Gen2B
Commercial Proposal for Punto Pago
Prepared For
Punto Pago
Executive Leadership Team
Date
March 16, 2026
Valid for 30 Days
Confidential & Proprietary
© 2026 Gen2B Inc. All Rights Reserved.
Critical Insight
15,000 overdue accounts + 500 new/month exceed current operational capacity.
Backlog Compounding
Recovery rates drop 0.5% for every day of delay
24/7 Digital Expectations
Consumers expect instant resolution outside business hours
Manual Process Delays
Human agents capped at ~50 calls/day creates bottlenecks
15,000
Overdue Accounts Today
Monthly Growth
Accelerating beyond staff capacity
33% Capacity Gap
Confidential - For Punto Pago Internal Use Only
2
$93,750/yr
Estimated Annual Cost (25% Fee)
Cost Model
High contingency fees (15-50%)
Scalability
Hiring delays (weeks/months)
Compliance
High risk ($500-$1,500 fines)
Availability
Limited business hours only
Usage-Based Pricing
Pay Only For Minutes Used
Cost Model
Low per-minute rate ($0.26-$0.34)
Scalability
Instant, unlimited capacity
Compliance
Hardcoded guardrails built-in
Availability
24/7/365 coverage
Confidential - For Punto Pago Internal Use Only
3
A soft-collections AI that engages, negotiates, and converts at scale.
Ingest
Securely import consumer data, debt details, and compliance rules via API or batch upload.
Orchestrate
AI prioritizes accounts and schedules optimal outreach times across channels.
Converse
Engage via voice, SMS, or email with natural language understanding and empathy.
Collect
Secure payment arrangements, update CRM records, and trigger confirmation.
24/7 Omnichannel Availability
FDCPA/TCPA Guardrails
Seamless CRM Integration
Confidential - For Punto Pago Internal Use Only
4
Compliance by design—hardcoded guardrails, not just policy on paper.
Fair Debt Collection Practices
Telephone Consumer Protection
Consumer Protection
SOC2 Type II
Certified
HIPAA
Compliant
PCI-DSS
Level 1
GDPR
Ready
Confidential - For Punto Pago Internal Use Only
5
Save up to $1,350/yr vs. status quo with predictable, all-inclusive pricing.
Current Volume
Projected Monthly Usage
30,000
Minutes / Month
Portfolio Size
15,000
Monthly Growth
+500 accts
Contact Rate
20%
Avg Duration
5 mins
Traditional Agency
Standard Contingency Model
$93,750
Annual Cost
Contingency Fee
25%
Est. Recovery
$375,000
Monthly Cost
~$7,810
Compliance Risk
High
Gen2B Enterprise
All-In Package (AI + Telephony)
$92,400
Annual Cost (Prepaid)
Monthly Rate
$8,560
Annual Discount
10% Off
Effective Rate
$0.27/min all-in
Total Savings
$1,350/yr
Confidential - For Punto Pago Internal Use Only
6
Gen2B
All-inclusive pricing (AI + Telephony). From $0.34/min down to $0.26/min. Scale with confidence.
Overage Protection: Usage beyond package limits is billed at $0.36/minute (AI + Telephony). Upgrade anytime to avoid overages.
Confidential - For Punto Pago Internal Use Only
7
Enterprise Package
50,000 minutes / month · AI + Telephony included
Current usage (~30,000 min) represents 60% of package capacity, ensuring comfortable daily operations without strain.
Includes 20,000 minutes of headroom, accommodating 12-18 months of projected growth (500 new accounts/month).
Eliminates risk of overage charges ($0.36/min) and provides stable monthly budgeting for finance teams.
Effective rate of $0.27/min includes both AI agent and telephony — no separate telco bills or hidden costs.
Monthly Billing
$13,500/mo
Standard Net 30 terms
Quarterly Prepay
Save 5%$38,500/qtr
Equivalent to: $12,830/mo
Annual Prepay
Save 10%$145,800/yr
Equivalent to: $12,150/mo
Best Value Choice
Confidential - For Punto Pago Internal Use Only
8
Move from evaluation to impact with a structured implementation plan.
Deep dive into AI voice capabilities, compliance guardrails, and CRM integration requirements.
Review data flow architecture, and sign compliance addendums.
Select your package (Enterprise Recommended) and payment terms to initiate Week 1 kickoff.
This proposal valid for 30 days from March 16, 2026
Confidential - For Punto Pago Internal Use Only
9