Debt Collection
Collection Agencies Get Judged on Optics. We Underwrite on Facts.
Debt collection is a licensed, heavily regulated industry that most processors refuse on reputation alone. An FDCPA-compliant agency with clean complaint history is a bankable business — it just needs to be presented as one.
The Problem
FDCPA optics scare banks before the file is read
Acquirers see the collection category and picture consumer complaints, regulator attention, and payments disputed by debtors who claim they never authorized them. The result is blanket refusal, even for agencies with state licensing, bonded operations, and careful FDCPA practices. Agencies end up pushed toward payment channels that are more expensive and less reliable than they deserve.
What We Deliver
The working parts
01
Compliance-forward underwriting files
Your licensing, bonding, complaint history, and FDCPA procedures are assembled into a file that replaces the category's reputation with your record.
02
Authorization discipline for debtor payments
Payment flows built around recorded, documented authorization — the single strongest defense against the unauthorized-payment disputes this category attracts.
03
Card and ACH side by side
Card acceptance for immediate settlements and ACH for payment plans, arranged so each rail is underwritten and priced for its actual use.
04
Placement with agencies-accepting banks
We board collection agencies with acquirers that state the category in policy, sparing you another round of silent declines.
05
Reserve negotiation with review dates
Where reserves are required, we negotiate the terms and put scheduled reviews in writing so the reserve shrinks as your history proves out.
Also in High-Risk Expertise
Send one statement. Get a straight answer.
We'll separate interchange from markup, show you what's negotiable, and put a recommendation in writing — whether or not you sign with us.
No exclusivity · No pressure · A written analysis either way