Collect without chasing, confirm without Excel
The bot reminds about the debt, receives the receipt on WhatsApp, verifies it against the bank SMS and confirms with the customer. Your collection runs itself.
No card required to startActivation in under one hour
Built on the stack you already use
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 SMS, 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.
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 SMS.
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.
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 SMS
The receipt is matched against the real bank SMS. No risk of fake receipts or unrealized payments.
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
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 SMS | 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 |
Connected to the full collection cycle
WhatsApp Business API
Reminders and collection conversation with approved official templates.
LATAM bank SMS
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.
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.
Collection should not be a full-time job
Activate the Inbox + Reconciler flow and reclaim hours from your admin team.
- Reminders with the right tone for the moment
- Verification against the real bank SMS
- Customer confirmation without your intervention
Kharyo covers your full operation
Combine Inbox, Reconciler and Appointments. Every use case is composable.
Book and collect via WhatsApp
Appointments + Reconciler in a single flow
WhatsApp appointment booking
A bot that books without human intervention
Mobile payment reconciliation
Automatic verification against bank SMS
24/7 customer support
A chatbot that resolves, not just routes
Lead captured, qualified and booked
Inbox + Appointments: from first message to meeting
End-to-end operations
Capture, qualify, book, collect, and remind