Negotiate on your own terms — and make the acceptance count as proof

Discount, installment and extension offers defined by the creditor. The debtor simulates and accepts in the portal; acceptance records IP and terms, and installments are created with individual status.

Agreements

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offer types

statuses in the agreement lifecycle

IP + terms

recorded on acceptance

100%

proposals validated server-side

From offer to completed agreement, with rules validated server-side

Define the offer

Maximum discount, number of installments and conditions. The offer can be presented by the workflow or by an operator.

The debtor simulates

In the portal, the simulator shows discount and installment combinations always within the active offer.

Acceptance recorded

Acceptance records IP, date and terms. A proposal tampered with in the browser is rejected server-side.

Track the installments

Every installment has its own due date and status. The agreement moves from proposed to completed.

Negotiation with method, from the first discount to the last installment

Offer Types

Discount for cash payment, installment of the balance, or due date extension — combinable per the creditor's policy.

Controlled percentage discount
Installments with a cap
Due date extension

Offer via Workflow

A workflow step can offer an agreement automatically at the right moment — for example, on the seventh day overdue.

Offer bundled with the collection message
Direct link to the portal simulator
Conversion logged in the step's telemetry

Simulator Locked to the Offer

The debtor can only simulate within the defined limits. Attempts to tamper with the proposal in the browser return an error and are logged.

Server-side validation, not client-side
Log of tampered attempts
No silent exceptions to the creditor's policy

Acceptance with Evidentiary Value

IP, date/time and accepted terms are recorded on the agreement — evidence for any future dispute.

Versioned terms at acceptance
Immutable audit record
Acceptance via the portal or by an operator

Complete Lifecycle

Proposed, accepted, active, completed, canceled or broken — with transitions validated in code.

Charge moves to "in negotiation"
A completed agreement closes the charge
A broken agreement reverts to the charge

Installments with Status

Every installment has its own due date, amount and status. Tracking happens per installment, not just the total.

View of paid and pending installments
Due date per installment
Ready for a post-break workflow

Agreement simulator in the debtor portal, locked to the creditor's active offer

The portal simulator only accepts combinations within the active offer — and acceptance records IP and terms.

Negotiation campaigns segmented by overdue range

Negotiation offers segmented by overdue range, applied across the whole portfolio.

Real use cases

Automatic agreement on D+7

On the seventh day overdue, the workflow sends an offer of 10% cash discount or 3 installments. The debtor simulates in the portal and accepts — the agreement is created with its installments.

Negotiation by an operator

On a call, the operator logs the negotiation and creates the agreement from the dashboard, with the same policy guardrails as the portal.

Controlled discount

Policy allows up to 15% discount. No simulation — not even browser manipulation — can go past that: the server rejects it and logs it.

Frequently asked questions

Recover more by negotiating with method

See the simulator, the acceptance flow and the agreement lifecycle working end to end.