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Payments & customers

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Risk and delinquency brackets

Classifies the overdue portfolio: each customer with an overdue balance gets a risk score from 0 to 100 (higher = harder to recover) and falls into a delinquency bracket based on their behavior. Each bracket comes with a preloaded playbook: objective, tone, steps by day and channel, offer, what to avoid, how to measure it and a base message.

GET /api/v1/collections/risk-segments
Field Type Description
segmentstringOptional. A bracket: legal_hold, promise_active, broken_promise, disputing, unreachable, chronic_late, early_reliable, engaged_no_pay, over_one_year, deep_arrears or developing. With it the response includes customers.
limitintegerCustomers in the bracket (default 20, maximum 50).
sortstringdebt (highest debt first, default) or score (highest risk first).
  • totals and segments include customers, debt (overdue principal plus late fees), average days overdue, average risk and recoverable = debt × (1 − risk / 100), an estimate. customers includes the reasons that weigh the most (top_factors), the signals used and the overdue invoice_ids to act on.
  • The classification is recalculated every day at 5:40 and, if it is older than 6 hours, when you request it.
Request example 
curl "https://recaudo.app/api/v1/collections/risk-segments?segment=broken_promise&limit=10" \
  -H "Authorization: Bearer sk_live_tu_secret_key"
{
  "object": "collection_risk_segments",
  "data": {
    "currency": "MXN",
    "computed_at": "2026-10-16 05:40:00",
    "totals": { "customers": 120, "debt": 384500.00, "avg_score": 52, "recoverable": 181200.00 },
    "tiers": [{ "key": "critical", "customers": 18, "debt": 96000.00 }],
    "segments": [
      {
        "key": "broken_promise",
        "name": "Broken promises",
        "customers": 14,
        "debt": 41800.00,
        "debt_share": 10.9,
        "avg_days_overdue": 47,
        "avg_score": 63,
        "recoverable": 15400.00,
        "playbook": { "objective": "…", "tone": "…", "steps": [{ "day": 0, "channel": "call", "action": "…" }], "offer": "…", "avoid": ["…"], "kpi": "…", "message": "…" }
      }
    ],
    "customers": [
      {
        "customer_id": "01234567-89ab-cdef-0123-456789abcdef",
        "score": 71,
        "tier": "high",
        "debt": 6200.00,
        "days_overdue": 52,
        "top_factors": ["age", "broken_promises", "late_history"],
        "invoice_ids": ["89abcdef-0123-4567-89ab-cdef01234567"]
      }
    ]
  }
}
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