The debtor sorts it out alone — without exposing the debt to anyone else
A secure link with an expiration date, identity verification before showing amounts, an agreement simulator and online acceptance. And if the link ends up in the wrong hands, "that's not me" cuts off all contact with one click.
From link to closed negotiation, without tying up your team
The operator issues the link
With one click from the customer record, or automatically in the dunning message. Valid for 30 days, with revocation and rotation.
The debtor confirms their identity
Before seeing any amount, they enter the last 4 digits of their tax ID (CPF/CNPJ). Until then, the portal shows only the first name and the creditor.
They review and negotiate
They see open charges, simulate an agreement within the active offer, and accept it with IP and terms recorded.
Everything gets logged
Views, verification, simulation, acceptance and invalid attempts all go into the access log.
Before any amount, the portal shows only the first name and the creditor — and asks for the last 4 digits of the document.
Secure self-service for both the debtor and the creditor
- A database leak doesn't expose valid links
- Immediate revocation by the operator
- Reissue without affecting history
- Pre-verification shows only first name / company name
- 5 attempts every 15 minutes
- Anti-enumeration with uniform responses
- Minimal exposure of personal data
- Aligned with LGPD
- No third-party data on screen
- Real-time simulation
- Acceptance records IP and terms
- Agreement created with installments instantly
- Third-party flag on the record
- Suppression across all channels
- Links automatically revoked
- Rate limit on navigation and actions
- Tampered attempts logged
- Responsive: works well on mobile
The agreement simulator only presents combinations within the offer defined by the creditor.
Real use cases
Payment without a rep
The dunning message carries the portal link. The debtor confirms their identity, sees the updated amount and settles it — without tying up your team.
Agreement at 2 a.m.
The simulator works around the clock. The debtor accepts an installment plan at 11 p.m. on Saturday; your team finds the agreement already created on Monday.
Link forwarded by mistake
The email was old and the link reached someone else. One click on "that's not me" and all contact is suppressed — without exposing the debt to the third party.
Frequently asked questions
Self-service that protects both sides
See the full debtor portal: verification, simulation, acceptance and the log of every access.