Automated payment reminder emails and SMS to clients

Purpose

1.1. Automate the process of sending payment reminder emails and SMS to clients in debt collection, ensuring timely notifications, reducing manual effort, improving collection rates, and supporting compliance with regulatory standards.
1.2. Enable automated escalation sequences—reminders based on overdue days, escalated notifications for persistent debts, and multi-channel automated client engagement.
1.3. Centralize tracking of reminder delivery (opened, bounced, replied, unsubscribed) and automate follow-ups.
1.4. Integrate automated messaging into CRM and accounting tools for full-cycle client communication.

Trigger Conditions

2.1. Payment due date reached or exceeded.
2.2. Partial payment received but balance remains unpaid.
2.3. Recurring invoices or scheduled repayment agreements.
2.4. Manual trigger by account manager in case review sessions.
2.5. Automated escalation after X days of no client response.

Platform Variants

3.1. Twilio SMS
• Feature/Setting: Automate SMS delivery with Twilio Programmable Messaging API; sample: POST to `/2010-04-01/Accounts/{AccountSid}/Messages.json` with recipient, message, and template.
3.2. SendGrid
• Feature/Setting: Automate email reminders via SendGrid's `/mail/send` API; include dynamic templates and scheduled sends.
3.3. Mailgun
• Feature/Setting: Automate transactional emailing with `/v3/{domain}/messages` endpoint; support personalized reminders.
3.4. Amazon SES
• Feature/Setting: Automate trigger-based emails via SendEmail API; set up event-based Lambda for automated send.
3.5. Outlook 365
• Feature/Setting: Automate email reminders using Microsoft Graph `/sendMail` API endpoint; integrate automator rules in Outlook.
3.6. Gmail API
• Feature/Setting: Automate sending reminders via `users.messages.send`; create automatable drafts and schedule dispatch.
3.7. Slack
• Feature/Setting: Automate DM or channel alerts to collectors with Slack API `chat.postMessage`; automate escalation mentions.
3.8. WhatsApp Business API
• Feature/Setting: Automate payment reminder message delivery with `messages` endpoint; support templates and document attachments.
3.9. HubSpot
• Feature/Setting: Automate reminder sequences using Workflow tools and Email/SMS integration actions.
3.10. Salesforce
• Feature/Setting: Automate multi-channel reminders using Process Builder, Flows, or Apex triggers linked with Digital Engagement add-ons.
3.11. Freshdesk
• Feature/Setting: Automate reminder ticket/email using Automations under Workflow Automator.
3.12. Zoho CRM
• Feature/Setting: Automate reminders with Workflow Rules; use Email/SMS fields linked to client contacts.
3.13. ActiveCampaign
• Feature/Setting: Automate payment sequence emails and SMS via Automations; use “Sends SMS”, “Sends Email” actions.
3.14. Klaviyo
• Feature/Setting: Automate payment communication flows using Triggered Flows and transactional messaging.
3.15. Pabbly Connect
• Feature/Setting: Automate message routing and delivery in workflows for due invoices, built-in SMS/Email modules.
3.16. ClickSend
• Feature/Setting: Automate SMS & email reminders using REST API `/v3/sms/send` and scheduled campaign setup.
3.17. Nexmo (Vonage)
• Feature/Setting: Automate SMS sending with `/sms/json` API for reminders, including delivery status callbacks.
3.18. Infobip
• Feature/Setting: Automator for multi-channel reminders; configure automated flows in the API or Flow builder.
3.19. Plivo
• Feature/Setting: Automate SMS via Message API `/v1/Account/{auth_id}/Message/`, automate sequencing for follow-ups.
3.20. Intercom
• Feature/Setting: Automate message nudges and emails using Series or custom bots with overdue payment triggers.
3.21. WhatsApp Cloud API
• Feature/Setting: Automate template reminder dispatch with `/v16.0/{Phone-Number-ID}/messages` endpoint.
3.22. Mandrill (Mailchimp Transactional)
• Feature/Setting: Automate transactional reminder emails with `/messages/send` API; setup repeat and triggered sends.

Benefits

4.1. Automates time-consuming manual follow-ups and reduces missed reminders.
4.2. Automatedly ensures prompt, consistent, and rule-based communication.
4.3. Automating multi-channel touchpoints increases the probability of successful debt recovery.
4.4. Automator sequences enable audit trails and compliance-friendly operations.
4.5. Automation minimizes human error, enabling scalable client communication.
4.6. Automates escalation logic to adapt urgency based on client response or lack thereof.
4.7. Improves tracking and reporting via automated logs and engagement stats.