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WHY AFRISHORE
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Recover Overdue Accounts with Secure, Empathy-Led Accounts Receivable Management Outsourcing

Accelerate cash flow, reduce DSO, and lower operational collection costs by up to 60% - while maintaining strict FDCPA compliance.
Book a 20-minute ARM review

✓ 23 Years Experience  ✓ 750-Seat Facility ✓ In-House Law Firm

What is ARM outsourcing?

Accounts Receivable Management (ARM) outsourcing is the strategic business practice of partnering with a specialized contact center to handle the recovery of early and late-stage past-due accounts.

Backed by 23 years of specialized experience, Afrishore BPO executes this strategy by deploying highly trained, neutral-English speaking agents in South Africa as a seamless extension of your internal team. By leveraging our offshore infrastructure and in-house legal support, financial institutions actively reduce their cost-to-collect, decrease Days Sales Outstanding (DSO), and maximize debt recovery rates under strict FDCPA compliance.

Afrishore’s ARM service covers the full collections lifecycle: early-stage outreach (30-90 days overdue), late-stage recovery (90+ days), payment arrangement negotiation, dispute resolution, skip tracing for uncontactable debtors, and escalation to Afrishore’s in-house legal team for litigation-ready accounts. Clients choose between a Fixed-Fee model (predictable monthly cost for a dedicated team) and a Contingency model (percentage of debt recovered, no fee if no recovery) – or a hybrid of both depending on portfolio age. South African ARM agents deliver 40-55% cost savings versus equivalent UK or US in-house collections operations (Everest Group 2024), without the compliance risk of unregulated third-party agencies.

Early & Late Stage

1st-party early-stage recovery calling, proactive dunning cadences, and empathetic dispute resolution.

Massive Cost Reduction

Instantly lower your cost-to-collect by 40-60%. We operate a 750-seat, 4,500sqm state-of-the-art contact center with the immediate infrastructure to scale to 1,500 seats for enterprise portfolios.

Seamless Integration 

Our 100% in-office agents plug directly into your existing CRM and predictive dialers with zero friction.

Ironclad Compliance

FDCPA/CFPB Reg F-aware practices, consent/recording, PCI for payments, audit logs and QA.

Comprehensive Collections Scope

  • Omnichannel Cadence Management: Executing early and late-stage past-due reminders seamlessly across voice, email, SMS, and secure chat.

  • Billing & Reconciliations: Empathetic handling of invoicing questions, balance inquiries, statement reconciliations, and complex dispute routing.

  • Payment Plan Structuring: Strategic hardship identification, precise negotiation of payment plans, and strict monitoring of broken-promise follow-ups.

  • PCI-DSS Compliant Payments: Agents securely negotiate and process payments utilizing pause/IVR or masked entry without ever handling raw card data.

  • Impeccable Admin Hygiene: Real-time CRM note logging, deep account indexing, and flawless audit-trail maintenance ensuring total data transparency.
  • Strict Regulatory Adherence: Flawless execution of consent capture, communication opt-outs (TCPA/FDCPA), and region-aware call disclosures.

How We Build Your Dedicated ARM Operations

Fit & Scope

We establish your early-stage collection cadences, target 1st-party portfolios, and set strict recovery KPIs.

(Weeks 1-3)

Discovery & Runbook

Our integration team maps your existing payment gateways and predictive dialers (utilizing industry-standard systems like TCN for the US), and publishes strict compliance scripts.

(Parallel)

Compliance & Access

We deploy PCI-compliant payment masking, SSO, and call redaction infrastructure for total data security.

(Weeks 3-6)

Pilot & Go-Live

We stand up a dedicated pod, intensely monitoring daily PTP (Promise-to-Pay) rates and compliance QA.

(Weeks 6-12+)

Scale & QBR

We rapidly scale agent headcount while driving down your cost-to-collect, delivering quarterly strategic reviews.

What You Can Expect

Faster reduction in Days Sales Outstanding (DSO) through persistent, multi-channel dunning cadences.
Empathetic, brand-protective collections that preserve your customer relationships during early-stage recovery.
Significant decreases in your overall cost-to-collect, directly boosting your bottom-line profitability.
Daily performance reporting with total transparency on contact rates, promises-to-pay (PTP), and actual recoveries.
Book a 20-minute ARM review
Compliance & Data Security
  • FDCPA & TCPA Mastery: Rigorous, ongoing legal training testing agents on state-by-state collection laws and permissible contact times.
  • PCI-DSS Compliant Payments: Agents negotiate and process payments securely utilizing pause/IVR or masked entry without seeing card data.
  • ISO27001 Certified Security: Clean-desk policies, physical biometric access, and complete adherence to ISO27001 frameworks to protect sensitive debtor data.
  • Call Recording & QA Audit: 100% call recording with dedicated QA analysts scoring interactions for legal adherence and empathy.
  • In-House Legal & Compliance: Supported by a dedicated in-house law firm, we ensure flawless execution of consent capture, communication opt-outs (TCPA/FDCPA), and late-stage legal recoveries.
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Do you handle both 1st-party and 3rd-party collections?

Yes. We operate transparently under your brand name for early-stage 1st-party reminders, and as a compliant 3rd-party collection agency for late-stage distressed portfolios.

Can you work inside our CRM and payment systems?

Yes. We plug into your existing stack for notes, cadences, and payments - no rip-and-replace.

How do you ensure FDCPA and TCPA compliance?

Our 100% in-office agents undergo rigorous pre-hire and ongoing certification in US collection laws. We utilize mandatory QA scorecards, locked-down dialing platforms, and automated call recording to ensure total regulatory adherence. Every Afrishore collections agent operates under Brand-Safe Recovery protocols: no threats, no harassment, no third-party disclosure, and full call recording retained for compliance audit. Scripts are pre-approved against FDCPA Section 807 (false representations) and Section 808 (unfair practices), and TCPA consent verification is built into the dialling workflow before any outbound contact is made. For accounts requiring legal escalation, Afrishore's in-house law firm manages the process from pre-litigation notice through to judgment - maintaining a single chain of custody from first contact rather than handing off to an external firm.

How to Change my Photo from Admin Dashboard?

Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast

What is the difference between Fixed-Fee and Contingency ARM pricing?

Fixed-Fee ARM charges a predictable monthly rate for a dedicated collections team regardless of recovery volume - best suited to businesses with high, consistent AR backlogs. Contingency ARM charges a percentage of debt recovered, with no fee if recovery fails - better suited to aged accounts or irregular volumes. Most enterprise clients run a hybrid: Fixed-Fee for current AR (30-60 day) and Contingency for aged or written-off accounts.

How quickly can you reduce our DSO?

Most clients see measurable DSO reduction within 60-90 days for early-stage accounts (30-60 days overdue). Aged debt portfolios (90+ days) typically require 3-6 months of consistent outreach before recovery rates stabilise. Afrishore provides monthly recovery reporting against agreed KPIs from day one.

Do you handle international debt portfolios?

Yes. Afrishore manages collections for UK, US, Australian, and South African debt portfolios. Agents are trained in the consumer credit regulations of each jurisdiction: FDCPA and TCPA (US), FCA Consumer Duty (UK), NCCP (Australia), and the National Credit Act (South Africa).

Is your collections operation FDCPA-compliant?

Yes. All agents operate under FDCPA-compliant scripts, full call recording, and Brand-Safe Recovery protocols - no threats, harassment, or third-party disclosure. Afrishore's in-house law firm handles accounts requiring legal escalation, maintaining compliance chain-of-custody from first contact through to judgment.

How much does outsourcing accounts receivable management cost?

ARM outsourcing to South Africa delivers 40-55% cost savings versus equivalent UK or US in-house operations (Everest Group 2024). Fixed-Fee pricing is per agent seat per month. Contingency rates typically range from 8-25% of recovered value depending on portfolio age and account type.

Book a 20-minute ARM review

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Contact Information
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South African Accents

This is what English South African accents sound like!

We can provide excellent call centre and business services with our clear and understandable accents.

South Africa flag is depicted in liquid watercolor style isolated on white background
South Africa flag is depicted in liquid watercolor style isolated on white background

Why Afrishore

Why South Africa new

South Africa has emerged as a reliable and dependable service delivery location which offers resiliency for companies to relocate operations to. The Global Service market has grown 25% annually over the past 3 years.

With its unique value proposition underpinned by strong governmental support, technological readiness, first world infrastructure and skilled talent South Africa offers many reasons to consider utilizing its diverse and highly capable workforce as a pillar to support your business.

Furthermore South Africa also subscribes to IMPACT SOURCING which embraces the concept of inclusive hiring.

Quality Infrastructure

We are completely connected to the world with high speed fibre and cheap VOIP access. Our IT Security rivals any other country

Cost Saving and Government Investment

South Africa can compete on a global scale when it comes to our pricing models and government is investing heavily in this industry to promote globally.

Most Neutral English Accent

English is one of our first languages and our neutral accent is understood around the world.

Competitive Job Market

Our agents are constantly expanding their skills and knowledge in order to be the best in their field. They are also very driven to succeed in order to provide for themselves and their families. The competitive job market is the perfect environment for our agents to thrive in.

Making a Difference

With our country having 30%+ unemployment rate, the social impact of bringing your work to South Africa will change and improve many lives.

Innovation tech-hub

South Africa's information and communications technology (ICT) market is one of the largest in Africa. The country is a leader in mobile software, security software, and electronic banking services.