Issuance + Management + Recovery in One Module

Smart Collections
From Boleto to Legal Action

Issue boletos with Pix copy-and-paste, manage collection portfolios, send reminders by email and WhatsApp, escalate to legal action and record agreements — all white-label, on one screen.

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Boleto + Pixnative copy-and-paste
CNAB 240/400Sicoob, Sicredi
7 statusescomplete workflow
White-labeltenant's brand
Lifecycle

From Draft to Closure

Draft
→
Open
→
Overdue
→
Paid
|
Reversed
|
Legal
Resources

Issuance, Management and Recovery

Boleto with Pix Copy-and-Paste

Issuance via Cappta. Each boleto includes a Pix QR code — the payer chooses how to pay.

Collection Portfolios

Organize charges into portfolios. Move titles between them, track by status and filter by due date.

Email and WhatsApp

Send charges and reminders by email and WhatsApp. Communication under the tenant's brand, with no external tool.

Import/Export CNAB

CNAB 240 and 400 — Sicoob and Sicredi. Complete parser and generator. Import return files, export remittance files.

Escalation to Legal

One click changes the title's status to "legal." Complete history is available to the legal department.

Agreements and Renegotiation

Record settlements, split debts into installments and track fulfillment. Each agreement is linked to the original title.

Checkout URL

Each charge generates an online payment URL. Send the link and the payer can settle it in a browser.

Event Timeline

Each title has a complete timeline: creation, sending, viewing, payment, reversal and manual comments.

CSV Export and Discounts

Export charges with filters applied. Configure a discount for payment anticipation.

FAQ

Common Questions

What is the difference between Collection Portfolios and Smart Collections?
They are the same module. "Smart Collections" is the product name for boleto issuance, portfolio management, notifications (email/WhatsApp), recovery (legal action/agreements) and CNAB — all on one screen.
Does each boleto include Pix?
Yes. Each boleto issued via Cappta automatically includes a Pix copy-and-paste QR code. The payer can scan the QR code or enter the boleto's numeric line.
Which banks are supported for CNAB?
Currently Sicoob and Sicredi in CNAB 240 and 400 formats. Complete return-file parser and remittance-file generator.
Are collection messages sent under the tenant's brand?
Yes. Emails, WhatsApp messages and checkout URLs are sent under the tenant's brand. Ezcale is invisible to the debtor.
Are credit bureau reporting or protests automatic?
Not at this time. Escalation to legal is manual (1 click). Serasa/SPC credit bureau reporting and notary protests are not on the roadmap.

From Boleto to Legal Action — All on One Screen

Issuance, management, notifications and recovery. Boleto with Pix, CNAB, email, WhatsApp and agreements. White-label.

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