Automate Your Billing and Payments with AI

Virtual agents are here to transform the billing and payment experience, combining ease of use with the highest levels of security.
What Are Virtual Agents for Billing & Payments?

Navigating billing and payments should be straightforward and secure for your customers. Say goodbye to complicated processes and hello to simplicity and satisfaction.

Why SmartAction for Billing and Payments?

Simplified Payments: Our virtual agents make payments quick and easy. Customers can settle bills, set up automatic payments, or inquire about balances without the need for lengthy phone calls or navigating complex websites.

Billing Inquiries Resolved Instantly: From understanding charges to receiving explanations on billing statements, our virtual agents are equipped to handle a wide range of billing inquiries, providing clear and concise information 24/7.

Enhanced Security: We take your customers’ security seriously. Our virtual agents are designed with advanced encryption and fraud prevention measures, ensuring every transaction and inquiry is protected.

Customized Alerts and Notifications: Keep your customers informed with personalized alerts about upcoming bills, payment confirmations, and any issues with their accounts, all delivered in real-time.

Which Billing & Payment Calls/Chats Can be Automated Using Virtual Agents?

Account Crediting & Refunds

Balance Inquiries

Charge Descriptions

Check Payment Status


Credit Card Notifications

Invoice Requests

Make Payments

Payment Plans

What is the Customer Experience Like with a Virtual Agent?
  • Scenario 1: Payment Plan

    Dana has three credit cards that she uses for different purchases to maximize her cash back return. All the cards are on different billing schedules. Dana is driving home from work when she remembers that her Vista credit card payment is probably due soon. See how an AI-powered virtual agent makes life less hard for her.

  • Scenario 2: Outbound Collections

    Barry bought a couch recently for his son, setting up a payment plan through the furniture store. Four months later, he spends three weeks on business travel and forgets to make his payment. He receives a call from an AI-powered virtual agent reminding him about the past due balance and securely accepting his credit card over the phone.

  • Scenario 3: Payment & Transfer

    Walker received a bill in the mail from Zenith Insurance then immediately called in to make a payment. Rather than giving the standard greeting, the virtual agent is able to predict why he is calling.

  • Scenario 4: Balance Request

    Patricia and her husband have signed up for a cruise but need to find out the remaining balance, so she can budget what remains.

  • Scenario 5: Make A Payment with Virtual Agent Automation

    Henry calls his insurance company to pay his bill but wants to set up payment through his checking account instead of the savings account on file.

Which Billing & Payment Challenges Do Virtual Agents Help You Address?
Virtual Agents Bots
  • PCI Compliance to accept credit card information securely
  • Collection processes that would be too expensive for live agents
  • Complex payment scenarios like payment plans, without needing a live agent
  • Streamlined payment process to make self-service easy
Sample Billing & Payment Conversation
  • Virtual Agent

    Thank you for calling TV Warehouse. Calls are recorded for quality purposes.

    Dynamic data is customized to your company’s name, or other companies you may represent.

  • Virtual Agent

    To get started, we need to verify your account. Please tell me the last four digits of your social security number.

    Account authentication can verify SSN, zip code, account number, or any other personal identification information you choose.

  • Customer

    Six, four, four, one

    If a customer didn’t have this information, the virtual agent would ask for another piece of personal data for account verification.

  • Virtual Agent

    Thanks Jennifer. In a few words, please tell me how I can assist you today.

    Natural language intent capture.

  • Customer

    I want to check my account balance.

    The virtual agent is listening for several different intents. Some intents mean the call stays with the virtual agent. The rest get transferred to a live agent.

  • Virtual Agent

    Your account balance is $508.28. Would you like to hear that again?

    The virtual agent is jacked-in to the CRM via webservices and uses its dynamic text-to-speech engine to read aloud anything from the customer record.

  • Customer

    No thanks.

  • Virtual Agent

    Is there anything else I can help you with today?

    The virtual agent improves the Customer Experience (CX) by allowing customers to interact in natural language.

  • Customer

    Customer service rep please.

  • Virtual Agent

    I understand you would like to speak to a customer advocate. In order to better serve you, please tell me the reason for your transfer.

    The virtual agent is listening for words like “representative” and other synonyms, so callers are never trapped in automation. The virtual agent gathers information then passes it in a screen-pop to the live agent.

  • Customer

    I have questions about my account.

    Even if this is something the virtual agent could handle, the call will still be transferred.

  • Virtual Agent

    Thank you. Please hold while I transfer you to a customer advocate. Thanks for calling TV Warehouse, have a great day.

  • Virtual Agent

    Hi Jennifer, I see you checked your account balance and have questions about your account. How can I help you?

    Seamless handoff from the virtual agent to the live agent creates an effortless customer experience.

Integrations – Billing & Payments

SmartAction integrates with every IVR, contact center platform, CRM, and payment gateway.

The most important integration for Billing is with your CRM.

Your IT team simply needs to expose APIs the SmartAction CX team, who will determine the best ways to connect to your data.


  • Salesforce
  • Oracle
  • NetSuite
  • Magento
  • Other Homegrown Systems

Payment Processors:

  • USA ePay
  • Vantiv / Element Payment Services
  • Deutsche Bank
  • Certifi

For the most human-centric AI design and implementation, choose SmartAction’s virtual agent solution.

Why Automate Billing & Payment Calls/Chats with SmartAction?
PROVEN: Industry-leading conversational AI for omnichannel self-service
SmartAction started as an AI research company and now has more than a decade in AI development. The core AI technology supports omnichannel self-service across hundreds of use cases. SmartAction customers automate in voice first, where the ROI is the greatest, then scale the same CX to chat and text. SmartAction is the only AI-powered self-service solution for customer service to be named “Gartner Cool Vendor,” the only company recognized by Frost & Sullivan as “The Leader in Self-Service,” and is currently the top-rated and most reviewed Virtual Customer Assistant solution on Gartner Peer Insights.
EASY: Outsource voice & chat automation for a human-centric CX without compromise
SmartAction delivers its proprietary conversational AI as a service through a team of CX experts rather than DIY software licenses. SmartAction’s CX team works for you day-in and day-out to improve performance until reaching perfection. You only need to assist our CX team with conversation design, data integrations, and unique business rules to set the virtual agent’s “guardrails.” This is how we keep our brand promise of delivering self-service automation without sacrificing an ounce of CX. Learn about implementation.
LOW RISK: Start small in 6-8 weeks and grow over time
Getting started with SmartAction couldn’t be easier or more affordable, with no large CapEx investment or professional services fees. Rather than rip-and-replace existing telephony investments, SmartAction augments your IVR with conversational AI for a nominal one-time setup fee and simple, pay-as-you-go usage pricing. There are no charges for upgrades or fees for making changes - the full suite of services from SmartAction’s CX team is included in the per-minute usage price. Organizations can start as small as they want to see how well customers interact with the system and realize the immediate ROI.

Learn more about SmartAction’s obsession with LIFE LESS HARD™

#1 Rated AI-Powered Virtual Agents for Contact Centers

5 Star Reviews

Most contact centers have an over-reliance on live agents for even the most repetitive and rudimentary calls and chats. With cloud-based virtual agents, you can automate conversations your live agents are handling today without sacrificing an ounce of CX.

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