How to collect payment tactfully and gracefully?

I feel that if you want to be smart and elegant in collecting money, then the "Buddhist style of collecting money" is very good. For example, if you want someone to pay you back, just go to his home without making any noise. , sit and chat with him every day, say some useless words, just stay with her like this, until she gets impatient, and he will naturally pay back the loan!