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Collections · Voice Workflow

Collections Call + Payment Link

When handle_payment fires, the workflow reads the account, delivers the mini-Miranda, handles objections, and either captures a keypad payment via VoicePay or texts a secure payment link.

trigger retell_tool_callmode Real-timenodes 13connectors 3

Workflow

TriggerMemoryIntegrationBranchAI AgentVoiceEnd
willingnot nowapproveddeclinedTRIGGER01Tool call: handle_paymentMEMORY02Read accountVOICE03Required disclosureAI AGENT04Handle objectionBRANCH05Pay now?INTEGRATION06Capture paymentBRANCH08Payment approved?VOICE09Confirm paymentINTEGRATION11Text receiptINTEGRATION10Send payment linkINTEGRATION07Record promise-to-payMEMORY12Save outcomeEND13Return tool result

How it runs, step by step

  1. 01
    TRIGGER

    Tool call: handle_payment

    The agent invokes handle_payment when the caller is ready to discuss their balance.

  2. 02
    MEMORY

    Read account

    Pull the balance and promise-to-pay history from Zep.

  3. 03
    VOICE

    Required disclosure

    Deliver the mini-Miranda and any jurisdiction-required disclosures.

  4. 04
    AI AGENT

    Handle objection

    Detect willingness to pay and respond to objections.

  5. 05
    BRANCH

    Pay now?

    Branch on whether the caller will pay during the call.

    • if willing → Capture payment
    • if not now → Record promise-to-pay
  6. 06
    INTEGRATION

    Capture payment

    Collect card details over the keypad and tokenize via VoicePay, so the digits never reach the agent.

  7. 07
    INTEGRATION

    Record promise-to-pay

    Log the promised payment date to memory.

  8. 08
    BRANCH

    Payment approved?

    Branch on the payment processor response.

    • if approved → Confirm payment
    • if declined → Send payment link
  9. 09
    VOICE

    Confirm payment

    Confirm the payment and that a receipt is on its way.

  10. 10
    INTEGRATION

    Send payment link

    Text a secure hosted payment link for the caller to use later.

  11. 11
    INTEGRATION

    Text receipt

    Send a payment receipt by text via Twilio.

  12. 12
    MEMORY

    Save outcome

    Write the call outcome and next action to Zep.

  13. 13
    END

    Return tool result

    Return the result to the agent.