Arrears 360

Overview

Arrears 360 is a multi-channel, agentic AI solution that transforms how businesses recover outstanding payments. Powered by the latest large language models, Arrears 360 holds natural, realistic conversations with customers over voice and WhatsApp — handling the unexpected twists and turns that arise in any human interaction. It can proactively call a consumer, clearly explain what's owed, answer questions on the spot, and seamlessly send a payment link via WhatsApp to close the loop.

Designed for the moments that matter most to your cash flow, Arrears 360 operates across three key business contexts. In consumer credit, it follows up on overdue monthly installments. In insurance, it addresses lapsed annual or quarterly premiums. And in subscription services — whether physical goods like milk and produce or digital streaming platforms — it ensures monthly payments stay on track. One intelligent agent, every channel, any conversation.

Features

1. Payment Nudge

Every missed payment is a conversation waiting to happen. Payment Nudge picks up the phone, calls your customer, and walks them through exactly what's due — breaking down every charge on their statement so there are no surprises. From there, the conversation flows naturally. Ready to pay? A secure payment link lands on their WhatsApp in seconds. Need a few more days? A callback is scheduled at a time that works for them. Can't manage the full amount right now? Arrears 360 negotiates a partial payment and arranges the rest for later. Once the payment comes through, your customer gets a thank-you message and your systems are updated automatically. No manual follow-ups, no loose ends.

2. True Local

Trust starts with recognition. With TrueLocal, Arrears 360 imports your SIM card and makes every call and WhatsApp message from your own number. When your customer's phone rings, they see a name they know — not an unfamiliar number they'll ignore. The result is higher pick-up rates, faster responses, and conversations that start on the right foot. TrueLocal is the first and only solution in India to deliver agentic AI conversations from local, India-based numbers. No other provider offers this. If your customers are in India, their experience should feel local — because it is.

About Us

We are a bootstrapped start-up planning to go live in the second half of 2026. Check back soon for more developments.

Sidharth Sankar

Amaresh Tadinada

© PAYFORGE TECHNOLOGIES PRIVATE LIMITED
CIN 
U62013KA2025PTC208418
Regd. Office
No.472/7 Balaji Arcade, 20th L Cross Rd.
Koramangala, 4th Block 
Bengaluru, Karnataka 560095