Credit recovery via SMS Examples of messages for digital debt collection
Posted: Thu Apr 17, 2025 10:27 am
Need to collect digitally ? SMS messages are an alternative for credit recovery , allowing companies to contact delinquent customers directly in a quick, discreet and respectful manner.
With an opening rate of up to 98% , SMS ensures that the message is actually read, increasing the chances of a response and negotiation. In addition, it allows for personalization , which brings communication closer and improves the customer experience.
Another great benefit is the low cost , compared to traditional methods such as phone calls or letters. Bulk sending and automating messages also saves staff time and prevents strain on customer relationships.
By using SMS for billing, the company demonstrates professionalism and agility, in addition to preserving the brand's reputation and facilitating amicable agreements.
And of course, if you want to know more about credit recovery via SMS, come with Disparo Pro .
How can SMS help with credit recovery?
SMS is one of the ways to directly contact defaulting customers . Its opening rate can reach 98%, ensuring that the collection message will be seen quickly.
It provides a discreet, practical and accessible channel rcs data indonesia for both the sender and the receiver. Through short, objective and personalized messages, it is possible to remind the customer of the pending issue and offer simple means for regularization, such as payment links or support contacts.
Furthermore, SMS can be automated, making it easier to contact hundreds or thousands of people simultaneously, without overloading teams.
Why is SMS more efficient than phone calls or collection letters?
Phone calls are often ignored or blocked, and physical letters can take days to arrive — on top of the cost of shipping. However, SMS offers a powerful combination: immediate deliverability, low cost, and high read rates .
While a phone call can be uncomfortable and seem more invasive, SMS gives the customer the chance to read and respond at their own pace. This contributes to a more respectful relationship. It is also more economical, allowing companies to reduce billing costs.
What types of messages are best suited for SMS billing?
The most effective messages are short, clear and respectful . They should include the company name, a suggested action (such as “click here to pay”) and a direct link to contact or pay.
Messages with positive, friendly language work better than harsh or threatening demands. Templates like “Hello, [NAME], we have identified an outstanding balance with [COMPANY]. Please settle your situation by clicking here: [LINK]” are good practices.
>> Another tip is to avoid using the word “debt” and prefer terms like “pending” or “open invoice”.
Is it possible to personalize billing SMS with the customer's name?
Yes, and it makes all the difference! Personalizing the SMS with the customer’s name, invoice number or exact amounts makes the message more human and increases the chances of a response.
SMS sending platforms, such as Disparo Pro, allow you to automate this personalization, extracting data directly from your customer base. This practice creates a sense of exclusivity and personalized attention, showing that the company respects and knows its audience.
What is the best approach to not be intrusive when charging via SMS?
The key is in the tone of the message and the frequency of sending . The ideal is to maintain a cordial language, demonstrating empathy and a willingness to negotiate, without pressuring.
Phrases like “We are here to help you settle your balance” work better than “Last Notice.” Avoid sending messages at inconvenient times, such as very early in the morning or late at night.
Another point is to offer contact and negotiation options , rather than just demanding payment. Showing understanding for the customer's situation is necessary to maintain a good relationship and increase the collection success rate.
With an opening rate of up to 98% , SMS ensures that the message is actually read, increasing the chances of a response and negotiation. In addition, it allows for personalization , which brings communication closer and improves the customer experience.
Another great benefit is the low cost , compared to traditional methods such as phone calls or letters. Bulk sending and automating messages also saves staff time and prevents strain on customer relationships.
By using SMS for billing, the company demonstrates professionalism and agility, in addition to preserving the brand's reputation and facilitating amicable agreements.
And of course, if you want to know more about credit recovery via SMS, come with Disparo Pro .
How can SMS help with credit recovery?
SMS is one of the ways to directly contact defaulting customers . Its opening rate can reach 98%, ensuring that the collection message will be seen quickly.
It provides a discreet, practical and accessible channel rcs data indonesia for both the sender and the receiver. Through short, objective and personalized messages, it is possible to remind the customer of the pending issue and offer simple means for regularization, such as payment links or support contacts.
Furthermore, SMS can be automated, making it easier to contact hundreds or thousands of people simultaneously, without overloading teams.
Why is SMS more efficient than phone calls or collection letters?
Phone calls are often ignored or blocked, and physical letters can take days to arrive — on top of the cost of shipping. However, SMS offers a powerful combination: immediate deliverability, low cost, and high read rates .
While a phone call can be uncomfortable and seem more invasive, SMS gives the customer the chance to read and respond at their own pace. This contributes to a more respectful relationship. It is also more economical, allowing companies to reduce billing costs.
What types of messages are best suited for SMS billing?
The most effective messages are short, clear and respectful . They should include the company name, a suggested action (such as “click here to pay”) and a direct link to contact or pay.
Messages with positive, friendly language work better than harsh or threatening demands. Templates like “Hello, [NAME], we have identified an outstanding balance with [COMPANY]. Please settle your situation by clicking here: [LINK]” are good practices.
>> Another tip is to avoid using the word “debt” and prefer terms like “pending” or “open invoice”.
Is it possible to personalize billing SMS with the customer's name?
Yes, and it makes all the difference! Personalizing the SMS with the customer’s name, invoice number or exact amounts makes the message more human and increases the chances of a response.
SMS sending platforms, such as Disparo Pro, allow you to automate this personalization, extracting data directly from your customer base. This practice creates a sense of exclusivity and personalized attention, showing that the company respects and knows its audience.
What is the best approach to not be intrusive when charging via SMS?
The key is in the tone of the message and the frequency of sending . The ideal is to maintain a cordial language, demonstrating empathy and a willingness to negotiate, without pressuring.
Phrases like “We are here to help you settle your balance” work better than “Last Notice.” Avoid sending messages at inconvenient times, such as very early in the morning or late at night.
Another point is to offer contact and negotiation options , rather than just demanding payment. Showing understanding for the customer's situation is necessary to maintain a good relationship and increase the collection success rate.