→WhatsApp flow with legal evidence completely changed our results.”
GC
Gloria Castaño
Portfolio Manager, Financial Institution
“Opptima's logs won us three executive enforcement proceedings where the debtor claimed not to have received the notifications. The evidence was irrefutable.”
NW
Nathan Whitfield
Legal Director, Collections Company
“We reduced our manual collections team by 60% without dropping recovery. The automated flow manages 80% of the portfolio without human intervention.”
MB
Marcus Bennett
CFO, Home Appliance Retail
- 87%
- Average recovery in 30 days
- -70%
- Operational cost reduction
- 100%
- Legal evidence per notification
- +5 years
- Legal log retention
Is your past-due portfolio still growing?
Talk to a specialist and we will configure your automated collections flow in 48 hours.
- Email+SMS+WhatsApp flow configured from day one
- Legal evidence valid for executive enforcement proceedings
- Automatic compliance with fair debt-collection and data protection standards
- Integration with your CRM and portfolio system via API
Frequently Asked Questions
Everything you need to know about automated collections with legal evidence in Opptima.
The flow is configured once and operates automatically. You define the triggers (days before due date, days in default, minimum amount) and Opptima sends notifications on the right channel, at the right time and with the appropriate tone for each stage. The flow stops automatically when it detects the debtor has made the payment — no manual intervention.
Escalation is configured according to your criteria. The standard flow is: Email in the preventive reminder (days -5 to 0), Email + SMS simultaneous at the due date (day 0), WhatsApp with legal evidence in moderate default (days +3 to +7). You can adjust times and channels by debt segment, amount and debtor risk profile.
Yes. Opptima's logs include: UTC sending and delivery timestamps, server receipt confirmation, open record and click. Many jurisdictions recognize data messages as valid evidence, and our logs provide the timestamped, audit-ready records needed to support that. We have supported debt-collection legal proceedings where Opptima's logs were decisive. Records are retained for 5 years by default.
Yes. You can segment the flow and personalize messages by any variable: debt amount, days in default, financial product type, region, payment history. Each message can include dynamic variables such as debtor name, exact amount, due date and payment options personalized per client.
The system detects if the number has active WhatsApp Business before attempting delivery. If they do not have WhatsApp, the flow automatically escalates to SMS for that specific contact. You can configure the failover priority: WhatsApp → SMS → Email, or any combination according to your collections strategy.
Yes. This is one of the most important functions of the collections flow. Opptima integrates with your portfolio system via API (payment webhook) or can periodically query your CRM. When it detects that the payment was recorded, it automatically stops all pending notifications for that contact — avoiding inappropriate communications to clients who have already settled.
Resources on Digital Collections
Guides, strategies and success stories for collections and receivables recovery teams.
No articles available at this time.