A SMARTER WAY TO PAY BY PHONE
The REPAY Voice solution brings a new level of intelligence to consumer lending and collection agencies. Callers speak naturally and complete payments using saved ACH or card methods, all without navigating a single menu.
No more “press 1 to pay.” No more dead ends. No more dropped calls. Just a fast, confident payment experience that consumers actually complete.
HEAR REPAY VOICE IN ACTIONINTRODUCING REPAY VOICE
Extend the phone payment experience with the power of real conversation. REPAY Voice lets callers speak naturally, referencing their account, asking questions, and paying with saved methods all inside a single phone call.
It’s the same phone channel your customers already use. Now powered by AI that recognizes context, understands intent, and guides every call to a completed payment. No new app. No new portal. No confusion.
SEE HOW REPAY VOICE WORKS
of consumers claim they will avoid a company after just one poor experience with IVR.
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of consumers say valuing their time is the most important thing a company can do to provide good service.
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lost annually by U.S. businesses as customers switch providers after poor service experiences.
Source
HOW DYNAMIC WALLET WORKS
CALLER CONNECTS
The borrower calls the lender’s payment line. REPAY Voice answers instantly and greets them conversationally. No menus, no hold time.
AI RECOGNIZES CONTEXT
Using the caller’s phone number and a simple verification, REPAY Voice locates the account and presents the current balance, due date, and saved payment methods.
NATURAL CONVERSATION
The borrower speaks naturally. “I want to pay with my debit card” and REPAY Voice understands, confirms details, and guides the call to completion without scripted prompts.
PAYMENT CONFIRMED
Payment processes in real time. The borrower receives a confirmation by email and text, and the call ends in a fraction of the time of a traditional IVR experience.
WHY CALLERS LOVE IT
- No Menus to Navigate: Skip the press-1 maze. Just say what you need and REPAY Voice handles the rest.
- Speaks Their Language: Natural conversation in plain English. No confusing prompts or scripted dead ends.
- Pays in Seconds: Uses saved ACH or card methods so callers confirm, not re-enter, their payment details.
- Always Available: 24/7 availability means callers can pay at midnight, on weekends, or whenever it fits their schedule.
- Instant Confirmation: Payment receipts are delivered by email and text immediately after the call ends.
WHY BUSINESSES CHOOSE IT
- Higher Payment Completion: Reduce call abandonment and increase the percentage of calls that result in a completed payment.
- Lower Call Center Volume: Fewer frustrated repeat callers means agents focus on high-value interactions, not payment troubleshooting.
- No Code Required: Go live without engaging IT or development resources. Configuration, not coding.
- Fully Configurable: Call flows, greetings, and responses adapt to your brand voice and unique business rules.
- Comprehensive Payment Support: Accept ACH and card payments 24/7, with the same security standards your customers expect.
SIMPLE. CONVERSATIONAL. INTELLIGENT.
REPAY Voice empowers businesses to modernize phone payment channels without adding complexity. Full configurability, instant deployment, and the conversational intelligence customers expect. All in one solution.
- AI-Powered Conversational IVR Real, two-way conversations using natural language processing, not voice-to-DTMF workarounds.
- Secure Payment Enablement Facilitates ACH and card payments directly within the call flow, with full PCI-compliant security.
- Highly Configurable Call flows and responses are configurable to match your unique business needs and brand voice.
- No Development Required Go live without writing code or engaging technical resources. Deploy in days, not months.
- Smarter Operations Reduces inbound call center volume and drives higher payment completion rates automatically.
- Human-Like Experience Interactions that remove friction, increase trust and leave callers confident in each call.
FREQUENTLY ASKED QUESTIONS
Everything you need to know about REPAY Voice and conversational IVR payment solutions.
What is REPAY Voice?
REPAY Voice is an AI-powered conversational IVR payment solution that allows customers to make loan payments by phone through natural conversation without navigating traditional phone menus or pressing buttons. It uses natural language processing to understand caller intent, reference saved payment methods, and guide callers to a completed payment in a single call.
How is conversational IVR different from traditional IVR?
Traditional IVR requires callers to navigate rigid menu trees by pressing number keys. Conversational IVR, like REPAY Voice, allows callers to speak naturally in their own words. The AI understands context and intent, asks clarifying questions, and guides the call dynamically rather than following a fixed script. This results in significantly lower call abandonment rates and higher payment completion.
Does REPAY Voice require a new app or download?
No. REPAY Voice works through your existing phone payment line. Callers call the same number they always have, no new app, no new portal, and no additional steps to remember.
What payment methods does REPAY Voice support?
REPAY Voice supports ACH bank account and debit or credit card payments. Callers can use saved payment methods stored on their account or provide new payment details during the call.
Is REPAY Voice secure?
Yes. REPAY Voice is built on REPAY's secure payment infrastructure and meets PCI compliance standards. Callers are verified using account-level authentication before any payment or account information is shared.
Can lenders customize the REPAY Voice experience?
Yes. REPAY Voice is highly configurable. Businesses can customize call flows, greetings, and response language to match their brand voice and operational needs, all without writing code or engaging development resources.
How quickly can REPAY Voice be deployed?
REPAY Voice requires no development work on the business's side. Configuration is handled through REPAY's platform, enabling most organizations to go live significantly faster than traditional IVR implementations.
Who is REPAY Voice best suited for?
REPAY Voice is ideal for any business that collects payments by phone, including consumer lenders, auto finance and installment loan servicers, and collection agencies. It is especially valuable for organizations experiencing high IVR abandonment rates or looking to reduce inbound call center volume.
EXPLORE MORE PAYMENT SOLUTIONS WITH REPAY
REPAY Voice is one part of a complete modern payment ecosystem. See how our solutions work together.
PHONE / IVR
Already offering phone payments? See how traditional IVR compares and why businesses are upgrading to REPAY Voice for a faster, more conversational experience.
LEARN MORE
REPAY DYNAMIC WALLET
Meet borrowers on their phones without a call. Dynamic Wallet lets borrowers view, manage, and pay loans directly from Apple® or Google™ Wallet with realtime updates.
LEARN MORE
TEXT PAY
Another frictionless channel for callers on the go. Text Pay lets customers make payments with a single tap after a brief SMS verification. No app, no portal, no friction.
LEARN MORE
DON’T TAKE OUR WORD FOR IT. HEAR IT YOURSELF.
Want to experience how REPAY Voice turns a frustrating phone payment into a two-minute conversation? Talk to our team and we’ll walk you through a live demo or let you hear it in action.