Success story

A leading roadside assistance company in Argentina and neighboring countries. With an operation built on thousands of recurring payments, it faced the challenge of reclaiming control over a fully outsourced collections process.

$9B

recovered automatically

51%

of declined payments recovered

100%

reduction in card brand penalties

Taking back control of collections was only the beginning.

Transforming a critical operation without stopping the business

Auxilio24 is a roadside assistance company that operates continuously across Argentina and neighboring countries, managing tens of thousands of recurring collections every month as a core part of its business model. For years, its entire collections infrastructure was fully outsourced to an external provider that handled processing, held the banking agreements, and managed collections directly — leaving the company with little visibility into a critical process. With a new growth vision, the company set out on a deep transformation: regain autonomy, migrate its entire financial operation to an in-house structure, and build infrastructure capable of supporting scale, efficiency, and full control.

Meet the company

«We knew we couldn't keep growing on a structure that gave us neither control nor visibility over something as critical as collections»
Santiago Epelde
CEO of Auxilio24

Problem

A critical collections process fully outsourced

Solution

Migrate, automate, and optimize the entire operation

Result

More control, recoverability, and efficiency

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Problem

All collections depended on a third party

Before implementing Debi, Auxilio24 operated under a model where an external provider processed the company's entire collections flow — managing banking agreements, handling automatic debits, and concentrating much of the financial circuit. This led to delays in settlement, high delinquency, little traceability on each transaction, and total dependence on a process that directly affected the financial health of the business. On top of that, thousands of enrollments were handled manually, errors were frequent, and the infrastructure made it nearly impossible to scale efficiently.

Solution

Migrating a full operation with no room for error

The challenge was huge: in less than six months, Auxilio24 needed to leave its outsourced setup behind and become the absolute owner of its entire collections infrastructure. Together with Debi, the company enabled new agreements with multiple financial institutions, centralized all payment methods, automated processing, implemented validations, designed retry strategies, and built an entirely new operation without interrupting the business. But the transformation went beyond automation. As the operation evolved, custom business analytics dashboards were developed to understand portfolio behavior, identify opportunities, and make better decisions on processing strategies and channels. Collections stopped being a static process and became an operation that could be analyzed, adjusted, and optimized continuously.

Result

From a chaotic process to an operation under control

The transformation not only improved collections indicators — it recovered something even more important: autonomy over a critical business process. New processing strategies automatically increased monthly collections, recovered payments that had initially been declined, and fully reduced penalties associated with card brands. With greater traceability and analytics tools tailored to their business, the team gained a much clearer view of what was happening in their portfolio and the information needed to keep optimizing the operation.

Results achieved

From 1 to multiple automatic retries

Custom business analytics dashboards

Collections 100% under in-house control

From $18M to $200K in avoided penalties

When collections stop being a problem, the business can focus on growth

«With Debi we went from completely disordered collections to recovering more than 50% of declined payments»
Santiago Epelde
CEO of Auxilio24