20 Feb 2024

Craft Winning Collection Call Scripts: Ethics & Effectiveness

Subhasis Sahoo (Founding Member - Marketing)

Recovering outstanding accounts is a critical aspect of any business, and effective communication is key.

This blog delves into the art of crafting powerful AR collection call scripts, equipping you with the tools to navigate these delicate conversations with professionalism and efficiency.

Preparation is Key

Before dialing, gather your arsenal:

  • Account Details: Know the invoice number, amount due, payment history, and past communication.
  • Customer Information: Research the customer’s business and any relevant notes.
  • Payment Options: Be prepared to discuss various payment methods and potential payment plans.
  • Script Outline: Have a structured script to guide the conversation, leaving room for personalization.
  • Anticipate Objections: Prepare responses to common objections like “I didn’t receive the invoice” or “I’m facing financial difficulties.”

Setting the Tone

  • Start with a friendly greeting and introduction.
  • State the purpose of the call clearly and concisely.
  • Emphasize the importance of resolving the issue promptly.
  • Maintain a professional and respectful demeanor throughout the call.

Script Structure

Introduction (30 seconds):

  • Greet the customer: “Hi [Customer Name], this is [Your Name] calling from [Company Name].”
  • State the purpose: “I’m reaching out about invoice number [Invoice Number] for [Amount Owed], which is currently [Number] days past due.”
  • Confirm contact information: “Is this a good time to speak?”

Confirmation and Clarification (60 seconds)

  • Verify the invoice details: “Have you received the invoice?”
  • Address any discrepancies: “Are there any questions or concerns about the invoice?”
  • Acknowledge the customer’s perspective: “I understand that things can get busy. Can you tell me what’s preventing payment?”

Negotiation and Payment Options (240 seconds)

  • Offer payment options: “We understand everyone faces challenges. Would you prefer to make a full payment today, or discuss a payment plan?”
  • Negotiate payment terms: “Would you be able to commit to a payment of [Amount] by [Date]?”
  • Offer alternative solutions: “We can also accept payment via [Payment Methods].”
  • Highlight the benefits of prompt payment: “Resolving this promptly avoids late fees and maintains good credit standing.”

Closing the Call (60 seconds)

  • Recap the agreed-upon action: “So, we’ve agreed that you’ll make a payment of [Amount] by [Date]?”
  • Get confirmation: “Can you confirm this?”
  • Express appreciation: “Thank you for your cooperation. We appreciate your business.”
  • End with a positive note: “Please don’t hesitate to reach out if you have any questions.”

Example Scripts

Scenario 1: Customer acknowledges the invoice but hasn’t paid:

You: “I understand you received the invoice. What’s preventing payment?”

Customer: “I’m waiting for a client payment to come in.”

You: “I see. Would you be able to commit to a partial payment of [Amount] today, with the remaining balance due by [Date]?”

Scenario 2: Customer disputes the invoice:

You: “You mentioned concerns about the invoice. Can you tell me more?”

Customer: “I was charged for services I didn’t receive.”

You: “Thank you for bringing this to my attention. I’ll review the details and get back to you within [Timeframe].”

Scenario 3: Customer is facing financial difficulties:

You: “I understand financial challenges can arise. What options would work best for you?”

Customer: “I can only afford a small payment now.”

You: “We can work with you. How about a payment plan with installments of [Amount] bi-weekly?”


  • Be empathetic and understanding.
  • Focus on solutions, not confrontation.
  • Maintain a positive and professional tone.
  • Practice active listening and clear communication.
  • Be prepared to document the call and any agreements.

Crafting effective AR collection call scripts is an art, not a science. By following these guidelines and tailoring them to your specific needs, you can navigate these conversations with confidence and improve your accounts receivable performance.

Additional Tips

  • Record calls for training and compliance purposes (with consent).
  • Track call outcomes and adjust scripts accordingly.
  • Invest in training for your collection team.
  • Consider integrating technology to automate tasks and personalize communication.

Write powerful collection call scripts today! Talk to our experts.