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Responsible collections by country

In force since October 14, 2026

Also in Español · Português

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What does WhatsApp require in every country?Which countries have a guide?

Each country sets its own rules for contacting a debtor. This guide sums up each country's rules with their official source. The business collecting follows them. Makatea brings features to comply. The guide grows as each country's law is reviewed.

What does WhatsApp require in every country?

WhatsApp requires two things before you message someone. The person gave you their number and agreed to receive messages from your business.

Its policies prohibit payday loans, peer-to-peer lending and debt collection as a business. The ban applies regardless of the company's licenses.

Payment reminders from a business to its own customers are what Makatea is built for.

Official source Políticas de WhatsApp Business

Which countries have a guide?

  • Colombia

    What time can you collect debts in Colombia?

  • Brazil

    Which debt collection rules apply in Brazil?

  • United States

    What time can you collect debts in the United States?

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