What Is the Empathetic Collection Protocol? And why everyone gets AI collections wrong. It started with a fundamental misunderstanding. When companies first…
Ara Pay powered companies collect more.
Collect faster & more reliably without scaling your team.
ACCOUNTS RECEIVABLE AUTOMATION SOFTWARE
Operational efficiency without hiring
Save up to RM73,000 a year
per headcount
Each new collections staff member can cost you up to RM73,000 every year when factoring salaries, benefits, and management overheads.
Break free from the operational inefficiencies of manual teams and processes:
WhatsApp
blocking
Collections teams frequently get blocked, which confuses borrowers with messages from new numbers
Staff capacity
constraints
Human collections staff cannot keep up with the scale of outstanding accounts and burn out
Manual
processes
Manpower intensive processes, like Excel spreadsheets, don’t scale with collections growth
BUILT FOR CONSUMER FINANCE AND LEASING COMPANIES
Giving your customers 24/7 payment support
is now as easy as sending a text message.
100% portfolio
coverage
Instant deployment
(no hiring required)
24/7 chat engagement
including WhatsApp
Automated payment reconciliation
Complete conversation tracking & visibility
Scale your collections with AI agents specialized in the psychology, compliance, and communication of customer engagement without hiring new staff.
500
Account coverage per subscription
20+
AI agents driving negotiations
Multilingual
Support
including Bahasa Melayu
24/7
Automated engagement
TESTIMONIALS
How Our Clients Thrive With Ara
OUR PARTNERS AND CUSTOMERS
BUILT FOR CONSUMER FINANCE AND LEASING COMPANIES
Scale Your Collections Without Scaling Your Team
Our AI collection agents empower consumer finance and leasing companies to personalize engagements with every customer systematically, so you never lose revenue to operational capacity limits again.
AI-Powered text-based engagement
Our AI agents can engage any customer in your consumer lending or leasing portfolio through professional and personalized text conversations (including WhatsApp) with real-time oversight and complete automation of manual follow-up processes.
Excel-free portfolio management
Transform your manual tracking workflows with automated engagement and reconciliation using our integrated collection platform.
Enough Talk,
Get a Personalised Product Tour
Within a few clicks, you can start automating your order to cash processes
INTERNATIONAL RECOGNITION
Industry Insights & More
What We Learned About Our Customers in Q2 (And Why
Three months ago, I was convinced we needed to be talking to CFOs and Heads of Collections. After all, they…
The AI Competence Illusion
A few years ago, I recommended “Crucial Conversations” to a team member, Gabriel, because he struggled with having difficult conversations….
How Business Models Drive Ethics (Whether We Like It or
We spend so much time debating whether companies like OpenAI and Facebook, or their leaders, are “good” or “bad.” We should…
Why I Was Fighting the Wrong Battles in Negotiations
As a founder, getting back up when my legs were swept from under me became second nature during my startup…
The Hidden Struggles of our Lending Clients
In a recent post, I explored my journey from feature sales back to customer pain points. Like Marty, I went…
FAQs
Frequently Asked Questions
About Ara Pay
Where is Ara Pay based?
Ara Pay is headquartered in Singapore with a subsidiary in Malaysia. Our team operates from offices in Kuala Lumpur and New Delhi, focusing exclusively on serving the Malaysian market.
Which markets do you serve?
We currently focus exclusively on the Malaysian market, with plans to expand into other Southeast Asian markets in 2025. Our deep understanding of the Malaysian market allows us to provide highly effective collection solutions.
When was Ara Pay established?
Ara Pay was incorporated in Singapore in April 2024, with a Malaysian subsidiary established later that year. We’re a young company bringing cutting-edge AI solutions to the collections industry.
Who are your strategic partners?
Ara Pay is proudly supported by Microsoft as our AI technology partner, and backed by leading investors including Block 71, NUS Enterprise, Hustle Fund, and Iterative.
What types of businesses do you serve?
We primarily serve consumer and retail finance companies and debt collection agencies. Our platform excels in managing consumer receivables, with capabilities to handle business receivables as well.
Technology and Features
How do you use AI to automate accounts receivable collection?
Our AI agent is able to automatically message your debtors on Whatsapp and email 24/7, offer payment plans to boost collections through various payment channels.
Do you offer payment plans?
Yes. Our AI agents can automatically create and manage weekly or monthly payment plans.
The system sends timely reminders one day before and on the day of scheduled payments to help keep debtors/borrowers on track.
Can conversational AI agents be rude?
No. Our AI agents are designed to be consistently polite while remaining persistent.
They help people manage their debt obligations with empathy and objectivity, maintaining respectful communication at all times.
Are the AI chat responses pre-scripted?
No. While clients can customize the initial engagement message, all subsequent interactions use generative AI.
Our agents respond naturally and empathetically to each unique conversation, guided by principles rather than scripts.
What languages does your system support?
We currently focus on Bahasa Melayu and English, providing comprehensive support for the Malaysian market.
How does your system track payments?
We integrate directly with payment gateways, enabling real-time payment tracking.
When payments are made, funds flow directly to your account while our system automatically updates records and generates receipts.
How does your AI system handle customer verification?
Our AI performs verification by confirming the borrower’s full name and last four digits of their IC number.
Information remains anonymized until verification is complete, ensuring security and compliance.
What reporting or collection analytics do you provide?
We provide detailed weekly reports on AI agent performance, with optional daily reporting available.
These reports help you track collection progress and agent effectiveness.
How many AI agents can I have?
We start with 500 agents, enabling 500 simultaneous debtor/borrower negotiations. Our platform can scale to support 20,000 or more agents based on your needs.
Whatsapp and Compliance
Are you allowed by Meta to do accounts receivable collections via chat (e.g. Whatsapp)?
Yes. While Meta prohibits debt collection activities, our platform operates as an accounts receivable management solution, which is permitted.
We focus on professional, respectful payment follow-ups rather than aggressive collection tactics, aligning with Meta’s guidelines.
Do I need a WhatsApp Business API?
No. We can work with or without WhatsApp Business API. Our system is flexible and can accommodate either approach based on your needs.
How do you prevent number blocking?
Our respectful, clear, and transparent approach results in extremely low blocking rates. By maintaining professional communication and focusing on helpful payment solutions, we avoid the typical blocking issues faced by traditional collection methods.
Can we use our own branding?
Yes. Our platform is fully white-labeled, allowing you to use your company’s logos and colors throughout the entire experience – from messages to payment portals.
Documentation and Process
What documentation do you provide?
We automatically generate and send official PDF documentation via WhatsApp for all key actions:
- Settlement confirmation letters
- Payment plan agreements
- Payment receipts and confirmations
These documents serve as official proof of arrangements and payments made
How does the money flow work for accounts receivable collections in Malaysia?
We use Bank Negara Malaysia certified payment gateways for all transactions.
When a debtor/borrower makes a payment, the money flows directly from the payment gateway to your bank account within 2-3 business days. Ara Pay never handles the funds directly.
Pricing and Implementation
How does your pricing model work?
Our pricing has three components:
- One-time setup fee
- Annual subscription (based on number of AI agents, starting at 500)
- Success fee (percentage of successfully collected amounts)
What’s the implementation process like?
Implementation takes 3-4 weeks and focuses on:
- Setting up your branding and brand voice
- Integrating with payment gateways
- Configuring AI agents for your specific needs
What integrations do you support?
After successful pilot completion, we integrate with your systems to ensure real-time data synchronization, including payment gateways and financial data systems for up-to-date debtor/borrower information.
How long does it take to get started?
Due to current demand, we maintain a waiting list. Upon payment of 50% of the setup fee, we schedule your implementation within 5-6 weeks. The remaining setup fee is paid after successful delivery.
Success Metrics and Security
Our travel packages typically include accommodation, transportation, and some guided tours. Check the details to see what’s specifically covered for each package.
How do you collect receivables faster? What results can I expect?
Our AI agents can proactively reach out to your debtors 24/7 when they can respond while offering payment plans to them that deliver results.
Our contactability rate is 7 x higher than the industry standard and we have collection rates that match or surpass the industry average.
How do you handle data security?
All data is stored in Microsoft Azure cloud infrastructure, ensuring PDPA and GDPR compliance. We maintain strict security protocols and regular updates to protect sensitive information.
Our Technology and Features