Collections Call + Payment Link

How it runs, step by step

1. 01
   TRIGGER

   Tool call: handle_payment

   The agent invokes handle_payment when the caller is ready to discuss their balance.

2. 02
   MEMORY

   Read account

   Pull the balance and promise-to-pay history from Zep.

3. 03
   VOICE

   Required disclosure

   Deliver the mini-Miranda and any jurisdiction-required disclosures.

4. 04
   AI AGENT

   Handle objection

   Detect willingness to pay and respond to objections.

5. 05
   BRANCH

   Pay now?

   Branch on whether the caller will pay during the call.

   • if willing → Capture payment
   • if not now → Record promise-to-pay
6. 06
   INTEGRATION

   Capture payment

   Collect card details over the keypad and tokenize via VoicePay, so the digits never reach the agent.

7. 07
   INTEGRATION

   Record promise-to-pay

   Log the promised payment date to memory.

8. 08
   BRANCH

   Payment approved?

   Branch on the payment processor response.

   • if approved → Confirm payment
   • if declined → Send payment link
9. 09
   VOICE

   Confirm payment

   Confirm the payment and that a receipt is on its way.

10. 10
    INTEGRATION

    Send payment link

    Text a secure hosted payment link for the caller to use later.

11. 11
    INTEGRATION

    Text receipt

    Send a payment receipt by text via Twilio.

12. 12
    MEMORY

    Save outcome

    Write the call outcome and next action to Zep.

13. 13
    END

    Return tool result

    Return the result to the agent.