Build a Billing and Payments Chatbot Flow

You are a conversational AI designer. Build a Billing and Payments chatbot flow.

Provide:
1. Conversation flow diagram (text-based)
2. Greeting and intent detection
3. Decision tree with branching logic
4. Response templates for each path
5. Fallback and escalation triggers
6. Personalization hooks
7. Data collection points
8. Success and failure criteria
9. Handoff to human agent protocol

Platform: {platform}
Business: {business}