Paymefy

Paymefy is a cloud-native, AI-first debt-collection suite that replaces traditional dunning letters, phone calls, and manual reconciliation with an orchestrated, omnichannel journey. At its core sits a continuously learning recommendation engine that decides who to contact, when, through which channel, and with what message. The result: an average 65 % reduction in collection time and a 3.4× return on investment within the first year, according to audited case studies published on the vendor’s website.

Unified, White-Label Payer Portal

Debtors land on a responsive, brand-consistent portal where they can pay instantly via credit card, Apple Pay, Google Pay, SEPA direct debit, or Bizum in Spain. The portal adapts language, tone, and colour palette to match the creditor’s brand guidelines, eliminating the disjointed experience of third-party checkout pages.

Adaptive Communication Library

The platform ships with 80+ pre-written message templates that are dynamically rewritten by a fine-tuned large-language-model (LLM) to reflect the debtor’s tone preference (formal vs. conversational), historical payment behaviour, and even device type (mobile vs. desktop). A/B tests show a 22 % uplift in open rates when the subject line is LLM-personalised.