Alternative to Colektia
AI-powered collections and, on the same platform, customer service and sales over chat.
Collections · WhatsApp
What does Colektia do well?
Colektia is a Chilean AI collections company that works with banks, fintechs, retailers and service companies in several Latin American countries. It prioritizes accounts with its own models and contacts debtors with AI agents and channels like WhatsApp.
If you have a large loan portfolio, its approach is built for that.
What you would have to add
Collections only
Colektia covers portfolio recovery. Prospect conversations, CRM and sales run in another tool.
Built for large portfolios
Its offering is aimed at institutions with a high volume of accounts.
Comparison
Feature comparison
| Feature | Colektia | Recaudo |
|---|---|---|
| Automated collections | Yes | Yes |
| Account prioritization by risk | Yes | Yes |
| WhatsApp reminders | Yes | Yes |
| AI agents | Yes | Yes |
| CRM with sales pipeline | No | Yes |
| Team inbox (WhatsApp, Instagram, Messenger) | No | Yes |
| Online store | No | Yes |
| Email marketing | No | Yes |
Why Recaudo
Why Recaudo?
For businesses of any size
It works the same for a firm with 50 customers as for a company with thousands of installments. Import your portfolio by CSV or sync it from SAP Business One.
WhatsApp with a payment link
The reminder carries the payment link with the installment amount plus late fees. When the payment comes in, the installment is marked paid.
AI phone calls
For people who don't reply on WhatsApp, the voice agent calls, records the payment promise or sends the link.
Sales and service in the same place
Team inbox, CRM, online store and email marketing alongside collections.
Pricing comparison
Colektia
Colektia
Aimed at large portfolios. Request a quote for its pricing.
Recaudo
Recaudo Business
Every feature on every plan. The plan sets how many team members, WhatsApp numbers and AI agents you get. A fee is added for each successful payment.
Public reference prices; they may change. Check each provider's website.
Frequently asked questions
How does Colektia pricing compare with Recaudo?
Check the Colektia website for its current pricing: many tools of this kind charge per user or by volume, in dollars. Recaudo charges per plan, starting at $30 USD a month, with every feature included; the plan sets how many team members, WhatsApp numbers and AI agents you get, and there is a fee for each successful payment.
Does Recaudo use the official WhatsApp API?
Yes. Recaudo connects to WhatsApp Business through Meta's official API. You can also link the WhatsApp you already use on your phone and keep replying from the phone app: the same chats arrive in the Recaudo inbox.
Does Recaudo issue CFDI 4.0 invoices?
Yes, for businesses in Mexico. You upload your digital seal certificate, stamp the CFDI 4.0 from the platform with the customer's tax data and, for credit sales, stamp the payment complement with one button when the installment comes in.
How do I switch from Colektia to Recaudo?
Export your customers from Colektia to a CSV file and import it into Recaudo. If you prefer, book the assisted setup: on a free call we connect your WhatsApp, upload your customers and get your first messages ready. You can run both tools side by side while your team gets used to it.
Do Colektia and Recaudo do the same thing?
Both automate collections with AI. Colektia is aimed at institutions with large portfolios; Recaudo is built for businesses of any size and also includes the conversation inbox, CRM and online payments.
Want to try it with your business?
Create your free account and connect WhatsApp and your payments. We help you bring over your customers.