Interactive Credit & Collection with Doxee Platform®
With Doxee’s registered digital delivery, turn dunning into personalised, interactive journeys. Send friendly reminders or qualified final notices — ERDS or QERDS, your choice — each adapting to the individual customer and guiding them to resolve payment directly within the communication itself.
Turn Credit & Collection into an AI-Guided Conversation
Doxee’s Interactive Credit & Collection digitises the whole dunning process: it replaces static reminder letters with responsive, personalised journeys for each overdue account. Customer data arrives in batches; the platform composes and delivers every notice, from a friendly email or SMS reminder to a qualified registered final notice. Predictive AI — anomaly detection, engagement scoring and payment-risk prediction — turns interaction data into targeted follow-ups. Built API-first, human-in-the-loop, delivered omnichannel and processed entirely within the EU.
Up to 1.5x
Recovery Rate
Guided, in-context notices with clear ways to pay resolve up to 1.5x more overdue accounts than static reminders.
Up to 30%
Faster Resolution
Personalised reminders and one-tap payment compress the time from first notice to settled balance by up to 30%.
Up to 90%
Certified Delivery Proof
ERDS and QERDS registered delivery provide legally valid proof of sending and receipt on up to 90% of notices.
Up to 57%
Lower Cost-to-Collect
Automated batches and digital registered mail cut print, postage and manual handling by up to 57%.
Two Modes of Certified Dunning
ERDS for soft dunning, QERDS for the qualified final notice.
ERDS — Soft Dunning
Low-invasiveness registered delivery for early reminders.
QERDS — Hard Dunning
Qualified registered delivery for the final stage.
No Personal eID
Customer reads without SPID, CIE or EUDI Wallet.
Final Notice & Suspension
Last payment reminder or service-suspension warning.
Friendly First
Warm email and SMS nudges before formal escalation.
Qualified Legal Value
eIDAS-aligned, tamper-evident, evidential weight.
Batch In, Orchestrated Out
Dunning management at scale: feed customer data in batches; Doxee composes, sends and tracks every notice.
Batch Ingestion
Receive overdue accounts as XML, CSV or feeds.
Real-Time Triggers
Events fire the next reminder automatically.
Automated Mass Sending
Generate and deliver millions of notices hands-free.
Status Feedback
Per-account delivery and payment state flows back.
CRM & ERP Integration
Trigger journeys and sync status from your systems.
Elastic Scale
Stateless services absorb end-of-cycle peaks.
One Engine, Every Channel
Compose documents, microsites and video; deliver on every channel.
PDF Composition
Print-ready reminder and statement PDFs.
Certified Delivery
ERDS, QERDS and PEC from one workflow.
Interactive Microsites
Personalised pages that guide the payment.
Personalised Video
One-to-one video that explains the balance.
Dynamic Content
Charts, tables and logic per customer.
Mobile-First
Optimised for smartphones from the first tap.
The Right Message at Each Step
From a friendly payment reminder to a qualified final notice, across the collection journey.
Friendly Reminder
Warm, branded email or SMS before any escalation.
Formal Reminder
Registered ERDS notice with proof of delivery.
Personalised Video
Optional video explaining the balance and how to pay.
Final Notice
Qualified QERDS last reminder before action.
Instalment Offer
Contextual payment plans embedded in the flow.
Suspension Warning
Pre-notice of service interruption or suspension.
Certified, Compliant, Preserved
Registered digital delivery with legal value, aligned to eIDAS.
ERDS Delivery
Registered delivery with proof of sending.
eIDAS-Aligned
Compliant with EU 910/2014 and its 2024 update.
QERDS Qualified
Qualified registered delivery for the final notice.
Full Audit Trail
Every action time-stamped and traceable.
Flexible Identification
Read without eID, or SPID/CIE where required.
Certified Archiving
Long-term, legal-value preservation of packages.
Every Interaction, Measured
Predictive AI turns collection data into targeted, timely follow-ups.
Anomaly Detection
Statistical scoring flags abnormal account behaviour.
Drop-Off Analysis
Pinpoint where and why customers stop paying.
Engagement Scoring
Rank and surface accounts most likely to respond.
Payment-Risk Prediction
CatBoost models score late-payment and churn risk.
Real-Time Tracking
Monitor delivery and interaction on every touchpoint.
Closed-Loop Feedback
Engagement data flows back to templates and CRM.
Most Recent Recognitions
For more than a decade, leading industry analysts have recognised Doxee’s technological excellence and forward-looking vision in Customer Communications Management (CCM) and Customer Experience Management (CXM). The latest reports confirm the strength of the Doxee Platform’s cloud-native, AI-powered, integration-first approach and highlight Doxee as a trusted partner for enterprise digital engagement.
Related industries: Banking · Utilities · Telco & Media
FAQ
What is Doxee's Interactive Credit & Collection?
It replaces static reminder letters and PDFs with personalised, guided digital debt collection journeys — combining document composition, interactive microsites and video — so customers understand and resolve overdue balances within the communication.
What is the difference between ERDS and QERDS?
ERDS is electronic registered delivery for soft dunning: low-invasiveness reminders the customer reads without personal eID. QERDS is qualified registered delivery for hard dunning: the final notice, pre-notice or suspension warning, with qualified legal value.
When would I use soft versus hard dunning?
Soft dunning uses friendly email or SMS payment reminders and ERDS early in the cycle. Hard dunning uses QERDS at the final stage — the last payment reminder or a warning of service interruption or suspension.
Does the customer need a digital identity to read a notice?
No. ERDS soft-dunning communications can be read without SPID, CIE or EUDI Wallet. Stronger identification is available where a use case requires it.
Can it send informal reminders as well as formal notices?
Yes. You can send friendly, low-key reminders by email or SMS, and optionally add a personalised video that explains the balance and encourages the customer to resolve payment.
How does it handle high volumes?
Customer data arrives in batches; the platform generates and delivers millions of notices hands-free, with real-time triggers and per-account status fed back to your systems.
Is it compliant for regulated industries?
It aligns to eIDAS (EU 910/2014 and its 2024 update) and GDPR, supports certified archiving with legal value, and is API-first, human-in-the-loop and processed entirely in the EU.
Does it integrate with our CRM and ERP?
Yes. It integrates with systems such as Salesforce, SAP and Microsoft Dynamics 365 to trigger journeys, pre-fill data and sync per-account status back into your core systems.
