Use case
EMI reminders that get paid, not blocked.
A short, useful reminder at the right time, a button to pay, and a person when the customer has a question.
Illustrative journey
The journey, step by step
Three days before the due date
A utility template with two variables and a tracked "Pay now" link.
Hi Ramesh, your EMI of ₹12,450 for loan ending 4821 is due on 05 Nov 2026.
Pay nowTalk to usOn the due date, if not paid
Sent only to customers your system marks as unpaid, through an uploaded file or segment.
Your EMI of ₹12,450 is due today.
Pay nowI've paidThe customer asks a question
The journey hands the chat to the Collections team with the loan number captured.
Can I pay on the 10th?
An agent replies
Free-form replies are allowed because the customer wrote in the last 24 hours.
Yes, Ramesh. I've noted the 10th. You'll get a reminder that morning.
What you set up
- 01One or two utility templates, checked before submission
- 02A segment or daily file of customers with an EMI due
- 03A schedule with a send window that suits your customers
- 04A reminder journey from the ready-made template, adjusted to your wording
- 05A Collections team with routing and an SLA
Guardrails built in
- Contacts who opted out are excluded automatically
- Maker-checker approval before each campaign
- Sending pauses if your number's quality rating drops
- The 24-hour window is enforced for free-form replies
Related
- CampaignsCampaigns with consent checks, approvals, pacing and a live monitor.
- TemplatesA template studio with a live phone preview and a pre-submission checker.
- Designing an EMI reminder journey that customers don't blockHow to plan the timing, wording and follow-ups of WhatsApp EMI reminders so they help borrowers and protect your number.