Core Recovery

AI Voice Calls for Payment Recovery

When emails go unread, a well-timed phone call breaks through. Rezoki's AI voice agents make natural-sounding calls that recover payments other channels can't.

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Rezoki's AI voice calling is a unique differentiator in the dunning space. Powered by Vapi.ai for conversational AI and ElevenLabs for natural voice synthesis, our AI agents make outbound calls to customers whose payments have failed. The calls sound natural, handle objections conversationally, and guide customers toward updating their payment method or resolving their billing issue — all without a human agent.

The Problem

Email open rates for payment failures hover around 12-15%. That means 85% of your failed-payment customers never even see your recovery attempt. For high-value customers or persistent failures, email alone isn't enough. Human outbound calling is expensive ($15-30 per successful contact) and doesn't scale. There's a gap between ineffective emails and unscalable human calls — Rezoki's AI voice fills it.

How It Works

1

Trigger Conditions Met

AI voice calls activate based on rules you set — after N failed email attempts, for customers above a certain LTV, or on specific decline codes that require human-like interaction.

2

AI Prepares the Call

The AI reviews the customer's context: name, plan, failure reason, previous interactions, and any notes. It prepares a conversational script tailored to the situation.

3

Natural Voice Call Made

Using ElevenLabs voice synthesis, the AI makes a call that sounds like a real team member. It introduces itself, explains the payment issue, and offers to help resolve it.

4

Conversational Handling

The AI handles real-time conversation — answering questions, addressing objections, offering payment links via SMS, and adapting tone based on the customer's responses.

5

Outcome Logged

Every call outcome is recorded in the ledger: payment updated, callback requested, voicemail left, or escalation needed. The data feeds into recovery analytics.

Key Benefits

Reach the 85% Who Ignore Email

Voice calls break through when emails can't. A phone call is harder to ignore than an email, and the personal touch drives action.

Natural, Non-Robotic Conversations

ElevenLabs voice synthesis creates natural-sounding speech that customers don't immediately recognize as AI. The conversation flows naturally, not like a robot reading a script.

Scale Without Headcount

One AI agent can make hundreds of calls per day. No hiring, training, or managing a call center team. The cost per contact is a fraction of human agents.

Customizable Voice and Persona

Choose or clone a voice that matches your brand. Set the agent's name, personality, and communication style. The AI becomes an extension of your team.

24/7 Global Availability

AI agents call during optimal hours for each timezone — no night shifts or international staffing needed. Every customer gets a call at the right time.

Real-World Use Cases

Scenario

An enterprise customer ($500/mo) hasn't responded to 3 dunning emails

Outcome

Rezoki's AI calls them, explains the billing issue in a friendly way, and sends a payment update link via SMS during the call. 45% of these calls result in same-day payment recovery.

Scenario

A customer's card was declined for suspected fraud

Outcome

The AI calls to inform them that their bank may have flagged the charge, suggests they contact their bank to whitelist your company, and offers to retry after they've done so.

Scenario

A loyal customer's annual renewal fails

Outcome

The AI calls with a warm, appreciative tone acknowledging their long relationship, explains the renewal issue, and offers flexibility — payment link, different card, or a brief extension to sort things out.

28%

Call-to-recovery rate

47 sec

Average call duration

90% less

Cost per contact vs. human

Related Features

AI-Powered Dunning EmailsMulti-Channel RecoveryCustom Dunning Sequence BuilderDecline Code Intelligence

Frequently Asked Questions

Do AI voice calls really sound natural?+
Yes. We use ElevenLabs voice synthesis, which produces some of the most natural-sounding AI speech available. Most customers don't realize they're speaking with an AI until told. The voice handles pauses, intonation, and conversational flow naturally.
Can I use my own voice or brand voice?+
Yes. ElevenLabs supports voice cloning — you can record a sample of a team member's voice and the AI will speak in that voice. Alternatively, choose from a library of professional voices that match your brand personality.
What happens if the customer asks a question the AI can't answer?+
The AI gracefully handles edge cases by acknowledging the question and offering to have a human team member follow up. It can also transfer to a live agent if you have that set up. No call ends in awkward silence.
Is AI calling legal for payment recovery?+
Yes, in most jurisdictions. Payment failure calls are transactional, not marketing. However, regulations vary — the US (TCPA), EU (ePrivacy), and other regions have specific rules. Rezoki ensures calls comply with local regulations and respects do-not-call preferences.
How many calls can the AI make per day?+
There's no practical limit. The AI can scale from tens to thousands of calls per day based on your failed payment volume. Calls are queued intelligently to respect timezone-optimal calling hours and daily contact frequency limits you set.

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