Inbox + Reconciler

Collect without chasing, confirm without Excel

The bot reminds about the debt, receives the receipt on WhatsApp, verifies it against the bank notification and confirms with the customer. Your collection runs itself.

Start free

No card required to startActivation in under one hour

Built on the stack you already use

The problem

Collection is the most expensive task no one measures

The admin team chases customers one by one: reminder, wait, receive a receipt on WhatsApp, open it, compare it with the bank notification, paste it into Excel, mark the invoice. And start over.

Every hour spent on this is an hour that does not bill. And when the team rests, collection lags: the customer pays on Friday and gets the confirmation on Monday.

The Kharyo solution

Remind, receive, verify and confirm, all on its own

Inbox sends automatic reminders on your collection schedule (3 days before, due date, day +5). The customer pays, sends the receipt on WhatsApp, and Reconciler verifies it against incoming bank notifications.

When the match is confirmed, the bot replies to the customer with the invoice marked as paid and updates your management system. No calls, no Excel, no team chasing.

Customer writes

Kharyo understands the customer's intent, no rigid forms required.

Real process

Runs the operational flow that already exists in your business.

Payment verified

Matches amount, reference and proof against the corresponding operation.

Customer writes

Kharyo understands the customer's intent, no rigid forms required.

Real process

Runs the operational flow that already exists in your business.

Payment verified

Matches amount, reference and proof against the corresponding operation.

Reminders with the right tone

Before the due date (cordial), on the due date (firm), after (more serious). Configurable tones, never robotic.

Receives the receipt in the conversation

The customer sends the receipt on WhatsApp like they always do. Kharyo processes it with OCR and verifies it without anyone opening it.

Verification against bank notification

The receipt is matched against the real bank notification. No risk of fake receipts or unrealized payments.

Who uses it

Any business with accounts receivable

B2B subscriptions

Recurring monthly renewal

E-commerce with financing

Installments and payment plans

Professional services

Monthly retainers

Distributors

Trade credit

Real estate

Monthly rentals

Private education

School or academy tuition

Comparison

Kharyo vs chasing collection by hand

Kharyo vs chasing collection by hand
Capability	Kharyo	Admin team	Traditional gateway
Reminders with the right tone for the moment	Yes	Manual	Partial
Receives receipt on WhatsApp	Yes	Manual	No
Verifies against the real bank notification	Yes	Manual	Partial
Confirms to the customer without human input	Yes	No	Yes
Marks invoice in ERP automatically	Yes	Manual	Partial
Collection metrics by cohort	Yes	Manual	Yes

Native integrations

Connected to the full collection cycle

WhatsApp Business API

Reminders and collection conversation with approved official templates.

LATAM bank notifications

Native read of the main banks in Venezuela, Colombia, Mexico and the rest of the region.

Billing systems

Marks invoices as paid in your ERP via API or webhook.

Google Sheets

For teams without an ERP, syncs collection status into a live sheet.

Email backup

If the customer prefers email, Kharyo operates there too with the same logic.

Frequently asked questions

What people ask before getting started

Can I configure the reminder cadence?

Yes. You define when to send (before, during, after the due date), with which tone and at which interval. Each customer or segment can have its own policy.

What happens if the customer does not respond?

After N attempts (configurable), Kharyo routes the case to the human team with the transcript and the reminders sent. You decide the next step.

How does it avoid false positives when verifying the payment?

The match requires exact amount, source bank and time-window match. If anything does not line up, it is flagged as ambiguous and goes to human review, never confirmed blindly.

Does it work with collection in different currencies?

Yes. It supports collection in bolívares, US dollars (Zelle, Binance USDT) and other LATAM local currencies. Each invoice handles its own currency.

Can it issue a legal invoice when the payment is confirmed?

Yes, via integration with your billing system. Kharyo triggers the legal invoice generation when the payment is confirmed.

How does the team measure collection performance?

Dashboard with collection rate per cohort, average days to collect, % collected by bot vs human, value recovered per reminder chain.