Recover what you're owed without paying a collection agency.
Aura Pay reminds each customer what they owe, with your business name and your rules, and the same message includes a link to pay by card, OXXO, SPEI or direct debit. Every payment lands in your account and reconciles itself.
How it works, in 3 steps
Upload your receivables
Excel or CSV, or straight from your system via API. Loans, rents, tuition, monthly fees or invoices.
Aura Pay reminds and collects
Campaigns by stage: a heads-up before the due date, reminders with a payment link, payment promises and a payment-plan offer within the limits you set.
You watch the money come in
Each payment marks its debt as paid, notifies your system and shows up in your summary: how much you recover, who promised to pay and who needs your team.
Everything a collection agency does, from your payments account.
Debt Collection lives inside Aura Pay: the same account you already use to get paid, now also to recover.
Reminders that collect
Every message carries an Aura Pay payment link. Your customer pays right then, without asking you for transfer details.
Payment plans with automatic charges
Split a debt into payments. Your customer accepts it on WhatsApp and each payment is charged automatically by card or direct debit.
Customer portal
A page with your brand where your customer sees what they owe and sorts it out alone: pay in full, set up a plan, promise a date or ask to talk to someone.
Official WhatsApp with your name
Your number verified by Meta and your business name. Aura Pay manages the templates and the sending.
Risk-based priority
Each account is scored on its payment history so you know whom to collect today, whom to negotiate with and what to hand to your team.
Reconciliation and reports
Payments match their debt automatically. Reports on what you recovered, receivables aging, payment plans and a contact log for your accountant.
Respectful collection rules
From 8:00 to 21:00 in the customer's time zone, at most one contact a day, never to references or relatives and always with your business name. Designed to comply with Condusef and Profeco.
AI calls
It calls, listens to the payment promise and records it on its own. If your customer gets upset, it hands over to someone on your team.
Aura Pay versus a collection agency
An agency usually keeps 20 to 35% of what it recovers. With Aura Pay you pay a fixed price plus what you use, and your customer keeps talking to your business.
| Item | Collection agency | Aura Pay Debt Collection |
|---|---|---|
| What it costs you | 20 to 35% of what is recovered | MXN 1,999 a month plus usage |
| Who talks to your customer | A third party, in its own tone | Your business, with your name and your rules |
| How your customer pays | A deposit or transfer you then have to match | A payment link in every message: card, OXXO, SPEI or direct debit |
| When you get the money | When the agency settles with you | In your Aura Pay payouts, like any other payment |
| What you see | A monthly report | Every contact, promise and payment, as it happens |
A clear price, not a percentage of what you recover.
MXN 1,999
per month
- Receivables, campaigns, payment plans, customer portal and reports
- Email reminders and account statements
- Automatic reconciliation with your system
Plus usage: official WhatsApp messages and, once you turn them on, AI calls. You can see what you have spent so far under “Plan and fees”.
Payments that come in through the links carry the normal Aura Pay fee per charge (from 3.9% + VAT).
Available for businesses in Mexico. The price is charged in Mexican pesos (MXN).
What you connect and what Aura Pay already includes
You connect these, with your own contract
- Official WhatsApp: your number, verified by Meta.
- Buró de Crédito or Círculo de Crédito: your user and your contract. The lender runs the credit check, with the customer's signed authorization.
- Your system or ERP: via API or with Excel.
Included in Aura Pay
- Payments with Aura Pay: card, OXXO, SPEI and direct debit.
- AI calls (per minute).
- Advanced electronic signature of agreements and promissory notes. Today they are signed with a simple electronic signature and a certificate. Coming soon
- Automatic identity verification. Today your customer uploads an ID and a selfie, and you review them. Coming soon
- Email for account statements and reminders.
Installment credit
Sell on credit with your own money. Your customer reviews the plan, verifies their identity and signs from their phone, and Aura Pay collects every payment on its date.
- Your plansBiweekly or monthly, down payment, with or without interest and your approval limits.
- Your customer signs onlineThey see their payment schedule and total cost, upload their ID and sign the agreement from their phone.
- Automatic collectionEach payment is charged to their card; if it is late, it goes to your Collections.
You grant the credit, decide who gets it and bear the risk. Aura Pay only gives you the tool: it does not lend and is not a lender.
Open Installment creditQuestions about Debt Collection
Who collects: Aura Pay or my business?
Your business. Aura Pay is the tool: you own your receivables, messages go out with your name and payments are deposited into your account.
How is it different from a collection agency?
An agency charges a percentage of what it recovers and talks to your customers its own way. With Aura Pay you pay MXN 1,999 a month plus usage, you set the rules and every reminder already includes the link to pay.
Does it follow collection rules?
The rules come switched on: only from 8:00 to 21:00 in the customer's time zone, at most one contact a day, always with your business name and the amount, never to references or relatives, and it hands over to a person if the customer gets upset. Discounts only with your approval.
What do I need to get started?
An active Aura Pay account and your receivables in Excel, CSV or via API. You turn on Debt Collection from your dashboard, import your receivables and create your first campaign.
Do I have to connect official WhatsApp or the credit bureau?
Not to get started: you can send email reminders from day one. Official WhatsApp (your number verified by Meta) and Buró or Círculo de Crédito are connected by you, with your own contract, whenever you want.
What if my customer wants to pay in parts?
You offer a payment plan: your team builds it, the AI proposes it within your limits or your customer sets it up alone in their portal. Each payment is charged automatically by card or direct debit.
Stop chasing payments by hand.
Upload your receivables today and let Aura Pay remind and collect for you, with your rules.