Close the loop inside the conversation.
Negotiation and payment shouldn’t be two systems. Cara walks the customer from intent to confirmation in the same thread — pre-calculation, payment waterfall, and a PayNearMe-powered payment rail that meets the customer wherever they pay.
From “I can pay” to settled, in seconds.
The moment a customer commits, Cara turns intent into a confirmed transaction — without bouncing them to a different number, system, or representative.
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Pre-calculation
Cara computes the right amount in real time — current due, fees, late charges, partial-payment scenarios — and surfaces options the customer can actually afford.
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Payment waterfall
Funds are applied per your servicing rules — principal, interest, fees, escrow — automatically and consistently, every time.
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Secure capture
Customers complete payment via Smartlink or in-thread flow. Card, ACH, cash networks, and alternative rails — all powered by PayNearMe.
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Confirmation & logging
Receipt sent in-conversation. Transaction logged, tied to the conversation thread, and pushed to your servicing system.
PayNearMe — every rail your customers actually use.
Auto finance customers don’t all pay the same way. CaraFin.ai integrates with PayNearMe to support the full spectrum — including cash networks for the underbanked.
Cards
Debit and credit, instant authorization, full PCI compliance.
ACH
Direct from bank account — lower fees, ideal for recurring promises.
Cash networks
7-Eleven, CVS, Walmart, Family Dollar — for the underbanked customers voice can’t serve.
Alternative rails
Wallet payments, money-transfer apps, and emerging rails — all unified into one experience.
PayNearMe Integration
Direct, certified integration. Reconciliation, refunds, and chargeback handling all flow through Cara’s conversation context — so your team has one source of truth.
The payment situations Cara handles natively.
Full payment, in-thread
Customer commits, Cara calculates, Smartlink lands, payment confirmed. Under a minute.
Partial payment + plan
Take what’s available now, schedule the rest, and let Cara follow up automatically.
Future-dated promise
Lock in a date and amount. Cara sends reminders, captures the actual payment when it lands, and recovers if it slips.
NSF resolution
Recognize the bounce, walk through fee disclosure, propose alternatives, retry on a better channel.
Cash-network referral
Underbanked customer? Cara generates a barcode for the nearest cash network — no card required.
Live agent handoff with payment context
If a customer needs a human, the agent inherits the full payment intent and history.
A live walk-through, with your servicing data flowing in real time.
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