The two-way messaging recovery OS for modern collections
PayPath IQ uses AI to determine the next best action and automate personalised messaging and voice calls, helping debt collection teams increase recoveries, cut costs, and stay compliant.
Next Best Action Engine
Real-Time Action Selection
SMS @ 2:15pm • Friendly tone
AI outbound voice call queued
Payment plan email • Professional tone
Product promise
AI decides the next best action, then automates the outreach
We use AI to determine the next best action and automate personalised messaging and voice calls, helping debt collection teams increase recoveries, cut costs, and stay compliant.
Higher recoveries
AI-powered action selection prioritizes the accounts and strategies most likely to convert, maximizing every euro recovered.
Conversation-aware automation
Outbound journeys react to inbound replies, payment commitments, disputes, and self-serve actions without losing control of the workflow.
Lower operational drag
Designed to reduce operational drag through automated decisioning and execution, freeing your team to focus on exceptions and high-value accounts.
How it works
From data ingestion to conversation-aware recovery orchestration, PayPath IQ handles the control layer while continuously improving results.
Import your data
CSV, API, or SQL. We normalize it automatically so you can start immediately.
Configure the recovery OS
Set lifecycle windows, channel mix, contact policies, and escalation rules, then let AI select the optimal path for each account.
Launch two-way outreach across all channels
SMS, email, letter, and AI voice are orchestrated from one engine, with outbound actions adapting to live engagement signals.
Let replies and self-serve actions steer the journey
Inbound replies, portal payments, arrangement requests, and disputes update conversation state and trigger the next best action.
Track results and improve
AI learns from every outcome and gets smarter over time. What works today informs better decisions tomorrow.
AI optimization in action
Watch how AI learns the optimal channel-tone-time mix over 90 days. Strategies with better ROI receive progressively more volume.
Strategies are ranked by expected ROI — higher-performing strategies receive more volume, but the system always tests alternatives to find better approaches. No single channel is ever used exclusively, so the model keeps improving over time.
What makes PayPath IQ different
Built for teams that need measurable uplift, conversation-aware automation, and lower cost-per-dollar recovered.
AI that learns what works
Automatically identifies likely best-performing channels, timing, and messaging for each account. Continuously learns from interaction data to improve decisioning over time—early pilots indicate 15-25% higher recovery without manual testing.
Two-way messaging + voice orchestration
Launch SMS, email, letters, and AI voice from one control plane. Inbound replies pause the right journeys and preserve full context across every channel.
Self-service portals that work
Debtors pay, set up arrangements, and submit queries independently. Clients track collections, invoices, and performance in real-time. Designed to achieve up to 96% resolution without human intervention.
Conversation and dispute management
Threaded SMS and email conversations with full history, proof attachments, and status-aware workflows that keep disputes and queries moving.
Recovery OS control plane
Configure lifecycle windows, allowed channels, contact budgets, quiet hours, and exception policies without custom code.
Policy engine built in
Every contact is checked before sending. Shared caps across SMS, email, and calls, plus quiet hours and opt-outs, are enforced automatically.
Two-way messaging and AI voice in one operating system.
When the optimal next action is a call, PayPath IQ hands off to Vector Dial. Inbound and outbound AI voice handles routine conversations with ultra-realistic Irish accents while human agents focus on complex cases. Full context is preserved across every touchpoint.
AI voice handoff
Calls start with the same account context as messaging.
Irish-accent voice AI
Routine conversations handled automatically at scale.
Human-ready escalation
Agents step in only when complexity actually requires it.
Recovery Flow
Messaging to voice, without context loss
PayPath IQ coordinates the next step. Vector Dial executes calls when voice is the highest-yield action, then returns the outcome to the same account timeline.
Turn recoverable accounts into predictable performance.
See how PayPath IQ and Vector Dial work together across two-way messaging, AI voice, and self-serve resolution to increase recoveries and simplify operations.