AI Voice Agents Built for Regulated Collections
Deterministic AI agents designed exclusively for the collections industry.
MEGA automates compliant customer conversations, secure identity verification (ID&V), payment resolution, dispute handling, and vulnerability detection all within a fully auditable framework.
Built for collections agencies, creditors, utilities, and regulated financial environments where every conversation matters.
Interact with a MEGA.AI agent and experience how deterministic AI handles real collections conversations from identity verification to secure payment resolution, dispute handling, and escalation.
Automating the Collections Lifecycle
MEGA AI agents automate the most critical interactions across the collections lifecycle.
From identity verification and first contact to payment resolution, dispute handling, vulnerability management, and escalation, our deterministic AI agents manage customer conversations while maintaining compliance, empathy, and operational consistency.
Organizations can scale customer engagement, increase recovery rates, reduce operational costs, and maintain full governance — without increasing headcount.
Explore MEGA Product Capabilities
MEGA is built specifically for regulated collections environments. Each capability below represents a core part of the operational infrastructure required to automate collections safely, compliantly, and at scale.
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Identity Verification (ID&V)
Secure multi-step identity verification before any sensitive account discussion begins.MEGA verifies the correct individual, prevents third-party disclosure, and creates a fully auditable verification trail.
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Customer Engagement
Automate early-stage customer conversations including balance clarification, payment discussions, and responsible next-step guidance.
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Accounts Receivable
Automate payment reminders, account clarification, and payment plan conversations with deterministic AI designed for regulated environments.
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Cash Collection
Automate structured collections conversations, payment resolution, and escalation scenarios while maintaining compliance and customer trust.
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Dispute Handling
Identify disputes early, collect structured information, and route cases to the correct teams with full transparency and control.
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Payments & Payment Resolution
Collect payments securely through secure payment lines, DTMF input, SMS payment links, and self-service portal routing.
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Platform Integrations
MEGA integrates deeply with debt collection platforms, CRM systems, payment providers, case management tools, and self-service environments.
Button TextReal Call Flow Examples
To understand how MEGA AI agents operate in real regulated collections environments, explore examples of our deterministic call flows.
These audio scenarios demonstrate how the AI handles:
Identity verification
Payment reminders
Dispute
Handling
Affordability checks
Payment plan discussions
Vulnerability indicators
Bereavement and sensitive cases
ID&V -> Transfer
At the start of every AI voice interaction, precision and safety matter most. Responses must be reliable, and when in doubt, the system prioritises caution. And whenever needed, conversations can seamlessly transition to a human agent for personalised support.
Anna:
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Tommy (DE):
Customer Payment
Next step:
You owe 116 pounds and 42 pence to Acme Inc.Are you able to make a payment today?
Oliva:
Peter (NL):
Customer Installment Plans
If the user is unable to pay the full amount, the next logical step is to offer a payment plan.
Anna:
Nicolas (FR):
Affordability Check
In some cases, the best first step is to conduct an affordability check before asking the user to make a payment.
Addison, Aus (short):
Anna (long):
Customer Disputes
Our AI voice agent manages disputes by clarifying the issue, collecting key details, and categorising the case for resolution. It ensures every interaction remains factual, calm, and compliant.
Charles (long conversation):
Camilla (DK):
Bereavement
Our AI voice agent handles bereavement cases with care and structure. It asks a focused series of questions to understand the estate’s status, remaining assets, and next steps, ensuring the process stays respectful and efficient.
Anna (long):
Daniel (short):
Secure Payment Resolution
MEGA enables organizations to collect payments directly during voice interactions using secure, compliant payment options built for regulated environments.
Secure Payment Lines
Customers can complete payments securely during the call using PCI-compliant payment flows.
DTMF Payment Capture
Sensitive payment details can be entered securely via keypad input, ensuring the AI-driven conversation remains compliant while protecting customer data.
SMS Payment
Links
Customers can receive secure payment links by SMS during or after the conversation, allowing them to complete payment when convenient.
Self-Service Portal Routing
Where appropriate, MEGA can route customers directly into secure self-service payment environments or client portals.
Flexible Resolution Paths
Customers can make full payments, partial payments, or agree structured repayment plans depending on business rules and affordability logic.
These payment options increase conversion, support customer choice, and allow organizations to resolve more accounts without compromising compliance.
Deterministic AI — Not Probabilistic Guesswork
Most AI systems rely on probabilistic language models.
That may work in general customer service environments. But in collections, unpredictability introduces risk.
MEGA AI agents operate using deterministic logic. Every conversation follows controlled pathways, approved business rules, and defined compliance frameworks.
No hallucinations
No uncontrolled outputs
No compliance surprise
Compliance Built Into the Platform
Compliance is not a feature added to MEGA after the fact
It is built into the platform architecture from the ground up.
Enhancing Sensitivity in Debt Collection with VRS Integration
Through our partnership with the Vulnerability Registration Service (VRS), MEGA AI agents prioritize the needs of vulnerable individuals while managing collections. By integrating VRS data, MEGA ensures compassionate, compliant communication.
Provide immediate support and follow up with SMS links for further assistance.
Transfer sensitive cases to live representatives for personalized support.
Leverage VRS data to classify sensitivity levels for respectful communication.
Provide immediate support and follow up with SMS links for further assistance.
Transfer sensitive cases to live representatives for personalized support.
Leverage VRS data to classify sensitivity levels for respectful communication.
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Meet Our Esteemed Advisory Board
At MEGA, our Advisory Board of top industry leaders brings decades of expertise and strategic insight, guiding our mission to transform the Collections process. Their involvement ensures innovation, compliance, and trust, reinforcing MEGA as a reliable partner across industries like finance, telecom, and utilities. Their backing highlights our commitment to excellence and customer confidence.
Kevin Still is a seasoned leader with 38+ years of expertise in public sector, finance, and credit management. Director of Consumer Duty Services, BSI ISO 22458 consultant, and NED for VRS, he specializes in strategic planning, compliance, FinTech, and large-scale Agile projects
Chris, an accomplished executive with 15+ years of global experience, excels in driving transformation and performance improvements. With expertise in financial services and telecommunications, he specializes in the customer lifecycle and shares insights at events, fostering innovation and collaboration.
Why MEGA?
MEGA’s AI agents are purpose-built to solve the challenges of Collections process, offering scalable, autonomous communication solutions. With expertise in outbound calling, compliance, and data-driven insights, MEGA drives results and enhances customer satisfaction.
“MEGA has drastically improved our collection rates and streamlined our process.”
UK debt collection company
Built-In Compliance and Quality Assurance
MEGA’s AI agents operate with strict adherence to Collections regulations. From assertive yet empathetic communication to customizable compliance features, MEGA minimizes risk while ensuring high-quality interactions.
Seamless Integration with Your Existing Systems
MEGA AI agents integrate effortlessly with Collections systems, providing real-time updates across order management, invoicing, and collections. This creates a unified workflow, adapting to your operations while simplifying account management.
A Balanced Approach to AI Automation
MEGA enhances human capabilities within Collections by automating routine tasks while escalating complex or sensitive cases to human agents. This balanced approach ensures efficiency and a personalized touch where it matters most.
See MEGA AI© in Action
Interact with MEGA’s AI agent to experience Collections automation firsthand.
Contact us for any questions.
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