Everything a serious collections operation needs
Versioned multichannel workflows, payment-event interruption, native contact compliance, a debtor portal, disputes with SLA and evidentiary audit logs. From due date to payment, without forgetting, duplicating or collecting wrong.
10
integrated modules
5
step trigger types
11
telemetry states per step
3
communication channels
10 integrated modules in a single platform
Workflows
Multichannel steps (email, SMS, WhatsApp) by trigger: before, on and after the due date, plus post-issuance. Versioned workflows with full step-by-step telemetry.
- Editing a live workflow never affects charges already enrolled
- 11 states per step: from eligible to converted
- Actions: notification, agreement, task, credit bureau reporting, protest, legal
Charges
Original and updated amounts with interest, fines and discounts. Explicit state machine, tracked charge source and visible status age.
- Source: Kobana, ERP, API, spreadsheet or manual
- Invalid transitions rejected in code
- Instant interruption on payment events
Customers
Individual/business registry with addresses, phone numbers, emails and tags. Automatic payer classification and a CRM with timeline, tasks and promises.
- New/Good/Regular/Bad classification, reclassified after payment
- Interaction timeline per customer
- Tasks with priority and due date
Agreements
Discounts and installment plans bound to creditor-defined offers. Acceptance recorded with IP and terms, each installment with its own status.
- Controlled offers: a tampered proposal is rejected server-side
- Acceptance via the portal or by an operator
- The agreement has its own state machine
Disputes
A first-class object with 7 types, disputed amount, documents, owner and SLA. Opening one pauses the workflow instantly.
- Queue with a countdown SLA
- Resolution requires a documented decision
- Dismissed disputes resume the workflow right where it stopped
Debtor Portal
Secure self-service: a link with an expiration, identity verification, an agreement simulator and a “not me” button.
- Token stored only as a SHA-256 hash
- PII masked until verification
- Agreement acceptance recorded with IP and terms
Compliance
Legal contact windows by state, per-person contact limits, typed suppressions, LGPD legal basis and legal hold — all evaluated before every send.
- Outside the legal window = reschedule, never discard
- 11 suppression types with scope and evidence
- Credit bureau reporting and protest only with human review
Audit
Append-only log enforced by a database trigger. Every action — and every non-action — has an actor, reason, before/after state and IP recorded.
- UPDATE and DELETE rejected by Postgres
- Delivery receipts preserved as evidence
- Suppression reasons shown in plain language in the interface
Public API
A v1 REST API for every entity: people, charges, workflows, agreements, disputes, tasks, templates, notifications and more.
- Session or api-key authentication
- OpenAPI/Swagger spec and Postman collection
- Outbound webhooks with signatures and secret rotation
Integrations
OAuth2 and Kobana webhooks with an idempotent inbox. Standalone mode with payment signals from PSP, CNAB and manual entry.
- Real-time payment confirmation on the Kobana rail
- Email via SendGrid, Mailgun or SES; SMS via Twilio, Zenvia or Infobip
- Charge imports via spreadsheet and API
See the full workflow in action
A demo with a sample portfolio: versioned workflows, disputes with SLA, the debtor portal and telemetry for every send.