Credit and Collection Agency Merchant Solutions

Accept payments instantly with our high-risk merchant credit collection agency processing. Our specialized underwriting expertise guarantees reliable account approval and continuous processing, even for agencies that traditional processors decline. Features include chargeback protection, recurring billing support, and same-day deposits.

Reduce processing costs by up to 75 percent compared to cards while offering debtors their preferred payment method. Our ACH solution includes automatic retry logic for NSF returns, account verification to prevent fraud, and batch processing that handles thousands of payments simultaneously.

Capture payments from over 50 percent of consumers who prefer digital wallets. Accept Apple Pay, Google Pay, PayPal, and Venmo with one-click integration. Our fraud prevention algorithms reduce digital wallet chargebacks by up to 65 percent compared to traditional card processing.

Transform one-time settlements into reliable payment streams with RecurPay. Set up flexible payment plans in seconds, with automatic retry logic that recovers up to 70 percent of failed payments. Debtors can modify arrangements online, reducing your call volume by up to 40 percent.

Turn your phone system into a 24/7 payment collection machine. Our natural language IVR handles varied payment types, validates account information in real-time, and processes payments without agent intervention — freeing your team for higher-value activities.

Boost contact rates by up to 60 percent with Text2Pay. Send payment reminders that convert into instant transactions with just two taps. Our compliant messaging system includes automatic opt-in management and delivery confirmation, guaranteeing every text counts.

Eliminate payment disputes with legally binding electronic signatures. EDoc captures debtor authorization in real-time, reducing chargebacks by up to 90 percent and providing irrefutable proof of consent for auditors and courts. The entire process takes less than 60 seconds.

Replace expensive paper statements with instant digital delivery. EBPP reduces your cost per statement by up to 80 percent while accelerating payment velocity by 10–12 days. Debtors can view balances, download statements, and pay immediately from any device.

Win up to 89 percent of disputes with our proven chargeback defense system. We compile compelling evidence packages automatically, respond to disputes within hours, not days, and keep detailed documentation that satisfies card network requirements.