How does the autonomous 5-stage cadence work?

Jaktra continuously monitors invoice due dates and aging buckets. Based on your schedule configuration, it automatically advances accounts through 5 staged notices: from courteous pre-due reminders to firm overdue follow-ups and final demand notices. You configure the delay between stages and can require manual approval before any stage dispatches.

What happens when a debtor disputes an invoice?

The moment a debtor replies or submits a dispute through the self-service portal, Jaktra immediately pauses all cadence timers for that invoice. This prevents inappropriate automated collection notices while an issue is under review. Disputes are categorized with reason and notes, and an AI-drafted reply proposal is prepared for your team.

Does Jaktra send emails from my own domain?

Yes. Jaktra integrates directly with your SendGrid, Resend, or custom SMTP server. All outbound reminders and escalation notices originate from your verified business address (e.g., billing@yourcompany.com) with full SPF, DKIM, and DMARC alignment.

Can debtors set up installment payment plans?

Yes. When debtors access their secure portal, they can request structured multi-part payment plans. Once approved, Jaktra generates individual installment schedules and tracks partial settlements, keeping collection cadences paused as long as installments remain on track.

How do debtors pay invoices through the portal?

Every notification includes a tokenized, zero-friction link to a branded Debtor Portal. Debtors require no password or login. They can view line items, download PDF copies, submit notes, and settle immediately via integrated online checkout (e.g., Razorpay).

Can we control escalation tones and copy?

Absolutely. Each of the 5 escalation stages has customizable subject lines, email templates, and AI tone prompts (from courteous reminders to firm formal demand letters). You retain complete authority over your brand voice.

How do I import existing invoices into Jaktra?

You can bulk-import invoices via CSV upload or synchronize them via our REST API. Jaktra automatically parses customer details, line items, currency, issue dates, and due dates, instantly slotting each account into its correct aging bucket.

How is debtor data isolated and secured?

Jaktra enforces strict tenant isolation at the database layer. All sensitive credentials—such as SMTP passwords and payment gateway secrets—are encrypted with AES-256 at rest. Webhook payloads are cryptographically signed using HMAC SHA-256, and data in transit is protected by TLS 1.3.

Is there an audit log of all communications?

Yes. Jaktra maintains an immutable, tenant-scoped Activity Log recording every event: email dispatch and delivery status, debtor payment link views, dispute submissions, installment agreements, and manual cadence overrides.

What is included in the Free plan?

The Free plan includes up to 10 active invoices and 1 user seat with full access to the 5-stage cadence engine, debtor portal, CSV import, dispute detection, and SendGrid/SMTP delivery. It is permanently free with no credit card required.

Can multiple team members access the workspace?

Yes. Jaktra supports role-based team management (Admin, Member, and Auditor). You can invite finance colleagues with specific permissions, allowing AR specialists to manage cadences while safeguarding tenant configuration.

What happens if an email bounces or delivery fails?

Jaktra captures webhook delivery events and tracks bounces or drops. Unrecoverable failures are routed to a built-in Dead-Letter Queue (DLQ) with diagnostics, ensuring your team can inspect issues without losing track of overdue accounts.

B2B Receivables Recovery & Payment Plan Playbook

What to Do When a Client Can't Pay: How to Recover Receivables with Structured Payment Plans

When a debtor experiences temporary cash flow constraints, demanding full immediate payment leads to ghosting, disputes, and bad debt write-offs. Discover how to structure viable installment schedules, preserve client relationships, and automate milestone recovery.

Structured

Multi-Tranche Milestone Plans

Zero-Login

Instant Debtor Portal Access

100% Auto

Razorpay Webhook Ledger Sync

Interactive Schedule Simulator

Simulate a Structured Milestone Schedule

See how Jaktra splits overdue invoices into manageable tranches and adjusts agent outreach.

Overdue Invoice Balance$12,000

$2,000$25,000$50,000

Installment Milestone Split

AI Agent Nudge Adaptation

Active status halts full-balance demands. Outreach automatically pivots to tracking Milestone #1 ($4,000) due in 30 days.

Structured Debtor Milestone Breakdown

Installment 1 of 3

Due in 30 days • Tokenized Link Ready

$4,000

Razorpay Sync

Installment 2 of 3

Due in 60 days • Tokenized Link Ready

$4,000

Razorpay Sync

Installment 3 of 3

Due in 90 days • Tokenized Link Ready

$4,000

Razorpay Sync

Payment Structure

Milestone Tranches (vs Rigid Full Demand)

Total Recovered

$12,000

Architectural Breakdown

How Jaktra’s Installment Engine Works

From debtor self-selection to automatic ledger reconciliation.

01Debtor UX

Tokenized Debtor Self-Selection

Debtors click their secure, cryptographically hashed portal link (/i/:token) without needing to register or enter passwords. The portal presents pre-authorized installment options governed by your credit policy (e.g. 2, 3, or 4 monthly milestones).

Pre-ApprovalZero awkward phone negotiation

Custom Terms1-click finance review requests

02Agent Intelligence

Dynamic Triage Modulation & Tone Calming

As soon as an installment plan is ratified, Jaktra's autonomous collection engine switches the invoice state into ActiveInstallmentContext. Aggressive lump-sum demands stop instantly, preventing customer irritation and preserving relationship equity.

Cadence shifts specifically to remind only for upcoming tranche dates, never demanding the full balance.

03Payment Rails

Real-Time Razorpay Webhook Reconciliation

When debtors pay individual milestones via UPI, NetBanking, NEFT/RTGS, or Corporate Cards, Razorpay dispatches signed webhook events directly to Jaktra (webhook.handler.ts).

PDF Receipt

Auto-sent

Ledger Sync

Sub-second

Next Tranche

Queued

Omnichannel Debtor Payment Rails

Every milestone can be settled instantly through the debtor's preferred commercial payment method with automated fees handling and instant ledger updates.

Instant UPI & QR

One-tap UPI payment links for corporate accounting teams, settling directly into your company bank account.

NetBanking / Virtual Bank

Direct NEFT/RTGS virtual account matching that eliminates manual bank statement reconcile passes.

Corporate Cards

Visa, Mastercard, and Amex corporate credit cards with automatic settlement receipts.

Frequently Asked Questions

Everything finance leaders need to know about B2B installment plans and AR cash recovery.

When B2B debtors encounter temporary cash crunches, rigid demands for immediate 100% settlement often force them to ghost communications, dispute the invoice, or push the balance into severe delinquency. Offering structured installment plans gives debtors a dignified, manageable off-ramp while securing steady cash flow and eliminating default write-offs.

Recover More Cash with Intelligent Installment Plans

Turn delinquent accounts into structured cash flow today with Jaktra's autonomous AI collections agent. 100% free during Early Access.

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