Billing & Payments

Make every charge easier to understand.
Make the next step easier to complete.

From balances and payment status to bill explanations and payment actions, AI agents bring account context and approved billing information into one continuous journey.

Account · March statement
Balance due
$184.00
Due Mar 15
Why is my bill higher this month?
What changed · +$35 vs last month
Plan changeNew plan effective Mar 1+$15.00
UsageAbove included allowance+$8.00
Promotional credit endedIntro discount expired+$12.00
CHYour bill is $35 higher: a plan change, higher usage, and an intro credit that has now ended.
Explain→Clarify→Act

Built for everyday billing moments

Billing questions sound similar. The reason behind them usually isn’t.

Select a use case to see how the same billing foundation explains a different part of the customer’s account.

Why is my bill higher this month?
What the agent does
Compare current and previous bill
Identify what changed
Explain charges, credits and usage
Surface the relevant line items
This month vs last
+$35.00
Base plan$137.00 → $137.00
Usage$0 → +$8.00
Add-on / plan change$0 → +$15.00
Promo credit ended−$12 → +$12.00
Outstanding balance
$184.00
Due Mar 15 · in 6 days
Current charges$126.00
Previous balance$58.00
OverdueNone
Payment status
$150.00 · started Mar 1
Payment initiated
Mar 1 · 9:42 AM
Processing
1–3 business days
Expected to clear
Mar 4 · applied to balance
Amount due
$184.00
VISACard ending 4242
Confirmation shown in this chat
Charge under review
Add-on · Mar 3$15.00
Reason
Didn't authorizeWrong amountDuplicate
receipt.pdf
Uploaded ✓
Dispute logged · routed with full context

The billing challenge

The number is easy to see. The reason behind it can sit in five places.

A single total can move because of usage, a plan change, a discount ending or a recent adjustment. ConvergedHub reconciles every factor so the customer sees exactly what changed.

CHWhat changed since last month?
March bill
Reconciled total
$184.00
+$35 vs last month
What moved the total
Base planNo change $137.00
Additional usageAbove allowance +$8.00
Plan changeNew plan · Mar 1 +$15.00
Promotion endedIntro discount expired +$12.00
Credit / adjustmentGoodwill applied −$0.00
Last month
$149.00
This month
$184.00

How ConvergedHub helps

Explain what changed.
Then help the customer act on it.

ConvergedHub brings billing, account and payment context into one journey — explaining the charge clearly and moving directly into the appropriate next step.

UnderstandChat

Customer asks why the bill changed, in chat.

ExplainCard

A billing explanation card surfaces in the conversation.

Clarify by voiceVoice

For a complex proration question, the AI moves to voice.

ActDone

The customer completes the next step in the same journey.

CH
Billing assistant
Voice · live captions
Why is my bill higher this month?
Bill explanation+$27
Plan change+$15
Additional usage+$8
Promotion ended+$12
Credit applied−$8
I changed my plan mid-month — how was the prorated amount calculated?
This may be easier to explain by voice.
AI agent · voice
Captions
Current
$184
Previous
$157
Difference
+$27
Transcript
AI  Your previous plan covered the first 12 days.
AI  Your new plan started on the 13th, so both appear this cycle.
Pay nowPayment planSpecialist
Payment scheduled

One billing journey. Explain it clearly, then help the customer act on it.

Get started

Start with the billing questions customers ask every day. Connect the explanation to the action.

Begin with the highest-volume billing intents, connect the context and actions behind them, and expand as resolution quality proves out.

  1. 01
    Prioritize

    Identify the highest-volume billing intents.

  2. 02
    Map

    Define how charges, balances and changes should be explained.

  3. 03
    Connect

    Bring in billing, account and approved payment actions.

  4. 04
    Improve

    Measure resolution, repeat contacts and escalation reasons.

Billing journey builder
Explain → act
Draft
1
Customer question
“Why is my bill higher?”
2
Retrieve context
Account + current bill + previous bill
3
Explain
Identify changed charges, credits and usage
4
Offer action
Pay · payment plan · reminder · escalate
Journey ready
Billing context connectedAction configuredSpecialist fallback

Related

Turn more billing questions into resolved journeys.

Start with the billing interactions consuming the most service capacity today.