A support line that verifies
before it helps
Viyo answers member and customer calls for banks, credit unions, lenders, and insurance offices - handling balance and payment questions, card issues, application status, and appointments - with identity verification on every call, 24/7.
The calls the branch and call center handle daily
Set your verification steps, disclosure scripts, and the rules for what the agent may and may not do.
Confirms who's calling before it says anything
Every call that touches account data runs through your verification flow first. The agent won't read a balance or make a change until the caller passes - and it logs the outcome.
- Your KBA or one-time-passcode flow, enforced every time
- Nothing account-specific disclosed before a pass
- Verification result logged on every call
I just need my checking balance.
I can help once I verify you. I've sent a 6-digit code to the phone on file - can you read it back?
4 1 9 2 0 3.
Thank you, you're verified. Your available checking balance is $2,418.65.
Locks a lost card in the moment
Card problems can't wait for business hours. The agent verifies the caller, freezes or cancels the card, orders a replacement, and starts dispute intake on any unauthorized charges.
- Instant freeze or cancel after verification
- Replacement card ordered on the call
- Structured dispute intake for unauthorized charges
I can't find my debit card and I think someone used it.
I've frozen the card now. I see two pending charges from last night - do you recognize a $180 charge at an electronics store?
No, that's not me.
I've started a dispute for it and ordered a new card, arriving in 5-7 days.
Makes the reminder calls staff never get to
The agent runs outbound calls for missed payments, expiring cards, and document requests - with the disclosures your compliance team scripts - and books a callback with a person when needed.
- Payment reminders with approved disclosure language
- Document-request and renewal calls
- Books a licensed rep when the call needs one
This is a courtesy reminder that your auto-loan payment of $312 is past due. This call may be recorded. Would you like to make a payment now or set up a date?
I can pay Friday.
I've noted a payment arrangement for Friday and will text a confirmation.
What the caller gets
Money questions are stressful - callers want a fast, secure answer.
No waiting
Answered on the first ring, day or night, even at peak hours.
A secure call
Verification handled quickly and consistently, every time.
Their language
40+ languages, switching mid-call if the caller does.
A path to a person
Callers can always ask for staff and be warm-transferred with full context.
A payment-due-date rush, before and after
- Hold times spike around statement and due dates
- Staff repeat the same verification script hundreds of times
- Lost-card calls after hours go to a generic voicemail
- Payment-reminder calls never get fully staffed
- No consistent record of what was disclosed on a call
- Every call answered and verified without a queue
- Verification runs the same way on every call
- Cards frozen and replaced 24/7, in the moment
- Reminder and renewal outreach runs automatically
- Every call recorded with the verification outcome logged
Consistent, logged, and in your control
Built for sensitive calls
Encryption, recording-consent controls, scripted disclosures, and configurable retention.
Every call on record
Full transcript and audio for each conversation, with the outcome tagged - resolved, booked, escalated, or message.
Scoped by design
You define exactly which actions the agent can take and which must go to a person.
Live in minutes
Start from an industry template, connect a channel - phone, web, or your app - and your tools, and go live. Setup is automated, no onboarding project.
Viyo does not provide financial, legal, or tax advice. Disclosure scripts, verification requirements, and the list of permitted actions are configured and owned by your compliance team.
Hear it verify a caller and pull a balance
Free to start. No credit card. Build an agent with your verification flow and call it in minutes.