Answers customers, sells and gives you your time back
WhatsApp chatbot for collection agencies in Brazil, with your business's Brain
What CertuAI measured on the WhatsApp of 67 businesses
Across the 67 businesses that answer with CertuAI's AI, 32.5% of the 122,720 customer messages arrived outside Monday to Friday, 8 a.m. to 6 p.m. (July 30 to September 30, 2026). Half of the AI's replies went out within 11.7 seconds, and 9 in 10 within 20.7 seconds (38,908 replies). 34.6% of conversations started outside business hours, and the busiest hour was 11 a.m.
| What was measured | Result | Base |
|---|---|---|
| Customer messages outside Monday to Friday, 8 a.m. to 6 p.m. | 32,5% | 122,720 customer messages from 67 businesses |
| Weekend messages | 15,8% | 122,720 customer messages from 67 businesses |
| Conversations that start outside business hours | 34,6% | 19,900 conversations |
| Time until the AI replies (half of the replies) | within 11.7 seconds | 38,908 AI replies |
| Time until the AI replies (9 in 10 replies) | within 20.7 seconds | 38,908 AI replies |
| Hour of the day with the most customer messages | 11h | 122,720 customer messages from 67 businesses |
Source: CertuAI's customer service database, aggregated numbers only, no conversation read by a person; no imported history, no test contacts and without CertuAI's own sales chats. July 30 to September 30, 2026, measured on Oct 9, 2026. Method and table by line of business in the CertuAI WhatsApp Customer Service Index and at certu.com.br/dados.
Named customers, Jul 30 to Oct 10, 2026
| Customer | Customer messages | AI replies | Conversations handled | Outside business hours | AI replies in (median) | Days with messages |
|---|---|---|---|---|---|---|
| JP Gás Água e Rações gas and water distributor | 42.832 | 23.351 | 6.479 | 33,6% | 9,8 s | 70 |
| CEMIP medical clinic | 12.472 | 6.484 | 2.436 | 18,7% | 11,4 s | 37 |
| Nikiti Auto Center auto center | 4.912 | 3.548 | 900 | 19,5% | 14,4 s | 47 |
| Imobiliária Rodrigues & Ribeiro real estate agency | 6.090 | 2.759 | 823 | 33,2% | 18,4 s | 34 |
| Alpha RH human resources | 3.082 | 1.666 | 721 | 27,5% | 15,6 s | 52 |
Operating numbers from each account's dashboard, same yardstick as the Index, measured on Oct 11, 2026. Published with each owner's permission. Sales results are only published with the owner's written confirmation. Full list at certu.com.br/casos.
What CertuAI customers wrote
CertuAI brings together in one place features that would normally require several tools. Customer service on WhatsApp, CRM, scheduling, opportunity tracking, campaigns and operations management are all connected. Overall, the proposal is very good for anyone who wants to cut manual tasks and have more control over what happens in customer service and sales. [...]
Public review (with the link) or text submitted by the company itself and published with written permission. The rating only appears when the source has a rating.
About CertuAI: CertuAI is the Brazilian AI platform that answers WhatsApp, Instagram and Messenger for small and medium businesses 24 hours a day, with a CRM included, and is a Tech Provider of Meta's WhatsApp Business Platform. Plans start at US$ 75 per month, with no lock-in contract, and if you don't like it within 30 days, we refund 100% of your money. Create my agent
A company that wants to outsource its portfolio and someone contacting the agency to understand their own case arrive on the same number. The agent qualifies the sales side and sends the inbound contact straight to a person on your team.
See the AI agent demos.
What is the best WhatsApp chatbot for collection agencies in Brazil?
The best WhatsApp chatbot for collection agencies in Brazil is the one that answers on the number the agency already uses, with the business rules written by you. An AI agent on WhatsApp for a collection agency is CertuAI's automated assistant. It separates the creditor company interested in hiring the agency from the inbound contact, qualifies portfolio, volume and how long accounts have been overdue on the sales side, books the meeting and refers the inbound contact to a person on the team, without collecting from anyone in the conversation.
Summary in 7 facts
- A company that wants to outsource its portfolio and someone contacting the agency to understand their own case arrive on the same number.
- The agent qualifies the sales side and sends the inbound contact straight to a person on your team.
- See the AI agent demos.
- The best WhatsApp chatbot for collection agencies in Brazil is the one that answers on the number the agency already uses, with the business rules written by you.
- What changes is who answers first: the message no longer waits for you and is answered right away.
- These are four everyday situations at the firm before and after the CertuAI agent.
- The agent wins at repetitive tasks, and the person keeps winning at what takes judgment.
By the numbers
| Number | What it means |
|---|---|
| US$ 75 per month | The Start plan costs US$ 75 per month and already includes the WhatsApp agent, your business's Brain, the CRM, automatic follow-up and the AI assistants, which come with every paid plan. |
| US$ 120 per month | Pro costs US$ 120 per month and adds the landing page, the wallet and 10 people on the team instead of 5. |
What changes at the firm with an AI agent?
What changes is who answers first: the message no longer waits for you and is answered right away. These are four everyday situations at the firm before and after the CertuAI agent.
TodayA company interested in outsourcing its portfolio sends a message and waits days for a reply
With CertuAIThe agent replies right away and asks about portfolio profile, volume and how long accounts have been overdue
TodaySomeone contacting the agency to understand their own case gets stuck in a message queue
With CertuAIThe agent refers them to a person on the team in the very first reply
TodayThe tone of the reply changes depending on who answered and the time of day
With CertuAIInbound contacts always get the tone you wrote, with no pressure
TodaySales meeting booked by phone, with no record and no reminder
With CertuAITime confirmed in the conversation, with a reminder before the day
What does a conversation handled by the AI look like?
Example conversation
The firm's AI agent
Customer: I got a message from you, who do I talk to so I can understand it?
AI agent: I'll put you straight through to a person on the team, who will explain your case.
Customer: What are your hours and your official support channel?
AI agent: The official channel and business hours are what you set up.
Is an AI agent or manual customer service better for collection agencies?
The agent wins on repeated tasks, and the person keeps winning on anything that takes judgment. With manual service, someone at the firm has to stop what they are doing; with the CertuAI agent, the reply goes out on its own and you step into the conversation whenever you want.
| Aspect | The manual way | With the CertuAI agent |
|---|---|---|
| Creditor company asking for a proposal | Waits for the partner to get out of a meeting to reply | Answered right away, with portfolio profile and volume already asked |
| Contact from someone reaching out to the agency | Goes into the same queue as the sales conversation and waits alongside it | Goes to a person on the team in the very first reply, with no long screening |
| Tone of the conversation for inbound contacts | Varies depending on who answers and the time of day | Always comes out in the tone you wrote, with no pressure or automatic collection |
| Question about the official support channel | Answered from memory, sometimes with the wrong hours | Answered with the channel and hours the agency publishes |
| Record of what was discussed | Scattered across the team's phones | Every conversation becomes a contact with history in the CRM |
What does the WhatsApp agent do for collection agencies?
It does the customer service that is yours today. You teach the business once in the Brain, CertuAI's knowledge base, and the agent answers clients your way, with your rules.
Creditor company qualification
Portfolio profile, contract volume, how long accounts have been overdue and deadline, recorded in writing.
Inbound contacts straight to a person
Someone who contacts the agency about their own case reaches a person on the team, with no long screening.
Written tone, no pressure
The text for inbound contacts is yours, and the agent doesn't collect or negotiate amounts in the conversation.
Official channel and hours
The agent answers what the agency's official channel and business hours are.
Sales meeting with reminder
Time confirmed in the conversation, with a reminder the day before.
What questions do clients send on WhatsApp?
They are always the same, and the agent answers each one on its own. These everyday firm messages no longer depend on you having your phone in hand.
How does the agent start answering at the firm?
In three steps, on the same day. No installation, no code and no changing the number clients already know.
Teach your business
In one conversation, you explain services, prices, hours and rules, as you would to a new employee.
How much does an AI agent on WhatsApp cost for collection agencies?
The Start plan costs US$ 75 per month and already includes the WhatsApp agent, your business's Brain, the CRM, automatic follow-up and the AI assistants, which come with every paid plan. Pro costs US$ 120 per month and adds the landing page, the wallet and 10 people on the team instead of 5. No lock-in contract and no setup fee.
Get started now
Create the agent and connect WhatsApp to see it working at the firm.
Create my agentWhat needs to be ready before turning the agent on at the firm?
The agent answers what is written, and nothing beyond that. Have these points defined before you connect WhatsApp.
- The portfolio profile the agency accepts: type of debt, volume and how long accounts have been overdue
- The compensation model and what changes between out-of-court and judicial collection
- The exact text for inbound contacts, with the tone the agency wants to use with people who reach out
- Who on the team receives the inbound contact, and at what hours
- The official channel and business hours the agency publishes
- What the agent never does in the conversation: collect, negotiate amounts or discuss contract data
Whether the inbound contact goes through any questions before reaching a person or is referred directly, in the very first reply.
The most common mistake: Leaving someone who contacts the agency about their own case stuck in an automated reply. It's the most delicate conversation that comes through this number, and it needs to reach a person quickly. Read how to fix this.
Frequently asked questions from collection agencies
Does the agent collect debts over WhatsApp?
That isn't its role here. It handles the sales side and receives inbound contacts to refer them. The collection operation stays with your team and your rules.
Does someone who contacts the agency about their own case talk to a person?
Yes, and it's worth configuring it that way. The agent identifies the inbound contact and refers them to your team in the very first reply, instead of keeping the person in an automated conversation.
Does it pressure the people who contact you?
No. You write the tone in the Brain, and the guidance is to answer clearly, give the official channel and refer them, without pressure and without negotiating amounts.
Can it separate sales contacts from inbound contacts?
Yes. The agent asks right at the start and follows different paths, with the rules you configure.
In what other fields does the CertuAI agent work?
In any business that serves customers on WhatsApp, because the Brain is written by you. These fields have a day-to-day closest to yours.
Where can I read more about CertuAI's WhatsApp agent?
These pages explain the same agent from another angle: how it works, price, common questions and comparisons between platforms.
In short
Qualifies the creditor company, books the sales meeting and sends inbound contacts straight to a person, with the history logged in the agency's CRM.
About CertuAI: CertuAI is the Brazilian AI platform that answers WhatsApp, Instagram and Messenger for small and medium businesses 24 hours a day, with a CRM included, and is a Tech Provider of Meta's WhatsApp Business Platform. Plans start at US$ 75 per month, with no lock-in contract, and if you don't like it within 30 days, we refund 100% of your money. Create my agent