Smart Collections
Identify balance and collect at the right time
Monitor the debtor's account balance in real time and collect automatically the moment funds become available. No action needed from the borrower, no fixed collection schedule, and no attempts on empty accounts.
Trusted by the leading financial innovators
Recover more, without scaling up your collections operation
Collect the instant the money lands
The engine checks the balance multiple times a day and collects via Smart Pix as soon as your rule is met.
Recovery that adapts to context
Automatic partial collection. If the debtor owes R$500 and has R$180, the engine collects the R$180 and keeps monitoring.
Zero action from the borrower
No slip to scan, no message to reply to, no call to answer. Belvo collects directly from the account when funds come in.
Launch in weeks, not quarters
Our system is fully modular and plugs into your existing credit stack.
Identify the balance through the bank connection
Smart Collections runs on the same Open Finance infrastructure that powers our banking data product in Brazil. Real-time account access, regulated by the Central Bank, with consent managed end to end.
Recover the money instantly, with no manual action
When the rule is met, Smart Collections triggers Smart Pix: recurring debit between accounts belonging to the same CPF (taxpayer ID), for the full or partial amount depending on the available balance. With no action from the borrower in between.
How it works
Our engine, your policies
Set as many rules per debt as you want. Each with its own date window and target amount: start with interest and penalties, ease off in the following days, end with a fallback.
Real-time balance monitoring
Via Open Finance, Belvo tracks the debtor's account balance and deposit patterns, multiple times a day.
Collection at the right moment
When there's enough balance, Belvo notifies your system via webhook, with timing calibrated to the borrower's history.
Smart Pix initiation
The collection is executed via Smart Pix, for the full or partial amount depending on the available balance.
Adapted to your credit products
Credit Card
Collect the bill the instant a balance comes in
Reduce bill delinquency without relying on traditional automatic debit or a collection schedule. The engine watches the cardholder's balance and collects via Smart Pix at the right moment.
Quick Loans
Recover installments when the paycheck lands
Personal loans and short-term credit. The engine collects the installment the instant a salary or Pix hits the borrower's account, without waiting for the manual schedule.
Payroll Loans
Settle private payroll loans straight from the salary account
Track the arrival of the borrower's salary and collect the private payroll loan installment via Smart Pix (same CPF) the moment the credit appears.
BNPL & Installment Plans
Recover installments without phone calls
Low tickets and short installments make calls and WhatsApp unworkable at scale. The engine collects the installment directly from the borrower's account the instant there's a balance.
AI COLLECTIONS
When Pix isn't enough, activate AI Collections
When a debt calls for negotiation, installment plans, or conversation, our AI talks with the debtor by voice and WhatsApp, the moment a balance appears.
- AI agents that adapt tone and offer to the debtor's profile
- Direct payment within the conversation via Smart Pix
- 24/7 operation with no call center, plus a tracking dashboard
FAQ
No. Smart Collections is a layer that connects to your existing flow. You keep your CRM, credit rules engine, and communication channels, and add Belvo to identify the right moment and execute collection via Smart Pix.
Yes. The borrower authorizes, via Open Finance, the balance monitoring and recurring debit between accounts of the same CPF. Consent is managed by Belvo within the regulatory standard and can be revoked by the borrower at any time.
Yes. Belvo is a Payment Transaction Initiator (ITP) regulated by the Central Bank of Brazil, with ISO 27001 certification and LGPD (Brazilian data protection law) compliance. The entire operation runs within the official Open Finance ecosystem.
Integration is modular. Belvo's team supports policy design and the first tests. Technical teams typically go to production in under two weeks.
74.8 million Brazilians are currently in default.
Your portfolio is probably already feeling it. The question isn't whether you need smarter collections. It's how much more you'll lose before you have it.