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Intervalor. AI that speaks human.

If you still collect debts the way you used to, you’re leaving money on the table.

Intervalor is where generative AI and debt collection intersect, trained to sense, decide, and act like your best negotiator.

Debt Negotiation (01)

Debt Negotiation (02)

+25 years of expertise in AI, debt collection, and credit recovery

CustomAI debt collection multi-agents built for your brand.

Natural conversations with clarity, empathy, and consistency in every interaction. Multichannel, multilingual, and never losing context.

Debt Negotiation

Ensures the right party is informed early and objections are addressed from the start.

Negotiation Agent

Negotiates like a human — with context, empathy, and an understanding of the business.

Dispute Agent

Uses data and knowledge sources to resolve disputes and prepare customers for payment.

Promise Agent

Increases promise-to-pay fulfillment with timely reminders and follow-ups.

Payment Agent

Helps customers choose the best payment method and complete the transaction.

Reminder Agent

Ensures payment plans are followed and opportunities for early settlement are taken advantage of.

+25 years of expertise in AI, debt collection, and credit recovery

Mercado Pago Yamaha Banco Vivo Cogna Riachuelo Mapfre NotreDame Intermédica C&A Pay Porto Seguro Bank Claro YDUQS Casas Bahia Casas Bahia Ultragaz Linx Stone Cruzeiro do Sul Tenda Atacado Movida Principia Cetelem Recovery SKY Grupo Salta Grupo Pereira Sabesp Edenred Hyundai Volvo Ânima Educação GM Sim Mercado Pago Yamaha Banco Vivo Cogna Riachuelo Mapfre NotreDame Intermédica C&A Pay Porto Seguro Bank Claro YDUQS Casas Bahia Casas Bahia Ultragaz Linx Stone Cruzeiro do Sul Tenda Atacado Movida Principia Cetelem Recovery SKY Grupo Salta Grupo Pereira Sabesp Edenred Hyundai Volvo Ânima Educação GM Sim

The impact of AI is so significant that it can represent an entire quarter of your results.

Cutting-edge technology integrated into the credit recovery process to maximize results with empathy.

Lean Teams

AI handles the high volume; your agents handle the high value.

Portfolio Coverage

AI agents engage your portfolio across all channels.

Precise Segmentation

Dynamic, generative cohorts enable precise outreach at scale.

Consistent Experiences

Deep integrations and a pre-trained LLM deliver brand-aligned experiences.

Predictive Modeling

Predict the right customer, channel, and time for greater recovery.

Iterative Modeling

With continuous learning loops, performance improves over time.

Truly generative AI, end to end.

We care about your results, not just the implementation.

Compliance

Stay protected with automated compliance filters, identity verification, and consent tracking built into every workflow.

Payments

Integrated payment flows with card and boleto payment capture, tokenization, and SMS fallback links that close the loop.

Integrations

Connect to CRMs, dialers, and payment systems through flexible APIs, SFTP, or middleware — all synchronized in real time.

Analytics

Dashboards for connectivity, RPC, payments, and outcomes — real-time visibility and actionable insights across every portfolio.

Choose an AI debt collection solution that truly knows what it’s doing.

A Decade in the Market

Years of deep expertise in financial services, debt collection, and AI.

Focused on Debt Collection

Research and expertise focused across the entire credit recovery lifecycle.

End-to-End Management

From integration to performance, we manage the entire journey.

AI from Day One

Built on AI from the ground up to make debt collection more empathetic and efficient.

Built-In Compliance

Compliance isn’t an add-on — it’s part of the core architecture.

Performance-Based Pricing

Results-based, risk-free models — when you win, we win.

Results that speak for themselves.

Decades of experience translated into tangible numbers.

Projects in Operation
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Bot Accuracy
+ 0 %
CPFs per Year
+ 0 M
Projects in Operation
R$ 0 BI+
/ month without human intervention
R$ 0 BI+
Telecom Market Share
0 %

Frequently Asked Questions

What does Intervalor do?
Intervalor helps companies recover outstanding payments using AI agents that interact with customers like real people. The AI reaches customers through phone calls, messaging, and other channels, handles routine follow-ups, and knows when to escalate conversations to a human agent.
Intervalor acts as a filter between your customers and your team. Our AI handles high-volume, day-to-day follow-ups across all channels, escalating only complex or sensitive cases to your collection agents. This means your team can focus on what really matters.
We build the rules directly into the system so it automatically follows applicable regulations. We check compliance before, during, and after every interaction, log and store interactions with audit trails, and apply safeguards such as opt-outs, time-of-day limits, and disclaimers.
Absolutely. Intervalor is designed to fit into your existing technology stack, not replace it. It integrates easily with CRMs, dialers, and payment processors. You can connect through secure APIs, middleware, or SFTP.
Yes. Every engagement starts with a production pilot designed to validate performance, compliance, and ROI under real-world conditions. Pilots typically run for 30–60 days using your actual portfolios and systems, with full integration and live reporting.
Most clients see measurable results within the first 30–60 days: higher right-party contact rates, greater capacity for their agents, and a more consistent consumer experience.