Callnovo
Industries
Products
Services
How We ThinkCompliance
Company

fintech

Your app moves money in seconds. Your support shouldn't take days.

AI agents and multilingual specialists that resolve payment failures, account verifications, and transaction disputes in 65+ languages — at the speed your users expect.

The short version: a named, dedicated agent from $5.80 an hour, because in fintech a support conversation is a record a regulator or a chargeback process may read later. AI voice at $0.15 a minute and web chat at $0.05 a session cover status checks, resets and how-to questions. Anything where money moved unexpectedly goes to a person.

Hand holding smartphone displaying digital wallet app interface, blurred monitor in background.

how it plays out

Real contacts, minute by minute.

Live Chat English

"My payment failed but the money left my account"

Highest-anxiety fintech support ticket

  1. User opens in-app chat about a stuck transaction
  2. AI traces payment through processor and identifies pending settlement
  3. Confirms funds are held, not lost, with estimated clearing time
  4. Proactively monitors and sends push notification when funds return
Resolved automatically funds confirmed
WhatsApp Portuguese

"I can't verify my identity"

KYC friction blocks activation

  1. User messages in Portuguese frustrated by repeated KYC failures
  2. AI identifies the rejection reason: blurry document upload
  3. Sends visual guide showing correct photo angle and lighting
  4. User resubmits successfully and account activates within minutes
Verification completed account activated
Email German

"I was charged twice for the same transfer"

Duplicate charge — trust-breaking moment

  1. User emails in German about two identical deductions
  2. AI cross-references transaction IDs and confirms duplicate
  3. Initiates automatic reversal for the duplicate charge
  4. Sends confirmation email with reversal reference and timeline
Instant resolution duplicate reversed
SMS Korean

"I got a notification about a login from another device"

Security alert — speed is everything

  1. User receives suspicious login alert and replies via SMS in Korean
  2. AI locks session on unknown device immediately
  3. Guides user through password reset and device verification
  4. Confirms all active sessions and enables additional 2FA
Handled without escalation session secured

the team behind it

Faces, not a queue.

Callnovo agentCallnovo agentCallnovo agentCallnovo agentCallnovo agent real members of the global team

FinTech-Trained Specialists

  • Deep knowledge of payment rails, settlement cycles, and chargeback flows
  • Experienced with platforms: Stripe, Adyen, Marqeta, Plaid, Unit
  • Trained to handle crypto, neobank, and embedded finance edge cases

65+ Languages

  • Native-speaking agents in English, Spanish, Mandarin, and 60+ more
  • Real-time AI translation for rare language pairs
  • Cultural context training for every market we serve

Follow-the-Sun Coverage

  • Operation centres in Canada, Bolivia, Nicaragua, the Philippines and China
  • Smooth handoff between time zones with shared context
  • Holiday and weekend coverage without overtime costs

what it costs

Published rates, so you can do the arithmetic first.

Most vendors in this category quote by form. These are our published packages — not a quote, since language mix, hours and volume all move the number. The per-minute figures are simply the monthly price divided by the included minutes.

OptionPublished pricePer minuteWhat it's for
Dedicated agent from $5.80 per hour, per agent A named dedicated agent for disputes, account freezes and anything a regulator may read back
AI voice $0.15 per minute Password resets, verification status and "where is my transfer" — high volume, record-based answers
Web chat $0.05 per session In-app and web chat for onboarding help, where drop-off happens in minutes not days
Live shared team from $300 / month includes 500 min → ≈ $0.60/min A shared live team for steady daily volume across chat and email
Live shared team from $650 / month includes 1,500 min → ≈ $0.43/min Launch weeks and incident days, when contacts spike faster than you can staff

Anything involving a person is a starting price. Two things move it: which languages you need, and how senior an agent the work actually requires — a bilingual agent handling refund authority is not the same hire as one taking bookings. AI voice and web chat are flat, because there is no hiring in them. And every model above is open to every business on this page: which one fits is a question about the shape of your volume, not about your industry.

Minimum engagement is half a seat — not a five-seat block. We also bill per resolved issue, from $1, where you pay nothing if it is not resolved; that model fits businesses where a customer problem actually gets solved on the call, not businesses where the call is intake.

who takes which call

Route by the cost of getting it wrong.

Most vendors sell you either an AI receptionist or a live answering service and leave the allocation to you. Since we run both, here is the split we would actually recommend — including the calls we think should never touch automation.

The callRoute toCost of getting it wrong
Password reset, app login trouble AI Low. Structured, and it is most of your volume.
Verification or onboarding status AI Low, where the record is the answer.
"Money left my account and I do not recognise it" Live agent High and uncapped. Fraud, tone and a clock all at once.
Transaction dispute or chargeback Live agent High. The record of this call is evidence.
Account frozen or under review Live agent High. The customer is locked out of their own money.
Anything the caller frames as a complaint to a regulator Live agent High. Escalate immediately, and log it precisely.

setup

Five days to put the right person on it.

Five days is our normal window to staff a live account — that is five days to find and place an agent who fits your business, not five days of software setup. AI voice can go live sooner because there is no hiring step.

your existing software

It goes into your system, with a record of who said what.

We work inside the CRM, practice system or case tool you already run, rather than handing you a second inbox to check. Every contact leaves a timestamped record — who called, what was asked, what was said back, what was promised — because in your line of work the question six months later is not "did someone call" but "what exactly did we tell them". Tell us what you run and we will say straight whether we connect to it today.

questions

What buyers ask before they sign.

How much does it cost?

AI voice is $0.15 per minute and web chat is $0.05 per session. Live agents start at $300 per month including 500 minutes — about $0.60 per minute — or from $5.80 per hour for a dedicated agent working only your account. The minimum engagement is half a seat, not a five-seat block.

How fast can you start answering our phones?

Five days is our normal window to staff a live account — that is five days to find and place an agent who fits your business, not five days of software setup. AI voice can go live sooner because there is no hiring step.

Do you answer in Spanish?

Yes, on the same number, with agents in our Bolivia and Nicaragua operation centres — native Spanish, not machine translation. English and Spanish share one queue, and we cover 60+ more languages if you need them.

Can I mix AI and live agents on one number?

That is the normal setup. You decide which call types go to AI and which reach a person, and you can change the split as your volume changes. Nothing about that decision is locked in at signup.

How do you handle a suspected-fraud call?

A person takes it immediately and follows the script you give us — we do not improvise on fraud. What we capture is the account reference, the transactions in question, what the customer says they did and did not authorise, when they noticed, and what device and channel they are on. It escalates to your team by the route you specify with a timestamped record, because in a dispute months later that record is the evidence, not anyone's memory.

Can your agents see account balances or move money?

Only what you grant, and we would recommend granting less than you think. Read access to status is usually enough for the volume that is worth outsourcing; anything that moves money or unlocks an account should sit with your own team behind your own controls. We work inside your system with role-based access and a per-agent audit trail, so who looked at what is answerable later. ⚠️ We do not claim any third-party security certification.

compliance

Regulatory Compliance Built In

  • PCI-DSS Level 1 compliant payment data handling
  • KYC/AML identity verification and suspicious activity protocols
  • State money transmitter license support documentation
  • CFPB consumer complaint response within mandated windows

start

See how AI resolves your users' payment issues in real time

We'll demonstrate failed payment recovery, KYC support, and dispute resolution with your platform.