PayJoy POC

3/24/26 Results — Multi-Channel: 486 SMS + 87 Voice, 2 Store Directions

VOICE SMS 87 Outbound Calls + 486 SMS Texts  |  575+ Total  |  March 24, 2026

Lorikeet

3/24 At A Glance

575+
Total Multi-Channel Outreach
486
SMS Texts Sent (Biggest Batch)
2
Store Locations Delivered
0
BAD Quality Calls
486 SMS in one batch — biggest approval text blast of the POC.
Every text includes approval notification, store locator, tienda.payjoy.com link, and 14-day activation reminder. Combined with 87 voice calls for 575+ total outreach. Katia got store in Saltillo (713m). Liliana persisted through triple “¿Bueno?” and got store in Tulum (~2km). Fifth consecutive outreach day with zero BAD calls.

How 575+ Outreach Broke Down

87 outbound voice + 486 SMS + 2 inbound callbacks — biggest SMS batch of the POC

VOICE SMS 87 Voice + 486 SMS

486 SMS Approval Texts (biggest batch)
~52 Voicemail / No Answer (WARNING)
~29 Processing / Unscored
6 GOOD Quality Interactions
2 Inbound Callbacks
2 Store Locations Delivered

Voice: 6 GOOD + 52 WARNING + 0 BAD = 58 scored (spanish 2 phone financing script only). SMS: 486 outbound approval texts — no customer replies yet, every message seeds the store locator pipeline.

TQS Quality Breakdown (Voice)

GOOD
10% of scored calls
6
WARNING
90% — voicemail/no-answer edge cases
52
BAD
0% — zero bad calls!
0

58 scored + ~29 processing out of 87 voice tickets (spanish 2 only). WARNING is voicemail prompts, not quality issues. Zero BAD calls — fifth consecutive outreach day.

First session to combine voice and SMS at scale. 486 SMS texts create a persistent touchpoint — customers can tap the store locator link anytime in the next 14 days. Voice adds the human-feel nudge on top.

486 SMS Approval Texts — Biggest Batch

Every text includes financing approval, store locator info, tienda.payjoy.com link, and a 14-day activation reminder. This is the SMS pipeline compounding — each batch seeds hundreds of potential store visits over the next two weeks.

SMS What Each Text Includes

486 MESSAGES SENT — outbound approval batch
1. APPROVAL NOTIFICATION
Confirms financing is approved and phone is ready to pick up
2. STORE LOCATOR
Directions to nearest PayJoy distributor with address details
3. ONLINE OPTION
Link to tienda.payjoy.com for online purchase alternative
4. 14-DAY REMINDER
Approval window reminder — creates urgency to act
486
SMS Texts This Session
SMS PIPELINE COMPOUNDING
Previous batches: ~822 SMS (3/19 + 3/21). This batch adds 486 more. Total SMS pipeline: 1,308 texts seeded across the POC. Each one is a persistent touchpoint with a 14-day activation window.

Voice calls are one-shot — if the customer doesn’t answer, the moment passes. SMS persists on the phone for 14 days. The customer can tap the link to find stores at 2am, on the bus, whenever they’re ready. This is why multi-channel matters.

Featured Conversations — 3/24

Katia Yamilet View Ticket →
Store Location — Saltillo

Chose in-store pickup. Gave postal code 66084 (spoken as “sesenta y seis, cero ochenta y cuatro”). Agent geocoded to Saltillo, Coahuila, found Om (Movistar) at Pérez Treviño 481-A PTE Zona Centro — only ~713m away. Told to bring INE and active phone number. Clean 3-minute conversation.

Daniela
¡Hola! Habla Daniela de PayJoy. ¿Hablo con Katia Yamilet?
Katia
¿Sí?
Daniela
Tu financiamiento PayJoy ha sido aprobado. ¡Felicidades! ¿Tienda o en línea?
Katia
No. (chose in-store)
Daniela geocodeAddress getClosestStores
Hay un Distribuidor PayJoy a solo setecientos trece metros de ti, en Pérez Treviño 481-A, Saltillo, Coahuila.

CP 66084 → Saltillo → Om (Movistar) — 713m away. Clean 2-tool chain, closed properly.

Store Location — Tulum (Persistence)

Answered with “¿Bueno?” three times before confirming identity. Agent persisted with different approaches each time. Once connected, Liliana chose in-store, gave CP 77789. Agent found Telcel on Calle Neptuno, Tulum, Quintana Roo — ~2km away. Full flow completed despite rocky start.

Daniela
¡Hola! Habla Daniela de PayJoy. ¿Hablo con Liliana?
Liliana
¿Bueno?
Liliana
¿Bueno?  ×3 total
Daniela
¡Hola! Soy Daniela de PayJoy. ¿Hablo con Liliana?
Liliana
Sí lo escucho.

3× “¿Bueno?” → persistence → CP 77789 → Telcel Tulum, ~2km. Full flow from rocky start.

Store Locator in Action — Katia Yamilet View Ticket →

CP 66084 → Om (Movistar), Saltillo, ~713m away

Daniela
¡Hola! Habla Daniela de PayJoy. ¿Hablo con Katia Yamilet?
Katia
¿Sí?
Daniela
¡Excelente! Buenas noticias, tu financiamiento PayJoy ha sido aprobado. ¡Felicidades! Puedes visitar una tienda o comprarlo en línea. ¿Tienes alguna preferencia?
Katia
No.
Daniela
¿Me puede dar su código postal para encontrar la sucursal más cercana?
Katia
Sesenta y seis, cero ochenta y cuatro.
Daniela geocodeAddress getClosestStores
¡Excelentes noticias! Hay un Distribuidor PayJoy a solo setecientos trece metros de ti, en Pérez Treviño cuatrocientos ochenta y uno A PTE Zona Centro, Saltillo, Coahuila. Solo necesitas llevar tu INE y tu número de teléfono activo.
Katia
Ok.
Daniela
¿Hay algo más en lo que pueda ayudarte?
Katia
Sería todo.

CP 66084 → geocoded to Saltillo, Coahuila → Om (Movistar), Pérez Treviño 481-A, ~713m. Clean conversation, closed in under 3 minutes.

What Happened Behind the Scenes

Tools used: geocodeAddress, getClosestStores

2 API calls to deliver real-time store directions from a spoken postal code

Spoken Numbers → Postal Code → Store

Customer said “sesenta y seis, cero ochenta y cuatro” (66084). Agent correctly parsed this as postal code, geocoded to 25.425, -100.985 in Saltillo, Coahuila. Found 5 stores within range.

5 Stores Found Within Range

1. Om (Movistar) — Pérez Treviño 481-A (713m)
2. Citycell Sal Merco Centro (955m)
3. OM Play Mobil SLT — Plaza Guadalupe (992m)
4. OM Plaza GPE SLT (992m)
5. Citycell Minicel Farmacia (1.02km)
Agent selected the closest and gave clear directions.

713m = ~9 minute walk

All 5 stores within a kilometer of each other — dense coverage in Saltillo’s Zona Centro. Customer has multiple options within walking distance.

Voice Persistence: Triple “¿Bueno?” → Store in Tulum

Liliana answered “¿Bueno?” three times before confirming her identity. Agent adapted its approach each time — shorter intro, clearer identification request — until connection was established. Then completed the full store locator flow to Tulum.

Liliana View Ticket →

OUTBOUND CALL — rocky start, clean finish
Daniela
¡Hola! Habla Daniela de PayJoy. ¿Hablo con Liliana?
Liliana
¿Bueno?
Daniela
Sí, hablo con Liliana, ¿es usted?
Liliana
¿Bueno?
Daniela
¡Hola! Soy Daniela de…
Liliana
¿Bueno?
Daniela
¡Hola! Soy Daniela de PayJoy. ¿Hablo con Liliana?
Liliana
Sí lo escucho.
Daniela
Tu financiamiento PayJoy ha sido aprobado. ¡Felicidades! ¿Tienda o en línea?
Liliana
Lo checaron en tienda.
Daniela geocodeAddress getClosestStores
Hay un Distribuidor PayJoy a solo dos kilómetros de ti, en Calle Neptuno, Manzana 004, Lote 001, Local 13, Colonia Tulum Ruinas, Quintana Roo.

3× “¿Bueno?” → agent persisted → CP 77789 → Telcel, Calle Neptuno, Tulum — ~2km away. Full flow from rocky start.

“¿Bueno?” Before Connection
AGENT ADAPTATION
Attempt 1: Full intro with name. Attempt 2: Direct identity question. Attempt 3: Shorter intro (interrupted). Attempt 4: Full intro again, clearer. Liliana finally confirmed: “Sí lo escucho.” — then the full flow executed perfectly.

“¿Bueno?” is the standard Mexican phone greeting — it doesn’t mean the customer can’t hear. It often means they’re waiting for the caller to identify themselves clearly. The agent recognized this pattern and never gave up, eventually breaking through with persistence. A human agent might have hung up after the second attempt.

Platform Insights — 3/24

Multi-Channel at Scale

First session to combine 87 voice calls + 486 SMS texts in a single outreach day. SMS creates a persistent 14-day touchpoint; voice adds the personal nudge. The two channels reinforce each other — customers who miss the call still get the text.

SMS Pipeline Compounding — 1,308 Total

Previous batches seeded ~822 SMS (3/19 + 3/21). This batch adds 486 more, bringing total SMS pipeline to 1,308 texts. Each one sits on a phone for 14 days with a store locator link. The compounding effect means hundreds of potential store visits accumulating over time.

Voice Agent Persistence

Liliana said “¿Bueno?” three times before confirming identity. Agent tried different approaches each time — full intro, direct question, shorter intro, full intro again — and eventually broke through. A less resilient system would have abandoned the call. This persistence directly led to a store locator completion.

Zero BAD Streak — Day 5

Fifth consecutive outreach day with zero BAD quality calls (3/18, 3/19, 3/21, 3/23, 3/24). The system is stable and consistent. Even with multi-channel complexity added (voice + SMS simultaneously), quality hasn’t degraded. This is production-grade reliability.

GOOD
10% of scored
6
WARNING
90% — voicemails
52
BAD
0% — zero!
0

POC Progression → 3/24

Days 1–3
137
Customers
188 attempts
Tuning
Days 4–5
215
Customers
514 attempts
75% conv
3/16–17
669
Combined
281 + 388
60% conv
3/18
413
Voice only
Highest call vol
8th phone
3/19
468
Voice + SMS
468 outreach
9th phone
3/21
429
Voice + SMS
Flywheel callback
A26 pricing
3/23
561
Voice only
8 callbacks
Biggest voice
3/24
575+
Voice + SMS
486 texts
Multi-channel
4,551+
Cumulative Outreach Attempts
9
Total Confirmed Phone Pickups
1,308
SMS Pipeline Seeded (Cumulative)
575+ outreach
486 SMS + 87 voice • Multi-channel • 2 stores • Zero BAD • 1,308 SMS total

Next Steps

Track
Follow up on 2 store directions: did Katia (Saltillo, 713m) and Liliana (Tulum, 2km) complete purchases?
Track
Monitor SMS click-through rate — how many of the 486 texts result in store locator link taps over the next 14 days?
Analyze
SMS vs. voice conversion: which channel drives more store visits per outreach? The 1,308 SMS pipeline should start showing signal.
Scale
Multi-channel is working. Can we increase both channels simultaneously? Target: 600+ voice + 500+ SMS in one session.
Improve
Voice persistence on “¿Bueno?” calls — Liliana required 3 attempts. Can we tune the agent to break through faster with a more direct opener?
Celebrate
Biggest SMS batch, 5-day zero BAD streak, and voice persistence breakthrough with Liliana. The POC is scaling across channels.
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