Act before the payment is missed, not after.
We sit on top of your payment rails, Direct Debit, cards and VRP. When a payment is missed we retry automatically on the rail most likely to work, so you recover more and your team spends nothing chasing it.
Recovery in progress
Miss nothing. Chase no one.
Credit Canary watches every mandate and, the moment a payment fails, re-collects it on the right rail. No dialler, no letters, no manual retries.
Sits on your rails
Direct Debit, cards and VRP. We work on top of the payment rails you already run, with no re-procurement.
Instant detection
Credit Canary knows the second a collection fails, with no overnight files or manual reconciliation to wait on.
Smart retry
It re-attempts on the rail most likely to clear, at the right time, so more payments recover on the first try.
Affordability-aware
If a customer genuinely cannot pay, it offers an arrangement instead of hammering the account.
Full audit trail
Every attempt and outcome is logged for Consumer Duty, ready for any review.
Saves time and money
Automated recovery means more collected, fewer write-offs, and no team hours spent chasing missed payments.
Detect. Engage. Resolve.
When Direct Debits fail, Credit Canary automates the entire workflow from detection to resolution.
Detect
When Direct Debits fail, automated action triggers immediately.
Engage
Reach customers via multiple channels automatically.
Resolve
Give customers optionality to resolve payments.
When Payments are Missed, Next Best Action is Automatic
Route every case based on ability to pay.
If the Customer Can Pay
Send Open Banking payment links via preferred channels when Direct Debit fails, giving customers a simple way to resolve.
If the Customer Can’t Pay
Use Open Banking data to assess affordability and approve payment holidays, forbearance and checks automatically.
Best Day to Repay
Predictive analytics recommend the optimal payment date for each customer based on income and balance trends.
Payments Management, Behind the Scenes
Automation lets your team focus on exceptions, not administration. Full event tracking and case notes for visibility.
Payment Holidays & Forbearance, Decisioned Automatically
Built-in payment holidays and forbearance with automated eligibility, flexible yet fully controlled.
Payment Holidays
Customers request pauses. System checks affordability.
Automated Decisioning
Requests assessed against real-time data.
Restructured Plans
Offer plans based on affordability.
Full Audit Trail
Every decision is event-tracked.
One product, wired into the whole platform
Buy Missed Payments on its own, prove it, extend. It runs on the Payment Agent, sits in the Pay module, and grows into the next step of the journey.
Open banking to see it coming, payment initiation to fix it.
Ready to Transform Your Collections?
Discover how our collections engine reduces missed payments and gives customers real flexibility through automation.