SMS for Debt Collection Agencies
Send payment reminders, escalation notices and Bpay details that actually get read, and recover more debt before it needs a phone call.
Recover debt faster with SMS
Debtors let calls go to voicemail and letters sit unopened, but a text gets read within minutes. Australian collection agencies use Mobile Message to send staged payment reminders, from a friendly first notice through to a firmer second notice, each one carrying the Bpay biller code, reference number and amount owing so the debtor can pay without digging out a letter.
Mobile Message sends from 1.6¢ per message with no monthly fees, so you pay only for the notices you actually send. Pull case data straight from your recovery platform through our REST API, merge in the amount, biller code and reference for each debtor, and let replies land in a shared inbox your team can action together.
Payment reminder notices
Send a friendly first notice as soon as a payment is due, with the amount owing and how to pay, before the account needs escalating.
Escalating second notices
Follow up with a firmer notice when a first reminder is ignored, spelling out the amount owing and what happens next if it stays unpaid.
Bpay biller code delivery
Include the Bpay biller code and a unique reference in every text so debtors can pay directly from their banking app in seconds.
Payment link follow-up
Text a secure payment link as an alternative to Bpay for debtors who'd rather pay by card straight from their phone.
Payment plan confirmations
Confirm agreed instalment dates and amounts by text so both sides have a written record of the arrangement.
Bulk SMS at 1.6¢ per SMS
Exceptional SMS pricing starting at just 1.6¢ per message with your first purchase.
100% Direct Delivery
Messages delivered directly to Australian carriers for maximum speed and reliability.
FREE Dedicated Number
Get a free virtual number to send and receive SMS messages, perfect for 2-way chat.
Built for high-volume, personalised recovery texts
Merge fields, delivery reports and a shared inbox for replies, from 1.6¢ per message.
Import Your Contacts in Bulk
Easily organise your contacts by uploading spreadsheets and managing them with lists.
Personalise Your Messages
Send personalised messages with each customer's name and other relevant details.
Two-way SMS Messaging
Easily engage with your customers and clients through free two-way messaging.
Automatic Opt-Outs
Include an automated opt-out option to let customers easily unsubscribe from messages.
SMS Message Templates
Create, save, and reuse text messaging templates to reduce time and streamline your communication.
Custom Sender ID
Send your SMS from your business name or a dedicated number to boost your brand identity with customers.
Schedule Messages
Scheduling your SMS messages lets you reach your audience at the perfect time without needing to be online.
Unlimited Users
Give trusted users access to your account, without having to share your login details. Everyone in your team can login.
Add Emojis to Your Messages
Bring your messages to life with emojis. Add personality, emotion and impact to your texts to make them stand out.
Send Messages in Any Language
Send messages in any language your customers speak. With full Unicode support, you can communicate in Chinese, Arabic, Japanese and more.
What debt collection texts look like
Realistic examples based on how Australian agencies use SMS to recover payment.
Hi Daniel, a friendly reminder that your payment of $340.00 to Meridian Recoveries is now due. Pay via Bpay Biller Code 178432 Ref 5590221 or reply for a payment plan.
Hi Priya, this is a Second Notice regarding your Coastline Utilities account. Pay $612.40 today to avoid further action. Bpay Biller Code 178432 Ref 5590876 or call 1300 552 010.
Hi Marcus, we confirm your payment arrangement with Meridian Recoveries. $150 due 21 July, $150 due 28 July, remaining balance 4 August. Please forward your receipt after each payment.
Hi Grace, pay your outstanding balance of $88.50 in a couple of taps at meridianrec.au/pay/9F2K, or use Bpay Biller Code 178432 Ref 5591034. Reply to this message if you have questions.
How it works
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Connect your case data
Import your debtor list by CSV or connect your recovery platform through our REST API so notices go out the moment an account is due. -
Personalise every notice
Merge in first name, amount owing, Bpay biller code and reference so each text is specific to that debtor's account. -
Schedule each stage
Set your first notice, second notice and final notice to send automatically as an account moves through your recovery process. -
Track replies and delivery
See which notices were delivered, and handle payment plan requests or queries in a shared team inbox.
Start recovering debt faster today
Sign up in minutes and send your first payment reminder for a fraction of the cost of a phone call.