Breathe Easy
with RTO₂
powered by Paydit.

The only collections engagement and automation platform built to revitalize the RTO industry

Breathe life into your past-due consumer engagement and collections

A unified consumer engagement and collections automation platform built for the RTO industry. Harness a single platform built with solutions to take the busy work out of your RTO operations.

Upload, segment & take a deep breathe

Sync past due consumers with ease to start engaging and collecting from the day you Go-Live. With powerful integrations that allow for simple and automated behavioral segmentation means consumers receive tailored cadences and journeys to drive results, at scale.

More smile, Less dial. A breathe of fresh air

Deliver time-optimized and personalized messages when it matters most. Our omnichannel communication suite means meeting consumers with the right message, at the right moment from the right channel, all from a single, scalable platform. Recover 10X more than traditional strategies.

24/7 self-service can serve your business

Consumers no longer want to speak to staff about outstanding balances. Empower them with a convenient white-labeled portal available from any device that puts them in control, at a time that suits them. Make difficult conversations, easy while never missing an opportunity to recover and turn a past-due consumer into a loyal customer.

RTO specific resolution options out-of-the-box

The next generation of past due re-payment channels are built in to provide flexibility and to get proposed arrangements finalized. Provide seamless consumer centric resolution options for any age or stage in the past due lifecycle. Reduce friction to unlock results.

Data-driven collections engagement powered by machine learning

Each consumer interaction generates hundreds of data points. We utilize every one of them to fine-tune the consumer experience. Intelligent reporting allows you to deeply understand what drives performance and our machine optimizes over time, meaning your best recovery months are ahead of you.

Why consolidate and automate?

All-in-one

No need for multiple vendors. Harness a single platform that comes with the features, support and data you need to start collecting instantly from day one.

Easy to implement & use

Ready to collect when you are. Rapid deployment means you go-live in days, not months. Intuitive and easy to use. It's steep results, without the steep learning curve.

Consumer-friendly

Make the consumer re-payment experience your competitive advantage. Engage via preferred channels and put consumers in control with a self service experience.

Compliance, on auto-pilot

Constantly evolving regulations make it increasingly difficult to navigate. Leverage a platform with code-based compliance, so you can recover fast, without legal issues.

Recover more, with less

Fewer collectors can result in more recoveries. Reduce reliance on staff, put time back into your day & money into your P&L with improved collections for the fraction of a salary.

Data and strategies

Bottle the behaviors and strategies of the most successful RTO organizations in the world, and scale them across your business.