Purpose-built for debt collection, healthcare and insuranceBuilt for collections, healthcare and insurance

Outperforms your best agent.And it's compliant, scalable and provable.

Voice and chat agents that hold every rule on every call, and prove it.

Hear a live call

14.3M+regulated conversations handled

Live demo

Don't read about it. Hear it.

Pick a situation and call the agent your customers would get. The accounts are fictional, and every call is recorded and scored in Reflect.

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All accounts and names are fictional and mocked. Trust Center

Industries

Agents for regulated industries

  • Debt collection

    Calls that hold the rules on every account

    • Payment plans
    • Account servicing
    • Dispute triage
    • Promise-to-pay follow-up
    Explore debt collection
  • Healthcare

    Calls that verify first and never guess

    • Patient intake
    • Appointments
    • Clinical routing
    • Appointment reminders
    Explore healthcare
  • Insurance

    Claims calls that log every commitment

    • Claims status
    • Policy servicing
    • Documentation
    • Renewals and payments
    Explore insurance
Why Rifa

Built for regulated US contact centers

Collections, healthcare and insurance run on rules a regulator checks. Rifa's agents follow them on every call, and prove it.

  • The rules hold on every call

    FDCPA and Reg F, TCPA calling windows and consent, HIPAA on patient calls, filed state scripts. Each is a checkpoint the agent cannot skip.

  • Scale without adding headcount

    Work the whole queue in permitted hours at 3.2x your team's throughput. Disputes, hardship and attorney mentions reach a person.

  • Every call audited, not a sample

    QA teams review 1 to 2% of calls. Reflect scores all of them against the same rules, with transcripts and checkpoint results ready for an auditor.

Platform

From your procedures
to every call on record.

Turn your SOPs into an agent, connect the systems you already run, and watch every call prove itself in Reflect.

  1. Configure

    Turn your SOPs into an AOP

    Upload SOPs, scripts and disclosures as is. Agent Studio builds the Agent Operating Procedure and tests every rule.

  2. Connect

    Plug into your systems

    Connect the CRM, telephony and payment systems your team already runs. Prebuilt connectors, API-first for the rest.

  3. Observe

    Prove every call in Reflect

    Transcripts, checkpoint results, handoff reasons and outcomes for every call, searchable together in one dashboard.

Security

Ready for the security review

Certified, audited and documented before your first call.

Visit the Trust Center
  • SOC 2 Type II audited

    Audited every year, with ISO 27001, ISO 42001 and a BAA for HIPAA.

  • Encrypted by default

    AES-256 for data at rest and TLS 1.3 for data in transit, always on.

  • Your data stays yours

    Never used to train models. SSO, role-based access and full audit logs.

FAQ

Questions from US operations teams

Regulations, handoffs, integrations and what it takes to go live.

Rifa builds voice and chat agents for regulated industries: debt collection, healthcare and insurance. Each agent follows your Agent Operating Procedure (AOP) on every call, hands exceptions to your team with full context, and every conversation is scored in Reflect, Rifa's observability product.

The ones your procedure encodes: the FDCPA, Reg F and the Mini-Miranda in collections, TCPA calling windows and consent, HIPAA notices and identity verification on patient calls, and filed state scripts in insurance. Each rule is a checkpoint the agent cannot skip, and Reflect records whether it held on every call.

Disputes, hardship, attorney mentions and distressed callers transfer to your team in the moment, with the transcript, the key fields and a reason code, never as a cold handoff. The customer does not have to start again.

Reflect scores 100% of conversations, not a sample. Every call keeps its transcript, checkpoint results and handoff reason, searchable by agent, campaign and outcome, and ready for an auditor.

Telephony and chat platforms such as Five9, Twilio, Amazon Connect, Genesys and Cisco, and CRMs including Salesforce, HubSpot, Dynamics 365, ServiceNow and Zendesk. Anything else connects through the API, and outcomes, transcripts and audit results write back to your system of record.

Most customers deploy their first production agent in under two weeks. Nothing goes live until the test suite is green, and every agent starts in shadow mode before it takes a slice of traffic, then all of it.

Rifa holds SOC 2 Type II, ISO 27001 and ISO 42001, and a BAA is available for healthcare workflows. Data is encrypted with AES-256 at rest and TLS 1.3 in transit, behind role-based access, SSO and full audit logs.

No. Rifa never uses your conversation data to train models. Your data stays yours, with complete audit logs for compliance reporting and security investigations.

See it hold the rules on a live call

Book a demo and watch an agent run a call in your industry, every disclosure delivered and the record to prove it.

Rifa AI Dashboard