The Promise Keeper
Automated promise to pay tracking software & broken promise follow-up collections.
Lenders often treat accounts receivable as an aging report, which only tells you what should happen. Our Promise Keeper technology treats verbal and written commitments as structured, actionable data. By automating payment commitment tracking, pausing standard outreach, and instantly resolving broken promises, IRIS secures debtor commitments without manual spreadsheet chaos.
Payment Commitment
Self-Service Promise to Pay
CUSTOMER STATEMENT
“I can't pay the full $240 right now, but I can definitely pay it next Friday when my paycheck clears.”
IRIS PROMISE KEEPER RESPONSE
“Let me log that promise to pay for June 5th. I will pause all standard reminders until then. Two days before, I'll send a quick pre-reminder confirmation so we remain aligned.”
Automated Workflow Execution
Extracts $240.00 on June 05 from voice. Dispositions P2P state.
Excludes invoice from standard dunning to avoid friction.
Sends structured text/email 48 hours before the date.
Matches incoming Stripe/ERP deposit and closes route.
Smarter Infrastructure
Precision Over Dunning Noise
Why standard dunning software falls short on collection commitments, and how the automated promise to pay collections workflow changes the equation.
Standard Collections Outreach
Treats overdue accounts on a rigid calendar basis. Reminders continue blindly or drop off entirely, irritating cooperative buyers and losing track of verbal arrangements.
- Unstructured verbal promises: Calls and texts produce “commitments” that live in agent call notes and are never written to the ledger as structured deadlines.
- Reminders during pause: Customers who promise to pay on Friday are still spammed with generic overdue reminders on Tuesday, damaging brand relationships.
- Overdue cashflow blindness: Cash forecasting algorithms count all outstanding invoices as equal risk, lacking confidence scores and promised settlement dates.
- Manual broken-promise chasing: Collectors have to manually comb through spreadsheets to identify who missed yesterday's PTP date, delaying response.
Behavioral Commitment Automation
Operates dynamically around customer actions. Secures explicit, structured commitments, honors agreement grace periods, and triggers instant, supportive follow-ups when targets are missed.
- Automated PTP extraction: IRIS NLU instantly converts verbal or written statements like “I can pay on the 5th” into structured system records with specific amounts and confidence weight.
- Dynamic workflow suppression: The exact moment a promise is registered, the standard overdue collection sequence is paused, avoiding double-contact friction.
- Confidence-weighted forecasting: Pushes expected fulfillment dates directly to accounting and cashflow forecasting, making collection pipelines highly predictable.
- Immediate broken promise re-engagement: If a promise date is missed, the account is auto-flagged and re-engaged within hours with high-empathy, supportive negotiation options.
Automated P2P Collections Lifecycle
Managing payment commitments is not a static list of notes. It is an active workflow. IRIS handles the entire promise timeline, from extraction to ledger reconciliation, keeping your cash flow liquid while preventing manual overhead.
Natural Commitment Recognition
IRIS parses natural human conversation across SMS, email, and interactive voice calls. It extracts dates, split payment amounts, and accounts for intent indicators to log structured PTP milestones.
Intelligent Outreach Suppression
No manual ticklers required. The system programmatically introduces a quiet window on the invoice, temporarily holding standard overdue calls so customers have space to fulfill their commitment.
Soft Alignment Pre-Reminders
Forty-eight hours before the payment commitment date, IRIS sends a supportive, pre-filled digital payment link, making it incredibly easy for the customer to complete their promise in just two taps.
Dynamic Commitment Flow
Lifecycle paths of a promise in the IRIS system
1. Intent & Extraction
Customer commits to pay balance on a specific future date, and IRIS creates the structured database record.
2. Outreach Suppression Active
Standard delinquency collection workflows are paused on the ledger.
3. Pre-Reminder Check-In
Automated, non-invasive digital message confirms agreement alignment 48 hours prior.
4. Day-Of Reconciliation
Checks Stripe, accounting hub, or banking gateway. If paid, workflow resolves and closes.
5. Broken Promise Mitigation
If unpaid, a supportive broken promise follow-up sequence is automatically initiated immediately.
Key Capabilities
Advanced Payment Commitment Infrastructure
Give your collections and accounts receivable operations the predictive tracking power of a modern fintech platform.
Automated Promise Recognition
Utilizes advanced natural language parsing to capture and structure verbal or text-based commitments automatically.
Dynamic Ledger Pause
Instantly and programmatically suspends default reminders, honoring customer agreements to maintain brand trust.
Automated Pre-Reminders
Sends clean, conversational 48-hour check-ins with integrated payment links to ensure a high kept-promise rate.
Predictable Cash Forecasting
Enriches risk forecasting by converting raw delinquent AR totals into confidence-weighted expected cash flows.
Seamless ERP Integration
Pushes real-time P2P status updates, expected settlement dates, and outcome markers directly to your CRM/ERP.
Instant Miss Mitigation
Bypasses slow manual review: broken promises trigger immediate, high-empathy re-engagement paths automatically.
Measure Your Receivables Risk
How much outstanding revenue is slipping through broken promise timelines and manual chasing leaks? Run a 60-second diagnostic and get a custom collections leakage report instantly.