For anyone owed money
47 days overdue. Give them a way to act.
Add a settle-or-plan link to the next reminder. Your customer opens it when they are ready, proposes what they can do, and your assistant negotiates the schedule inside limits you signed once.
- No awkward call required
- You sign every limit
- Funds stay in your payment rails
How it works
From reminder link to signed schedule.
One reusable workflow gives the customer room to respond without giving your assistant room to cross your limits.
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SEND Put a link on the reminder
The invoice number, the amount, and what you'll accept — lump sum or plan — as structured items. Attach the invoice PDF.
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BOUND Sign your bounds once
The minimum you'll take today, the longest plan you'll carry, which fees you'll waive to close. Passkey-signed; the server enforces it.
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NEGOTIATE Your assistant works it out
The customer opens the link at their own pace and proposes what they can actually do. Your assistant counters — plan length against late fees, exactly as you instructed.
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SIGN The plan is signed proof
Both sides passkey-sign the schedule. If an installment is missed, nobody argues about what was agreed — the record is verifiable to the character.
The guardrail
Your assistant negotiates the schedule. You decide the limits.
The mandate defines the room to move. Every counter is checked against it before the customer sees it.
Minimum recovered€3,400
Longest plan6 months
Late feesmay waive
Schedule5 × €680
StartsAug 1
Late feeswaived
✓CREDITOR · PASSKEY✓CUSTOMER · PASSKEY
What stays true
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The assistant cannot agree below your signed minimum.
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The customer leaves with one clear amount and schedule.
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Negolio records the agreement but never holds the funds.
The difference
Replace chasing with a decision.
The reminder still comes from you. The link gives the customer a private, structured way to respond.
REMINDER LOOP −
Reminder #4 goes unanswered
RESOLUTION FLOW ✓
A link they can act on at 11pm
REMINDER LOOP −
The awkward call to a good customer
RESOLUTION FLOW ✓
A calm room — no voices, no hold music
REMINDER LOOP −
A verbal “I'll pay next month”
RESOLUTION FLOW ✓
A passkey-signed installment plan
REMINDER LOOP −
Late fees waived ad hoc, by mood
RESOLUTION FLOW ✓
Concessions from a signed budget
REMINDER LOOP −
Then straight to a collections agency
RESOLUTION FLOW ✓
One more civilized step before that
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Passkey-signed plans — enforced bounds, not promises
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Customers need no account until they act
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Works inside the reminder emails you already send
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Pay-as-you-go credits — no subscription
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You keep the relationship; funds move through your own rails
FAQ
The questions owners ask.
The practical details before you add a settle-or-plan link to an overdue invoice.
01 Does my customer need an account?
No. The link opens in any browser; they create a lightweight account only when they make a move — which is what makes the signed plan attributable.
02 What stops the AI from being too generous?
The mandate. Your minimum, your longest plan, your waivable fees — passkey-signed, enforced server-side. The assistant can't agree to worse.
03 Won't this feel aggressive to good customers?
The opposite — it removes the confrontation. No call, no pressure; a page with options they can consider overnight. You stay the reasonable party throughout.
04 What happens when a plan is agreed?
A sealed, hash-verifiable record of the schedule, signed by both sides, with a verify URL and PDF. Money moves through your existing payment channels — Negolio never holds funds.
05 What does it cost?
Pay-as-you-go credits — one per negotiation you start. See the pricing page; volume books are a conversation.
Give the next reminder a way forward.
Create your first settle-or-plan link today — your first 100 negotiations are free.