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YOUR COMPANY. YOUR RULES. YOUR BRAND.

Cobratia is an all-in-one commercial management system to serve, sell and collect.

We do it over the main communication channels: web app, WhatsApp, email and Telegram.

Try the demo See the platform

No sign-up needed to try. Guided implementation.

Web appWhatsAppEmailTelegram

From the conversation to the result.

What your customer sees. What your company resolves.

Collect

WHAT YOUR CUSTOMER SEES

Customer · WhatsAppI want to pay my balance. How do I do it?

Your custom agentHere's your balance and the details of your personal account.

After the transfer, the payment provider confirms the operation.

MEANWHILE, AT YOUR COMPANY

Looks up the right data

That contact's balance and personal account.

Records the confirmed payment

Confirmation comes from the provider, not from reading "I already paid".

Pauses the reminder and notifies

The team can review the record in the panel.

From "I want to pay" to a recorded payment.

See how it works: Collect →

Example with automatic payment validation enabled. Cobratia doesn't modify the ERP balance.

Sell

WHAT YOUR CUSTOMER SEES

Customer · WhatsAppI want to repeat my order and pay on delivery.

Your custom agentLet's confirm the products, the quantity and the delivery address.

The customer confirms the order and cash payment.

MEANWHILE, AT YOUR COMPANY

Looks up catalog and terms

Works with your company's available data.

Records the confirmed order

The products, the quantities and the agreed address.

Notifies the person in charge

The payment note travels with the order.

From the message to an organized order.

See how it works: Sell →

Example with orders and alerts configured. A taken order isn't the same as a paid sale.

Serve

WHAT YOUR CUSTOMER SEES

Customer · WhatsAppI moved. I want to change my delivery address.

Your custom agentTell me the new address. I'll leave a note so administration updates your details.

The request is flagged for the responsible team.

MEANWHILE, AT YOUR COMPANY

Recognizes the contact

Looks up that customer's available record.

Leaves a note with the change

The requested address is recorded for review.

Labels the case for administration

The team makes the change in the source CRM.

From a lost message to a visible case.

See how it works: Serve →

Example for records coming from an ERP. Cobratia doesn't overwrite the source system's data.

Win back

WHAT YOUR CUSTOMER SEES

Your agent · Scheduled messageIt's been a while since you ordered. Shall we arrange a new delivery?

Customer · WhatsAppYes, I'd like to order again.

The agent continues the conversation and confirms the order with the customer.

MEANWHILE, AT YOUR COMPANY

Detects the opportunity

A rule identifies contacts who stopped buying.

Sends the permitted follow-up

Respects the configuration, the limits and the exclusions.

Records the order when it's confirmed

The reply becomes an action.

From an inactive customer to a sales opportunity.

See how it works: Win back →

Example with a win-back rule and an approved template. It doesn't guarantee a reply or a repeat purchase.

Campaigns

WHAT YOUR CUSTOMER SEES

Your agent · Targeted campaignWe have a proposal for your next purchase. Would you like to know the details?

Customer · WhatsAppI'm interested. What does it include?

Cobratia replies with the configured offer and hands over whatever requires a person.

MEANWHILE, AT YOUR COMPANY

Selects the segment

According to the criteria defined by your company.

Sends with control

With template, limits and applicable exclusions.

Handles the replies

The team can consult the record of the interaction.

From a campaign to a handled conversation.

See how it works: Campaigns →

Example with campaign and offer configured. Sends are subject to the channel's rules and policies.

Illustrative examples with fictional data. Actions depend on your configuration.

US$639K
in portfolios managed by the platform
19.266
end customers managed, one by one
1.192
conversations handled by the assistant
4.181
messages sent to end customers
up to 11,711 contacts in a single company 584 records corrected by chatting 528 orders taken by the assistant US$2,714 sold US$5,648 in payments reconciled on their own

Real data from the companies using Cobratia, accumulated since day one and updated daily. Amounts are shown in US dollars, converted from Argentine pesos, because today all our customers are in Argentina: the platform works in each country's currency.

Try it yourself, now →
A real case

What happened to one of them in a month.

A water-delivery company started using Cobratia in August. It compared its own spreadsheet with the previous month's and this is what it found.

Almost 40% less in one month. It's one customer and one month, measured on its own operation: not an average nor a projection of what will happen in your company.

See the case and how it was measured →
Everything we do

Eight modules to grow your operation.

It's the same system, with one record per customer: you get the modules you need and add the rest whenever you want. Service is the base; tidying up your database is quoted separately. See how they connect →

01

Customer service

An assistant with your brand answers 24 hours a day on WhatsApp and your website's chat. It already knows who's writing, and whatever needs a person goes to a person.

What's included
  • No office hours: it answers at eleven on a Saturday night
  • It sees the record, the balance, the orders and what was discussed before, even if it was through another channel
  • What it doesn't have loaded it doesn't make up: it hands over and notifies your team
  • Complaints and threats go straight to a person, decided out of the box
  • It waits for the person to finish typing, and if they're upset, it changes its tone
  • If someone on your team joins the conversation, the assistant goes quiet instantly
See customer service in detail →
02

Sales and orders

It takes the order within the conversation, with your catalog and your prices, and alerts the driver with address, route and day. Without anyone on the team stepping in.

What's included
  • Your catalog, your prices, and even a different price list per customer
  • It confirms with the customer before closing the order
  • The alert reaches the driver on that route, not a group
  • If the customer changes the quantity or the day, it re-alerts on its own
See sales and orders in detail →
03

CRM and sales follow-up

The sales pipeline, quotes your customer accepts from a link, the team's calendar and tasks, and the report that shows where deals fall through.

What's included
  • Every deal in its stage, with its amount and its probability
  • The quote is accepted from the phone and the deal moves to Won on its own
  • My day, tasks and a calendar with Google Calendar for each person
  • What people ask for on WhatsApp goes into Leads, sorted by what they asked for
  • Available on its own, or together with the rest
See the CRM in detail →
04

Win back customers(Active selling)

The customer who stopped buying doesn't say so: they leave quietly. The assistant detects them with the rule you define and writes to them before they settle in with another supplier.

What's included
  • You set the rule: two weeks without an order, a month, whatever applies to your business
  • It offers the product they usually take, not a generic message
  • If they reply, it takes the order in the same conversation
  • Whoever asks not to be bothered anymore gets flagged and is never written to again
See how they're won back →
05

Campaigns

Build the campaign for a list or for an audience built from your data, see exactly whom it would reach and what text they'll receive, and only then send. Afterwards, see who replied, bought or paid.

What's included
  • One-off campaigns: one list, one day, just once
  • Simulate the batch: you see the recipients and the exact message, without sending anything
  • Surveys with a personal link, and the answer is saved in the record
  • Create WhatsApp templates with buttons and submit them to Meta for approval
  • Test with a specific contact before the full batch
  • Controlled sending speed, and a button to stop a batch in progress
  • The month's usage, in plain sight
See campaigns in detail →
06

Collections

It notifies before the due date, insists with judgment once it's overdue, gives the payment details, records the promise with a date and detects the transfer when it comes in.

What's included
  • Rules by days in arrears, amount or segment
  • Time window, your holidays and no weekends
  • Daily cap and minimum days between messages: it never harasses
  • Reads the receipt they send by photo and leaves it ready to validate
  • Reports and labels the payment; the ERP's debt is modified by your management system
See collections management in detail →
07

Payment validation

Each customer has their own personal account: when they transfer, the payment is detected, attributed to the right person, your team is alerted and it goes into your system on its own.

What's included
  • The money goes straight to your account: Cobratia doesn't touch it
  • Attributed to the right customer even if someone else pays
  • Alert to the route's driver and to administration, instantly
  • Reported and applied in your management system, if it's connected
  • Available on its own, whatever system you have
See payment validation in detail →
08

Your customers' app

Every customer enters a space with your logo and your colors, and sees their account in detail: how much they owe, since when, their orders, their receipts. At any hour, without calling anyone.

What's included
  • With your brand: your customer never sees the name Cobratia
  • It installs on the phone like an app, and the link arrives with your logo
  • You choose which panels they see: debt, installments, invoices, movements, orders
  • They enter through an encrypted link, and you can require their customer number
  • They can ask to have their details corrected, and someone on your team approves it
See the app in detail →
09

Tidy up your database

The assistant gathers phone numbers, addresses and emails while chatting. If the record comes from an ERP, it leaves the request as a note for administration to review.

What's included
  • It corrects by chatting: nobody has to call one by one
  • It cleans names that come in messy from the old system
  • It rescues phone numbers that were hidden in another field
  • It tells companies from people without splitting business names down the middle
  • You can export your entire database whenever you want

And whatever comes next: every new customer brings a need we hadn't solved yet, and that improvement stays for everyone.

It also tidies up your database and keeps your team up to date
The platform

It isn't a collections bot. It's everything that happens after the sale.

Five things your team does by hand today, solved by conversation.

Tidies up your database

It confirms phone numbers, addresses and emails while chatting and writes them into the record. If they come from an ERP, the correction stays as a note for your administration to apply at the source.

584 records corrected by chatting, without anyone calling one by one

Your team, up to date

Seventeen kinds of instant alert: new order, payment promise, complaint, someone asking to talk, legal matter. With an urgency level.

Reads photos and voice notes

The receipt they send you at eleven at night gets read on its own; it tells you the amount and date and leaves it labeled to validate.

What it really looks like

One conversation, and the work already shared out.

What your customer sees

A
Aguas del Valle
online
Hi Laura, how are you? I'm Teresita, the assistant at Aguas del Valle 😊 I'm writing to check whether you still have water or whether you'd like us to arrange a delivery.
Schedule delivery
Not now
I need 1 bottle of 20 liters
To confirm: 1 × 20 L bottle · US$3.60, today from 12 to 5 pm, at Los Álamos 340. Is that all right? Confirm with a yes and I'll create it.
Sí
Done! Order #612 taken. We'll let you know here when we're in your area.
Win-back and order, in the same chat.

A customer who hadn't bought in weeks ends up placing the order, and the moment they confirm it, the driver already has it on their phone.

Nobody on the team touched anything in between.

What the driver receives

S
Sergio · Route 2
delivery
New order for delivery.

Customer: Laura Giménez
Phone: +54 9 11 5555-0142
Route: Route 2
Address: Los Álamos 340
Details: Order #612 — 1 × 20 L bottle · US$3.60
Delivery: today, 12 to 5 pm
Note: if possible, as early as you can within the slot.
Internal alert, at the moment the order is taken.
How the record gets completed while the customer chats
Your database

The data gets filled in by chatting.

Nobody calls anyone to ask how to spell their name. When a piece of data is needed, the assistant asks for it within the conversation it's already having. For your own contacts it can complete the record; if it comes from an ERP, it leaves a note so administration applies the change in the source system.

Look at the grey lines: everything the assistant did is recorded. If tomorrow someone asks why that name changed, it's written down who changed it and when.

Broken phone numbers, old addresses and badly loaded names get fixed this way: one at a time, the moment they show up. Without a data-update campaign nobody answers.

A
Aguas del Valle
online
Hi, how are you? Tell me, how can I help you today? 😊 While we're at it, let me bring your record up to date: whose name should I register you under?
Camila Duarte
🤖 record updated · label contact-edited
Great, Camila! I've saved you under that name. Anything else I can help you with?
Can you confirm the address? I moved
Of course. What's the new one?
San Martín 1450
🤖 address change requested · note for administration
Real case from the system. Name, address and order number changed.
See the sending controls, permissions and history

And all the fine control nobody shows you.

What you see in the panel on day one, without asking anyone for anything.

You set the rules

  • By days in arrears, amount or segment
  • Time window: never after hours
  • Your holidays and no weekends
  • Specific days of the month: the 1st and the 15th
  • Daily cap and minimum days between messages

Test before sending

  • Simulate and see whom it would reach
  • And the exact text they'll receive
  • All without sending a single message
  • Send a test to one contact
  • Stop a batch in progress

WhatsApp without paperwork

  • Create the templates from the panel
  • With action buttons included
  • They're submitted to Meta for approval on their own
  • See the status of each one
  • The month's usage in plain sight

Your data is yours

  • Contacts exportable whenever you want
  • Report of payments received
  • Full sending history
  • Custom fields you add yourself
  • Writes back into your system
› See the other 2 blocks it includes

Your brand, not ours

  • Your logo, your colors, your name
  • You choose what the assistant is called
  • And whether it's formal or casual
  • Emails with your identity
  • Your customer never sees Cobratia

The whole team inside

  • Three access levels
  • You create the users yourself
  • Shared conversation inbox
  • Configurable case board
  • Notes and tasks per contact
  • A CRM with pipeline, calendar and report

Companies like yours, with their own rules.

Seven different ways of collecting and selling. Under each one is what Cobratia solves for that particular business, and a sample rule. The numbers are configuration examples, not customers.

Driver unloading a 20-liter water bottle from the back of a van on a neighborhood street

Water and beverage delivery

600 customers · 3 delivery routes

The order comes in on WhatsApp, someone jots it on paper and something else reaches the van.

  • If they asked for 6 bottles, it doesn't record 1: it asks again.
  • With no reply, it follows up at 5, 10 and 15 minutes.
  • The alert reaches the driver on that route, not a landline.
  • It only offers the days you deliver in that area, holidays included.
A sample rule. For those who haven't bought in 14 days or more, offer a delivery. Anyone with an open order doesn't fall under any rule.
Employee of a cooperative serving a neighbor who brought their bill to a formica counter

Utilities cooperative: water, sewage, internet, cable

4,000 members · monthly bill

Every month you have to notify everyone, in order, without a round being missed or the same person being chased twice.

  • Runs on the days of the month you choose: the 1st, the 10th and the 15th.
  • If the 1st falls on a Sunday or a holiday, the round goes out on the business day.
  • Thousands of members don't fit in one time slot: the batch continues tomorrow.
  • The member sees their meter and their bills without calling the office.
A sample rule. On the 1st the bill notice goes out, on the 10th the reminder and on the 15th the demand to whoever is overdue. With a cap on sends per day and per channel.
Showroom of a neighborhood furniture store with a living-room set on display and the owner entering a sale at the counter

Installment sales with in-house financing

400 customers · furniture, appliances, motorcycles

You sold in twelve installments and the lender is you. They pay two, stop coming, and you end up chasing them at night with the printed list.

  • It speaks in installments: how many they owe, which are overdue, which is next.
  • If they're all overdue, it doesn't invent a date: it omits the line.
  • The plan comes down from your system and the customer sees it in full.
  • Whoever said "I'll transfer it now" and sent nothing gets reminded.
A sample rule. Notice 5 days before the due date and on the day itself. For anyone with two overdue installments, one message a week detailing which ones.
Alarm technician installing a sensor on the door of a house while the owner signs a form

Monthly subscription with no management system

300 subscribers · alarms, maintenance, gym

You charge the same every month and keep it in a spreadsheet. The one who stopped paying in March you discover in July, when it's already four installments.

  • You don't need a management system: the month's installment is generated on its own.
  • Optional: each subscriber with their own personal account.
  • When they transfer, the payment is detected and the reminders stop.
  • If the payment has no clear owner, nobody counts it as collected.
A sample rule. On the 1st the installment is generated, on the 5th the notice goes out and on the 15th the reminder. For anyone two months behind, an internal alert instead of another message.
Customer signing a paper at the counter of a small personal-loans shop

Lending house and personal credit

400 debtors · tiered arrears

There's no piece of furniture to repossess here: it's lent money. The call is awkward, the collector puts it off, and whoever stopped answering drops off the list.

  • Each tier of arrears with its message, its channel and its frequency.
  • There's a channel that doesn't write: it labels the case and alerts internally.
  • If they ask for a discount or more time, it doesn't negotiate: it alerts you and you decide.
  • Whoever asks not to be contacted is left out of every rule.
A sample rule. At 3 days late, a reminder. At 30, a weekly message. At 90, an internal alert and no more messages until a person looks at it.
Manager of a builders' merchant writing in a running-account notebook while a bricklayer waits for the delivery note

Over-the-counter running accounts

250 accounts · builders' merchant, hardware store, feed store

You sell on account to the neighborhood bricklayers and the balance lives in a notebook. At the end of the month you argue over the phone about what was paid and what wasn't.

  • Every account in one place: what they bought, what they paid, what's left.
  • You send them their account statement on WhatsApp, with their own link.
  • You filter by amount, days without paying or town.
  • Whatever they correct by chatting gets loaded into their record.
A sample rule. For those who go 30 days without paying, one message a week with the balance and the link to their account. For those who are up to date, nothing.
Saleswoman standing by the window of a bright office, smiling as she looks at her phone, while two colleagues talk at a table behind her

Companies that sell to companies

120 accounts · services, software, construction

Every sale takes weeks: a meeting, a quote, another meeting. The follow-up lives in the salesperson's head and in a spreadsheet nobody updates.

  • Every deal in its pipeline stage, with amount and probability.
  • The quote is accepted from a link and the deal moves to Won.
  • Each company with its people, their roles and what was discussed.
  • The assistant books the meeting in a free team slot.
A sample rule. To the "October Fair" list, on Tuesday at 10, a one-off email campaign with the invitation. Whoever answers lands in Leads, sorted by what they asked for.
Your operation, connected

It fits your business. Not the other way around.

Learn the concrete path for your line of business and what information we can connect.

UTILITIES

Cooperatives

Bills, balance inquiries and reminders. With your administration's rules and limits.

See member service →
INTEGRATIONS

The system you already use

Gestión Aguas / AIRTECH, e-Max and WaterService. We review the scope before connecting your operation.

See systems and scope →
One customer base, many stories

Close to every customer.
In every conversation.

An order, a question, a payment promise. Your custom agents serve with each contact's context and leave organized what your team needs.

Illustrative conversations. The platform works with your data, your rules and your brand.

The hardest thing to copy

Stop cross-checking the bank statement against your customer list.

Every customer gets their own personal account. The rest happens on its own.

01
They transfer to their accountAn account assigned to every customer, in your company's name.
02
It's detected instantlyWithout anyone checking the bank or entering anything.
03
It's attributed to the right customerEven if the husband, the son or a third party pays.
04
Alert goes out and the reminders pauseNobody asks for money from someone who already paid.
13.481

personal accounts active, one per customer, none shared.

The debt keeps living in your system. Cobratia reports the payment and alerts your team; you keep the numbers wherever you keep them today.

The money goes straight to your account. Your customers' personal accounts are opened in your company's name: Cobratia detects the payment and attributes it, but the money doesn't pass through us.

Works in Argentina and Mexico

Each of your customers receives their own bank account number and alias —or their CLABE, if you collect in Mexico— generated by us and in your company's name. When they transfer, the payment already carries the customer inside: nobody has to work out whose it was.

We don't need to connect your system

It works whatever ERP you have, or none at all. If we connect your system, the payment is reported and your system stays in charge; if we don't, Cobratia keeps the account.

We don't leave you alone with a panel.

We set it up with you, write the first messages together and adjust it when your operation changes.

✓Implementation included in every plan.
✓We connect the system you already use, without migrating anything.
✓If something doesn't work, we answer, not a form.
Security and data

You're going to hand us your customer portfolio. You deserve to know how we look after it.

Each company's data lives isolated, the access keys to your system are stored encrypted and there are daily backups off the server. It's written down and can be verified.

See how we look after your data
Every customer, isolated Your data doesn't mix with another company's. It's isolation at the database engine level, not a filter.
Encrypted secrets Your system's keys, the WhatsApp token and the collection credentials, encrypted with AES-256-GCM.
The debt isn't touched Cobratia reports and labels payments. Modifying the debt is always up to your system.
3-2-1 backups Daily copies, on several media and off the server, with restoration already tested.
Data agreement We sign a DPA with every customer. You're the data controller; we're the processor.
Genuinely audited Internal audits and a penetration test. Every finding, corrected and monitored.

Try it yourself, now. No sign-up.

Two things, right now and without leaving your details: enter the platform and tour it the way a company does, or talk to the assistant wherever you prefer.

Free entry

Come in and see the platform from the inside

It isn't a presentation or a video: it's the real panel, with a sample company loaded. Look at the board, open a customer's record, review the message history and the sending rules. Read-only: you can't break anything.

  • The board with the cases that need attention
  • Every contact's record, with their debt and their history
  • The sending rules and the log of what went out
User ver@cobratia.com
Password VerDemo2026
Enter the platform →

It's the account of Distribuidora El Manantial, a sample company with made-up data. No data from a real customer is visible.

WhatsApp Opens with the message already written Telegram Type /start and it begins
Let's talk

Would you rather we called you?

Leave us your details and we'll write to you. Plus, the demo starts with the assistant already knowing who you are, so you can continue wherever you like.

  • You get a sample by emailThe same debt summary our companies' customers receive.
  • You enter as a real contactThe assistant already knows who you are: continue the conversation wherever you like.
  • We write to youA person, not an automatic email sequence.
Don't want to fill in a form?

Write to us directly and we'll answer just the same.

WhatsApp +54 2246 59-0441 cobratia@cobratia.com
✓ You'll get a sample summary in your inbox from cobratia@cobratia.com. If you don't see it, check your spam folder.

Frequently asked questions

What people ask us most before getting started. If something's missing, write to us and we'll answer it.

What exactly is Cobratia?

A platform that talks to your customers on WhatsApp, email, Telegram and your website chat. It takes orders, tells each customer their balance and how to pay it, reads the receipts they send, detects the payment and alerts your team only when a person needs to step in.

Do I have to get everything?

No. Cobratia is eight modules —service, sales and orders, CRM, win back customers, campaigns, collections, payment validation and your customers' app— and you get the ones you need. The rest you see in the panel with a lock and add whenever you want, on the same record for each customer.

Does Cobratia have a CRM?

Yes. Cobratia's CRM has the sales pipeline, quotes your customer accepts from a link, companies with their people, each team member's calendar and tasks, and the sales report. It's available on its own or together with the rest, and if your customers are already in your management system, they come in on their own.

Does it replace my management system or my ERP?

No, it connects to the one you already have. Your system remains the source of truth for the debt: Cobratia reports the payment and labels the case, but never modifies balances. It's a product rule, not a configuration limitation.

Can the assistant make up an amount or promise something it shouldn't?

No. Amounts are set by the system from your database, not by the language model. If a piece of data isn't loaded, the assistant doesn't mention it rather than filling it in.

Do I need Meta to approve WhatsApp templates for me?

Templates are created from the panel, with their buttons, and submitted to Meta for approval on their own. From there you see each one's status and the month's usage.

Do my customers realize it's Cobratia?

No. The assistant carries your logo, your colors, the name you give it, and you even decide whether it addresses them formally or informally. Your customer never sees our brand.

How do I try the platform without committing?

Two ways, right now and without signing up: by messaging the assistant on WhatsApp, Telegram or this page's chat; or by signing in to the platform with a read-only account on a sample company with made-up data.

Which countries does it work in?

All of Latin America and Spain. The platform is multi-currency and multi-language, and each customer works in their country's currency.

Keep going

The three questions that follow "what does it do?", each with its own page.

Try the demo

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