Connect your receivables and the machine works the book: it knows who owes, how much, how late, their payment behaviour, promises made, preferred channel and language — then contacts, negotiates, takes promises and collects.
Your debtor book — invoices, balances, promises, payment history.
Recovered cash, deposited by M-Pesa or bank.
Money you weren't collecting, collected. Charged on the delta vs. your baseline recovery rate.
Pricing: Percentage of amount recovered above baseline.