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Credit and Collection Agency Merchant Solutions

Credit and Collection Agency Merchant Solutions

Improve collection procedures, increase cash flow, and offer customers the convenience of after-hours and anywhere-anytime payments with E-Complish.
Our expertise, advanced technology, and comprehensive analytics ensure successful payments across the collections cycle.

Empower your debt collection business success with a first-rate collection agency merchant account that comes with the secure processing solutions you need.

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We Are Your Trusted Credit and Collection Agency Merchant Account Provider

If you’re a debt collection agency that needs to take payments from debtors, you’re in the right place. E-Complish’s flexible payment collection services let you accept payments via credit/debit cards and ACH safely and efficiently online, over the phone, by email, and with mobile devices.
At E-Complish, we recognize the need for tailored payment processing solutions. Our talented in-house programmers ensure that your payment collection solution is personalized to reflect your brand rather than ours.

Above all, our collection agency merchant services prioritize security, availability, and flexibility. E-Complish’s successful debt collection industry stories speak for themselves – our first client still works with us today, 21+ years later.

More about E-Complish

Our Credit and Collection Agency Merchant Services

We understand that credit and collection agencies need to be able to bill and accept payments without interruption. That’s why we offer a comprehensive suite of payment processing solutions 24/7.

Payment Acceptance Solutions for Credit and Collection Agencies

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Debit & Credit Card Processing

E-Complish has many years of experience working with high-risk merchants enabling them to accept secure and PCI-compliant credit and debit card payments online, by email, text, and over the phone.

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ACH Payment Processing

ACH payments give customers the convenience of immediate online payments with the security of bank-level encryption. With ACH, businesses can provide their customers with a secure and reliable payment option that can be completed from anywhere with internet access.
Interactive Voice Response

E-Wallets

E-wallets provide a safe and quick option for collecting payments. Additionally, their various security elements, like identity confirmation and reviewing transaction records, act as an extra layer against fraudulent activities.

Our Credit and Collection Agency Payment Channels

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Recurring Payments

Streamline recurring payments with our web-based solution, RecurPay. This hassle-free, secure process allows you to rest easy - knowing that your automated transactions meet the highest PCI-level compliance standards, with seamless integration across all desktops and mobiles.
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IVR Payments

Eliminate the hassle of handling inbound customer phone calls with E-Complish's phone-based payment IVR system. Its powerful automated features, such as touch tones and voice recognition, complete customer transactions on your behalf, allowing you to focus on other business areas.
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Text/SMS Payments

Secure debt payments that can be made anytime, anywhere, on any SMS-capable device with Text2Pay. Benefit from improved payment accuracy and speed, while customers enjoy the convenience of easily paying bills.

Other Merchant Services for Debt Collectors

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E-Signature

Secure signatures from EDoc lower chargebacks and ACH returns by up to 30%. Our signature service lets debt collection businesses produce, send, and receive signed documents digitally.
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Electroniс Bill Payment and Presentment

Going digital allows customers to pay their bills the same day they receive them instead of waiting for snail mail, reducing time spent checking mail and printing and mailing costs.
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Chargeback Management

E-Complish makes adhering to PCI DSS and dealing with chargebacks much easier and faster than ever before. In addition, its dispute management feature and real-time reporting system ensure data safety and minimize fraud.
View All the Solutions

Boost Your Debt Collection Rate with E-Complish

We partner with debt collection service providers to deliver customized payment processing solutions that allow the debt collection industry to uphold the highest compliance standards.
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Boost Your Debt Collection Rate with E-Complish

Benefits of Payment Processing Solutions for Debt Collectors

  • Multiple Payment Methods: Accept credit/debit card and ACH payments quickly and easily with personalized debt collection merchant accounts.
  • PCI-compliant gateway: Reliable security features, including internet encryption, multi-password protection, and user-level security with PIN.
  • Customization: Our debt collection merchant services can be customized to meet any complexity, from the simplest to the most intricate.
  • Electronic billing: Businesses who have converted to EBPP have seen, on average, a 20% reduction in costs and a 15% reduction in late or missed payments.
  • Embrace digital transformation: Capitalize on new business opportunities and deliver outstanding customer service.
Benefits of Payment Processing Solutions for Debt Collectors
Clients Reviews

Clients Reviews

5.0
Very appreciative of the good support I received I specifically want to thank Matt, Bill, and Stephen
Alec K.
Waste Management Industry, Pasco, WA
5.0
The E-Complish team helped us decrease our delinquencies by 15% and increased our online payments by 80%!! I cannot say enough about how this team works with us to analyze the problem and provide a solution. Not once did they try to upset us on a product that we did not need. I consider E-Complish a partner and consultant, not just a vendor.
Angie S.
Major Auto Finance Company (1500 Branches), South Carolina
5.0
You guys continue to be one of the best vendors I work with. Keep it up, since you set the bar high, I have come to expect it going forward! Thanks for your support.
Bennett L.
Auto Finance Industry, Evanston, IL
5.0
Wow – Just Super and Thanks! Can’t tell you all how much I really appreciate your staff is always looking into stuff so quickly… I wish all of my vendors were as responsive as you all have always been!
Brittany Johnson | Accounting Director
OnePoint Technologies, Inc., Woodstock Georgia Area
5.0
The support team is always making sure our needs are met.
Crystal M.
County Supervisor, West Virginia County Water & Sewer Utility
5.0
Jason is awesome as usual and pulled through for us with never a complaint. If only he could be cloned…then the world of IT would be in a much better place.
D’Anne K.
City Utility Services, Boulder, CO
5.0
E-Complish set the standard for what U.S. Auto Credit expects of its vendors. E-Complish has brought together a group of professionals that have created a partnership with U.S. Auto Credit, and provide a level of support one expects of full-time hires. Their knowledge of collection practices, card processing and software development has furthered our collection activities, while promoting profitability and decreasing collectors’ talk time. I am a self-professed fan of E-Complish, and I would not hesitate recommending E-Complish for any job they solicit. Greg hired E-Complish as an Online Payment Processor in 2009 and hired E-Complish more than once Top qualities: Great Results, Expert, High Integrity
Greg Gaines | eCommerce Director
U.S. Auto Credit, Jacksonville, Florida Area
5.0
E-Complish has provided SMECO with outstanding payment processing services over the years. The pay-by-phone and electronic bill payment services that they provide are best-in-class, and extremely cost effective. The E-Complish team are extremely customer focused, flexible, and have successfully implemented payment processing solutions for us under very aggressive timelines. They are truly a valued service provider for our organization, and I highly recommend their solutions.” Joe hired E-Complish as an Automated Payment Services in 1999 and hired E-Complish more than once Top qualities: Great Results, Expert, Good Value
Joe Trentacosta | SVP & CIO
Southern Maryland Electric Cooperative, Inc., Washington D.C. Metro Area
5.0
Your company came up in a discussion here the other day. They were discussing different E-Complish APIs than E-Complish offers. I told them to be nice to you because your group always does an excellent job for us. One of the other people in the discussion agreed. He said something along the lines of wanting to kick most vendors but he was very positive about working with E-Complish. Thanks, all. You are appreciated!
Kim R.
RTO Software Provider, Kansas City, MO
5.0
The guys always come through. I never worry when sending a question or issue because I know it will be resolved.
Kim R.
Rent-To-Own Chain (5,500 stores), National and Canada
5.0
Everyone is impressed with the IVR and webpage, very excited we partnered with you guys for this, already have the wheels turning on more we can do in the future.
Robert F.
Financial Services, Tampa, Florida
5.0
Since bringing E-Complish into the fold as our overall payment processor we have experienced little to no problems with processing while reducing our cost by over 30%. They are quick to respond to any question or problem that we have and do a great job of keeping informed as to the ever changing world of electronic payments. I would highly recommend E-Complish as a payment processor as they will streamline your processes and take many of the headaches out this necessary business application. I checked off the three attributes but could easily make a case that our relationship with E-Complish has been personable, they have vast expertise in this area, they produce the files in a timely manner every time, and they also operate with the highest amount of integrity. I don’t give recommendations lightly as a matter of business practice but this is one I have no problem giving. These guys do a great job! Ronald hired E-Complish as a Payment Processor in 1999 Top qualities: Great Results, Good Value, Creative
Ronald Kline | Accounting Director
SMECO, Washington D.C. Metro Area
5.0
I always enjoy working with your team – the IVR enhancement effort could not have gone anymore smoothly! Your teams’ willingness to implement changes -and make insightful recommendations (to said changes) – were greatly appreciated!
Susan Norris
SMECO, Energy Provider
5.0
E-Complish is a proficient, detail oriented, personable and knowledgeable payment partner that helped us setup and streamline our on-line payment processes. E-Complish is always very prompt in responding to our inquiries and we appreciate the relationship we have developed with the E-Complish team! Thomas hired E-Complish as a ON LINE PAYMENT PROCESSOR in 2007 Top qualities: Great Results, Personable, Expert.
Thomas Oberwetter | Attorney
Paskin & Oberwetter Law Office Ltd, Madison, Wisconsin Area
5.0
Jason was terrific. He responded immediately to my ticket and quickly fixed the problem. Thanks!
Weygandt, B.
City Government, Colorado Utility Services

A More Convenient Way to Settle Debt

Interested in collection agency credit card processing? Want assistance with processing payments related to debt collection? E-Complish is your go-to resource. Our merchant account services are designed specifically for the collection agency industry. Reach out to us today to find out how we can streamline your payment collection process.
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Recurring Payments

Frequently Asked Questions

How much does your payment processing solution cost?

We strive to ensure our prices are competitive and tailored to meet your agency's exact specifications and the number of transactions. Personalized pricing packages guarantee that our solutions suit your budget and provide you with the highest value.

Are your solutions compliant with industry regulations?

Yes, our payment processing solution meets the requirements of various regulations in the industry, such as the Fair Debt Collection Practices Act (FDCPA), the Consumer Financial Protection Bureau (CFPB), and the Payment Card Industry Data Security Standard (PCI DSS).

Can your solution integrate with my agency’s existing software?

Yes, E-Complish's payment processing solution is compatible with many debt collection companies’ software and CRM systems. Our team will collaborate with you to provide effortless integration and sustained support.

How secure is your payment processing solution?

Our solution utilizes the most modern encryption and PCI and NACH-compliant protocols to guarantee that all exchanges are fully safeguarded. Additionally, we provide fraud detection and prevention services to protect debt collection agencies and customers from the risk of fraud and identity theft.