Your NuPay report says Failed.Planar does what comes next.

An AI collector for lenders who run Delfin. It checks the NuPay results, keeps an eye on what is still In Tracking, agrees a plan inside your limits, changes the pay date on the pay system as well as the loan, writes the note and checks the receipt. You pay only on money that lands in your account.

Get a free book audit See how it works in Delfin

Your morning

Today, without Planar

Check for Debicheck responses. Reload Loans, Check responses, Go to Client, one at a time.
Process payment system receipts. Then the NuPay DebiCheck Instalment Report: Successful, Failed, In Tracking, Disputed.
Before anyone arranges another debit, check what Delfin's auto reschedule has already done.
A client says payday moved. Change Paydates on the loan, and Change Paydate on Paysystem for NuPay. Both, or the old debit still runs.
Someone pays cash at the counter. Transactions, Payment. Then the question: should the NuPay collection stay active?
In between: new loans, file notes, and the cashbox to balance before Day End.

The same morning, with Planar

06:00. Planar's report is on your phone: what NuPay collected, what is still In Tracking, whose promise falls due today, and the few accounts that need you.
Before you open, it has matched the NuPay results to every overdue loan. Anyone who paid is off the list.
It has checked what Delfin already rescheduled, so nobody arranges a second debit on top of the first.
From the hour you set, it contacts each client in their language and agrees a plan inside your limits.
A new payday goes onto the pay system as well as the loan, and Planar checks the NuPay result agrees.
The arrangement goes in a popup note, so whoever opens the client next sees it first.
Your staff serve the counter and close the day.

The buttons your staff press

Delfin is installed at your branch, not in a browser. So Planar works from a computer on your network, logged in as its own Delfin user with the permissions you choose. It never writes to the Delfin database directly. It uses the same menus your staff do.

PlanarDelfin

What your staff open	What Planar does with it
Process payment system receipts	Makes sure the NuPay results are in before anyone is contacted.
NuPay DebiCheck Instalment Report	Works the Failed ones, keeps an eye on In Tracking, and sends Disputed to you.
NuPay DebiCheck Mandate Report	Checks the mandate is not Suspended or Inactive before counting on the next debit.
Auto Reschedule Insufficient Funds to next period	Checks what Delfin already rescheduled before arranging anything new.
Change Paydates and Change Paydate on Paysystem	Moves both, then checks the NuPay result matches the loan schedule.
Transactions, Payment	Records the payment, then keeps or cancels the NuPay collection by the rule you set.
Make Popup Note	Puts the current arrangement in front of the next person who opens the client.
Settlement Quote	Gets the client a current figure, with the late fees that apply, when they ask.
Check for Debicheck responses	Tells you which responses are still open, so they do not hold up Day End.
Client statuses such as Handed over, Debt collection and Deceased	Planar does not contact those clients. A deceased client goes to you, with a note to check for credit life cover.
Write-off and hand over	Stay with you.

Newer Delfin versions can send monthly statements and reschedule some failed debits on their own. Planar does the work around them: the conversation, the plan, the dates and the receipt.

Lines a lender nods at

In Tracking is still a result you have to follow through.
Before arranging another debit, check what Delfin has already rescheduled.
Capture the payment. Then check whether the NuPay collection is still active.
The important arrangement should be visible when the next person opens the client.
Your staff are checking NuPay reports, following failed transactions and updating file notes.

Your worries, answered

"Will it chase someone who already paid?": No. Before any message, Planar checks the loan's receipts and the latest NuPay result. If the money is there, the client hears nothing.
"Will it ask for money NuPay is still collecting?": No. If the instalment is In Tracking, or Delfin has already rescheduled it, Planar waits for the result instead of asking the client to pay twice.
"When does it contact people?": Only in the hours you set, and never wider than 06:00 to 21:00, Monday to Saturday. No Sundays. Those are the limits in the debt collectors' code of conduct.
"Will it phone the employer?": Never. It reads the Employment tab only to know when payday is.
"Who is in charge?": You. Planar works inside the discount, plan length and hardship pause you set, and asks you before any settlement you have not approved in advance. Its Delfin user has only the permissions you give it, and you can switch it off at any time. Write-offs and hand overs stay with you. Every action is in the file notes. Money goes through NuPay or your other pay system to your account. Planar never holds it.

The offer

1. A free check of your unpaids.

Send last month's NuPay DebiCheck Instalment Report, or any export of last month's failed debits. We tell you which accounts to work first and why. No client is contacted during the check.

2. A fair test against your own team.

Pick a set of overdue accounts. We split them at random, so neither side gets the easy ones. Your team works one half the way it always does. Planar works the other half. At the end of the agreed period, you compare the money that landed from each half.

3. You pay only on money that lands.

A share of what Planar's half brings in, agreed in writing before the test starts. No monthly fee. No setup fee.

Planar is new. First pilots are open now.

Send last month's NuPay report. We'll show you who to work first.

Get a free book audit

No client is contacted during the audit.

Delfin, NuPay and other product names on this page belong to their owners. Planar is not affiliated with, endorsed by or a partner of them. Planar works through a login the lender creates and the lender's own files.