AI agent for debt collection · Brazil

Your AI agent that recovers revenue automatically

Dyvit negotiates overdue payments via WhatsApp and confirms payments via Pix. No call center needed, no manual process, 24 hours a day.

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While you slept, I recovered 47 overdue payments.
Proven results

Numbers that matter

+34%

Average increase in recovery rate within the first 30 days of operation

R$300B+

In overdue receivables across Brazil's financial system, Latin America's largest debt collection market

<5 min

Average time from first contact to confirmed payment via Pix

Real results

Those who use it, recover

"R$2.1M recovered in 60 days, without adding anyone to the team. Dyvit took over routine volume and our team shifted to strategic cases."

Head of Collections Personal credit fintech

"Contact rate went from 12% to 68% in the first month. WhatsApp changes everything: the customer is already there, no need to call."

VP of Revenue Energy company

"Reduced our involuntary churn by 41%. Subscribers with failed payments now resolve via WhatsApp before canceling."

Finance Manager B2B SaaS, recurring revenue

From portfolio to
payment, automated

Seven steps. Zero human intervention. Measurable results from day one.

01Import portfolioUpload via API, SFTP, or spreadsheet. Dyvit validates, cleans, and imports your portfolio automatically. No engineering required.
02Score & segmentationThe AI model scores each debtor based on history and behavior, prioritizing the most recoverable accounts first.
03WhatsApp outreachThe agent starts a personalized conversation on WhatsApp, the channel where 99% of Brazilians are already active. No new app to install.
04AI negotiationThe engine adapts the offer in real time: installment plans, discounts, deadlines. Always within the guardrails you configured.
05Pix link generatedWhen a deal is closed, Dyvit automatically generates the Pix payment link with the configured amount, due date, and key. All within the chat.
06Confirmation in secondsPix settles in under 10 seconds. Confirmation sent to the debtor, Dyvit's system, and your ERP simultaneously.
07ERP/CRM syncAutomatic write-back to your source system via real-time webhook. Your financial reports always up to date.
Negotiation engine

Not a bot.
A negotiator.

Dyvit's AI agent analyzes each debtor individually and adapts strategy, tone, and offer based on each person's behavior and financial capacity. Empathetic, precise, and within your rules.

Dynamic negotiation: strategy adjusted each turn based on responses
Configurable guardrails: the agent never exceeds the limits you set
Smart escalation: complex cases are automatically routed to your human team
Always respectful tone: no threats, focused on making payment easy

Who Dyvit
works for

Any company with a delinquent debt portfolio. Some segments see especially strong results.

Fintechs & Banks
Personal credit and BNPL
Recover overdue installments without inflating your collection CAC. Integrates with core banking via API.
Utilities & Telecoms
Energy, telecom, and water
Reduce delinquency on bills before disconnection. High volume, predictable ticket, immediate results.
SaaS & Subscriptions
Recurring revenue at risk
Recover subscribers with failed payments before they cancel permanently.
Retail & Store Credit
In-store credit programs
Complex store credit portfolios segmented, prioritized, and activated automatically.
Healthcare & Clinics
Monthly fees and procedures
Collections with an empathetic and respectful tone, essential for maintaining the patient relationship.
Enterprise
Large portfolios
Unlimited scalability. Thousands of simultaneous conversations, near-zero marginal cost.
Market timing

Three forces. One window.

Pix Automatico now mandatory
Since January 2026, all banks in Brazil are required to support recurring Pix. Installment plans with native automatic debit. No boleto, no friction.
LLMs have reached maturity
Language models have crossed the threshold for nuanced negotiation in Brazilian Portuguese. Conversations that once required humans now run on AI.
WhatsApp API 60% cheaper
Cost per conversation has dropped 60% since 2023. High-volume debt collection via WhatsApp is now economically viable for any portfolio.

Connects with what
you already use

Full REST API, real-time webhooks, and native connectors for the leading ERPs and CRMs in the Brazilian market.

TOTVS SAP Oracle NetSuite Oracle NetSuite Omie Conta Azul Stripe PagSeguro Adyen Asaas HubSpot Pipefy API REST Webhooks SFTP
Compliance

Built for compliance

Native LGPD (Brazil's GDPR)
Consent, opt-out, data deletion, and portability built into the architecture. 100% stored in Brazilian data centers.
CDC (Consumer Protection Code)
No contact on Sundays or holidays. Configurable frequency per client. Immediate and automatic opt-out at any time.
BACEN (Central Bank) / Pix
Transaction limits, anti-money laundering, and native traceability. Direct integration with PSPs regulated by the Central Bank of Brazil.
WhatsApp Business Policy
Pre-approved templates by Meta. Quality rating monitored automatically. Gradual number warm-up to prevent bans.
Pricing

Simple, predictable,
results-driven

Growth
Growth
R$2,900/mo
For portfolios up to 5,000 contracts and teams starting automation.
  • Up to 5,000 active contracts
  • WhatsApp negotiation
  • Automatic Pix links
  • Analytics dashboard
  • 2 native integrations
  • 3% success fee
  • Email support
Join waitlist
Most popular
Scale
Scale
R$8,900/mo
For mid-size operations with higher volume and advanced integrations.
  • Up to 50,000 contracts
  • Everything in Growth, plus:
  • Payment propensity scoring
  • Human agent escalation
  • Up to 5 native integrations
  • 2% success fee
  • Dedicated support + Slack
Join waitlist
Enterprise
Enterprise
Custom
For large banks and fintechs with specific requirements and volume.
  • Unlimited volume
  • Everything in Scale, plus:
  • Optional white-label
  • Contractual SLA
  • Dedicated deployment
  • 1% success fee
  • Customer Success Manager
Talk to sales
Success fee decreases by plan: 3% on Growth, 2% on Scale, 1% on Enterprise, charged only on revenue actually recovered. You only pay for results.

Frequently asked questions

You connect your portfolio via API or upload. The agent initiates contact via WhatsApp, negotiates within the limits you configured, and sends Pix payment links when a deal is reached. Fully autonomous, 24/7, no call center needed.
Not necessarily. Dyvit handles routine volume autonomously. Complex cases are automatically escalated to your team. The result: your team focuses on what drives the most strategic value.
When a deal is closed, Dyvit generates a Pix link with the configured amount, key, and due date. The debtor pays in seconds through their banking app, and confirmation arrives immediately via webhook.
Absolutely. You set discount limits, installment plans, contact hours, and escalation criteria. The agent never offers terms beyond what you authorized.
Yes. Consent, opt-out, data portability, and deletion are built in natively. 100% stored in Brazilian data centers. AES-256 encryption at rest and TLS 1.3 in transit.
For spreadsheet or simple API integration, your first campaign can go live in 5-7 business days. ERP integrations like TOTVS or SAP take 2-4 weeks on average.
Get started

Recover what's
yours.

See how Dyvit transforms your recovery rate in 30 days. Without changing your team or your systems.

Start free Book a demo
No lock-in contract Implementation in days LGPD-compliant 24/7 operation