CW
Atlanta, GeorgiaProduct / AI / Engineering

CAL WHITWORTH

I’m Cal. I lead Advanced Solutions at REPAY.

My team builds software and works through the things around it: how people use it, what customers need, and what’s getting in the way.

Selected work

01 / REPAY VoiceLaunched at REPAY / 2026

Voice.

Make a payment by
talking to the system.

Launched at REPAY · Aug 6, 2026
The team & my part

My team pitched it and led the product and build. Mark Barrow, Austen Hensel and I built it from scratch and launched it at REPAY.

The caller’s experience01 → 04
  1. 01
    Call the payment lineThe same phone channel.
  2. 02
    Verify the accountAccount context and saved methods.
  3. 03
    Have a conversationSpeak naturally to make a payment.
  4. 04
    Confirm the paymentPayment processes in real time.

Explanatory illustration based on REPAY’s public product description.

Out in the world

REPAY introduced Voice
on August 6, 2026.

Read the launch announcement REPAY Voice at repay.com
Watch the demo

REPAY Voice demo.

The work after the call

Why did a
caller transfer?

One part I’m particularly interested in is what happens after the call. We take a transcript and extract structured data: why someone transferred, for example. That gives us a way to look at patterns across calls instead of reviewing them one at a time.

From a conversation to a query
01 / S3Transcript
02 / Language modelStructured
analytics
03 / PostgresPatterns
across calls

Explanatory illustration of the implementation described here.

Transcripts go to S3. A language model extracts the analytics. The results go into Postgres, where we can query them.

02 / Payix migrationProduct + operations / REPAY

Migrating customers
to REPAY

Configuration.
Contracts.
People.

Following REPAY’s acquisition of Payix, we built tools to automate configuration and keep track of the work. Then we worked through contracts, pricing, and customer participation.

One tool in that work

Glance

A place to gather email context and track open items across the migration.

A useful decision

Bring the partners
into the work.

One useful decision was getting loan management partners involved. We visited them, worked through incentives, and agreed on joint outreach. Customers who hadn’t responded to us began responding when their partner was involved.

Explanatory view / what the migration involved
ToolsConfiguration
& tracking
TermsContracts
& pricing
ParticipationPartners
& customers
03 / OFFEREDBuilt with George Quay

Comparing
real estate
offers

George Quay and I built OFFERED to help brokers compare letters of intent and learn from the history of previous bids.

Explanatory view / the information becomes useful twice
Within a dealCompare the offers.
Across dealsLearn from
previous bids.

A history to bring to the next comparison.

An illustration of the idea, using no customer documents or sample deal terms.

A little about me

Software, and
the work around it.

My team builds software and works through the things around it: how people use it, what customers need, and what’s getting in the way.

I lead Advanced Solutions at REPAY. I work across product and engineering, with the team and the people who use what we build.

A lot of that work uses AI. I’m interested in what we can do with information that used to be hard for software to use. Phone calls. Email threads. Contracts.

More about my background