# Sympana: Managed Payment Recovery Service for Creditors

> Recover overdue invoices and failed payments before write-off. No implementation or monthly fee: you only pay for what we recover, plus AI usage costs.

Source: https://sympana.com/

Managed recovery for creditors.

We work your past-due accounts in your name, starting with the first missed payment. AI handles the routine conversations. Our team runs the program and counts only payments that clear.

For creditors with $100,000 or more in past-due balances each month.

**Pricing:** No monthly fee. No implementation fee. You only pay for what we recover: our recovery fee, plus AI usage costs paid up front.

## Calls, texts and emails to your customers in your name, logged on the account

- **Calls and callbacks**: We call the accounts you choose and answer callbacks. Anyone who asks for a person is transferred the way you agreed.
- **Texts and emails**: Reminders with the amount, the due date and a link to pay. Replies land on the right account.
- **Account record**: Every call, message and payment update sits on the account it belongs to, so your team never starts from scratch.

## We follow up at each stage, from the first missed payment to write-off

- **First missed payment**: A reminder soon after the first miss, while it’s still easy to sort out.
- **Failed card or bank payment**: An expired card or a changed account. They get a secure link to update it or pay.
- **Past-due invoice**: Reminders by text, email and phone. Billing questions go to whoever handles billing on your team.
- **Last stage before write-off**: One more round of follow-up before you’d send it to an agency or write it off.

## Four example plays

Sample messages, with no real account data.

- **First reminder**: A short text with the amount, the due date and a link to pay.
- **Failed payment**: A link to update the card or bank details.
- **Last reminder**: A last reminder that leaves room to ask for a plan.
- **Handoff with full history**: Whatever is still unpaid comes back to you at the agreed point, with its full history.

## When a customer says

Typical replies, and what happens next, handled by rules you approve.

- “I already paid this.” Follow-up on that account pauses, and your team reviews it.
- “Can I talk to a real person?” They’re transferred the way you agreed. If no one can take the call, we set up a callback.
- “My card expired.” They get a link to update the card or bank details.
- “Can I pay in two parts?” The request goes to your team to decide.
- “Who is this?” The assistant gives your company’s name and the invoice, and says it’s automated.
- “I’ll pay it Friday.” Logged as a promise to pay. It doesn’t count until the payment clears.

## We review calls after launch

No change goes past what you approved.

After launch, our team reviews real conversations, fixes what goes wrong and tests each change on a small group first.

## You set the rules before the first call goes out

- **Your wording and contact rules.** You approve the wording, payment options and contact rules before launch.
- **Your name.** Customers see and hear your company’s name. The assistant never pretends to be a person.
- **Your team handles disputes and hardship.** Disputes, hardship and sensitive questions go to your team, the way you agreed.
- **Disputes pause follow-up.** We don’t keep asking for payment while a question is open.
- **Your payment system is the record.** A payment counts only when your payment system confirms it. Promises don’t count.
- **Only the access the work needs.** We connect through an API or an export, scoped to your account and payment data.

## Connects to dialers, collections software and payment systems like these

We connect to your account, payment and phone systems, so every conversation starts from the right balance. We confirm fit with your setup before launch.

- **Retell AI**: Voice AI for supported inbound and outbound calls.
- **Vapi**: Voice infrastructure for supported AI calling.
- **GoHighLevel**: Contacts, workflows and supported calendar actions through Sympana Connector.
- **Your account and payment systems**: API or export connections, scoped around your data and payment process.

Systems Sympana can connect to:

- CRM & workflows: GoHighLevel
- Dialers & contact center: LiveVox, Five9, tcn
- Payments: PayScout, PaymentVision, Channel Payments, REPAY
- Collections software: Latitude Software, finvi, InterProse

Connecting to a system does not make it a partner.

**Partners:** Our trusted partners include Retell AI, Vapi AI, SigmaMind, Anyreach, PureTalk AI, Smallest AI and GoHighLevel. We are also a system integrator for Vapi, Retell AI, Anyreach, Smallest AI and SigmaMind. [Trusted by](https://sympana.com/customers).

## Hear what our clients say about us

> We are automating 100% of our routine outreach and driving a 30% increase in recovered revenue, while also reducing our overall cost to collect by 25% without adding headcount.
>
> Dr. Bronner, NMD, CEO, Integrative Health Solutions (Collections outreach)

> We are automating 85% of our routine outreach and have seen a 24% increase in recovered premiums without adding any headcount.
>
> Austin C, CEO, Annuity Cases Now (Policyholder communications)

> We are automating 70% of our daily operations and seeing a 35% improvement in recovery rates without the need to hire more staff.
>
> Andrew F, CEO, Zen Medical (Collections workflow)

> We are automating 100% of our initial collections workflow and driving a 32% increase in profit margins without adding operational overhead.
>
> Kemas, 99 Group.co (White label collections)

> We are automating over 60% of our billing workflows and have seen a 28% increase in patient collections without adding any administrative headcount.
>
> Aaron B, The In Group (Patient revenue cycle)

**Transfers and card payments on a high-volume collections line.** Calls weren’t reliably reaching the client’s human agents, and card numbers read aloud came through wrong. Here’s what we did, and what six months of call records show. 240,642 live transfers · 184 days · 5,012,651 call records reconciled. What we did: a new transfer path; card errors escalated to the voice platform. These records don’t show cash collected. The growth in calls over these months is the client’s. [Read the case study](https://sympana.com/case-studies/client-a).

## A note from Emanuel

I started Sympana in December 2022, here in Bellevue, building AI phone systems for businesses. A lot of that work turned out to be collections calls: getting a caller to the right person, taking a card payment over the phone, the parts that break.

An overdue account can start with something small. A missed email. An expired card. A hard month. So we reach out early, in your name, and make paying easy. Anything sensitive goes to your team.

We only count money that actually clears. There’s no monthly fee and no implementation fee. You pay our recovery fee on what clears, plus AI usage, paid up front.

If that’s how you’d want your customers treated, let’s talk.

Emanuel Termure, founder

## We’re paid on what we recover

Before launch, we agree which accounts we work and how cleared payments are counted. A promise to pay is not a payment.

No monthly fee. No implementation fee. You only pay for what we recover: our recovery fee, plus AI usage costs paid up front.

## Enterprise-grade security and compliance

Trusted by healthcare organizations that demand the highest standards of data privacy and regulatory compliance.

- HIPAA: Compliant. Health information privacy.
- SOC 2 Type II: Attested. AICPA Trust Services Criteria.
- PCI DSS: Compliant. Payment data security.

## Frequently asked questions

### What does it cost?

You only pay for what we recover. No monthly fee and no implementation fee: just our recovery fee on cleared payments, plus AI usage costs paid up front. We agree both before launch.

### How much needs to be past due to start?

Usually $100,000 or more past due each month. Fit also depends on the accounts and on accurate payment data.

### Do you tell customers it’s automated?

Yes. It says it’s automated and uses your company’s name. Our team builds and runs it, and your team takes the cases that need a person.

### Will it sound like us?

Yes. Outreach uses your company’s name and approved wording. You set the payment options, the contact rules and what goes to your team.

### How do transfers to our team work?

We agree when to transfer and who takes the call. Disputes and hardship requests go to your team.

### What counts as a recovered payment?

A payment counts once it clears in your payment system. A promise, a clicked link or a good call is not proof of payment.

### What happens with disputes?

Follow-up pauses and the account goes to your team for review. We don’t keep asking for payment while the question is open.

### Do we have to change our systems?

No. We review what you use today, then connect through an API or a reliable export, scoped to your account and payment data.

## Bring your aging numbers. We’ll show you where we’d start

[Book a Call](https://sympana.com/booking) · [How payment recovery works](https://sympana.com/payment-recovery)