The Negotiator
Payment plan negotiation AI built for flexible payment options in collections.
When customers cannot pay in full, the conversation shifts from demand to design. The Negotiator guides realistic partial-payment paths, validates every offer against your treasury rules, and helps teams negotiate with overdue customers without improvising on every call.
Industry signal
69%
of billpayers prioritize payment when offered flexible payment options. The Negotiator turns that insight into structured, compliant plans on every eligible account.
Live guardrails
- Minimum installment floors
- Max term and split counts
- Auto-logged disposition + CRM sync
Plan Architect
Balance: $480
Smaller recurring amounts for customers with tight monthly cash flow.
Installments
4
Each Payment
$120
Cadence
Weekly
Negotiation transcript
“There is no way I can do half upfront. I need smaller weekly amounts.”
“Understood. I can structure four weekly payments of $120, beginning next Friday. That keeps you current without a lump sum. Would that cadence fit your budget?”
Beyond rigid scripts
How to negotiate with overdue customers at scale
Manual agents improvise. Generic bots offer one-size payment links. The Negotiator combines flexible payment options collections with policy enforcement on every path.
Manual / script bots
Inconsistent negotiation outcomes
- Agents offer plans outside treasury limits, creating rework and compliance exposure.
- Customers hear “pay in full” loops with no structured partial-payment path.
- Payment arrangements live in notes instead of executable system workflows.
IRIS Negotiator
Guided, policy-safe plan design
- Payment plan negotiation AI calculates only approved splits, cadences, and minimums in real time.
- Conversational tone stays collaborative while offers stay inside your treasury playbook.
- Accepted plans sync to CRM, pause conflicting outreach, and trigger secure payment links instantly.
Flexible payment options collections workflow
IRIS listens for affordability signals, proposes compliant structures, and closes the loop when the customer accepts. No disconnected spreadsheets. No ambiguous verbal agreements.
Context-aware offer menu
Balance, delinquency stage, prior broken promises, and hardship flags shape which plans IRIS can present on the call.
Live policy validation
Every counter-offer is checked against minimum payments, maximum term length, and fee rules before IRIS speaks it aloud to the customer.
Instant digital acceptance
Once agreed, customers receive a secure portal link with the schedule pre-filled. Payments reconcile automatically against the plan.
Negotiation decision tree
From objection to enrolled plan
1. Affordability discovery
IRIS asks open questions to understand cash flow without pressure tactics.
2. Offer shortlist
Generates 2-3 compliant plan options ranked by predicted completion likelihood.
3. Customer selection
Customer picks cadence; IRIS confirms totals, dates, and first payment method.
4. System enrollment
Plan writes to ledger, reminders align to installment dates, outreach suppresses conflicts.
5. Handoff to Promise Keeper
Commitments transfer to promise tracking for fulfillment and broken-promise routes.
Capabilities
Built for lenders who need plans, not pressure
Treasury playbook sync
Negotiation boundaries live in policy config, not agent memory.
Partial-payment paths
Split, weekly, and extended schedules generated in seconds on live calls.
Completion scoring
Ranks plan options by historical kept-rate for similar account profiles.
Compliance disclosures
Required language and identity steps enforced before financial terms are discussed.
Cross-persona routing
Escalates to Promise Keeper or Empathy Engine when sentiment or hardship signals shift.
Audit-ready transcripts
Every offer, counter, and acceptance logged for QA and regulator-ready review.
Turn flexible options into recovered revenue
See how much overdue exposure could convert with structured negotiation instead of one-size demands.