For over 10 years, Base Commerce has provided collections merchants secure and reliable solutions to accept payments. While a debt collector must have considerable empathy and persuasive skills, the right payment technology can play a significant role in making the process faster, more accurate and deliver better outcomes.

Improving Payment Acceptance

If you own a debt collection business, your success strategy should begin with the customer. Making it easy for your clients to pay is the simplest and most effective way to increase revenue streams and reduce time to payment.

When a debtor has an easier time making payments, they’re more willing to work out a payment plan. Base Commerce can help you improve payment acceptance in the following ways:

  1. Payment Types: Let your customers choose how they want to pay. Accept credit and debit cards, HSA cards, ACH payments, mobile wallets and more!
  2. Flexibility: Don’t rely on agents answering the phone. Make it easy and convenient for your clients to pay whenever they choose. Base Commerce offers integrated payment solutions for card-present and card-not-present payment acceptance methods. With a virtual terminal or online payment gateway, you can accept payments 24/7/365.
  3. Uptime: Ensure maximum uptime with minimal interruptions. When someone is ready to make a payment there should be no hiccups.
  4. Compliance & Security: Collections merchants operate in one of the most highly scrutinized and regulated industries in the U.S. Achieving and maintaining adherence to the myriad of processing guidelines (FDCPA, TCPA, FCRA, HIPAA, PCI, CFPB, etc.) is a labor-intensive but crucial job for agencies. Base Commerce solutions can help you ensure compliance to protect your business.

Reducing the Cost of Accepting Payments

Our No-Cost-to-Biller™ solution is an integrated model of processing which allows collection agencies to process credit cards, debit cards, HSA/Flex cards and ACH transactions for FREE. To ensure compliance, this solution was developed in collaboration with FDCPA expert and industry leaders in compliance.

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How It Works

It’s simple. Whether the transaction is processed through an agent, web portal, or IVR, a service fee is assessed for each transaction. For example, if your consumer pays $100 with a credit card, the principle amount of $100 is processed by your agency and the service fee is processed by Base. The service fee is charged as a separate transaction and subsidizes your agency’s processing cost, which means your payment processing is FREE.

Transaction Fee Structure

Take advantage of the No-Cost-to-Biller™ fee model and save money on transaction processing fees while remaining compliant with regulatory agencies. Our hybrid fee structure can be customized to fit your clients needs. Standard fees can be waived or passed along; you decide!

The following is designed to show how Base structures the fee model with a flexible, hybrid approach, accomplished by issuing three separate MID accounts to the Merchant.

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Fully Compliant

In addition to the processing guidelines, there are also card brand rules that have to be followed to ensure payments made using Visa, Mastercard, Discover, Amex, HSA and other cards continue without interruption.

Base Commerce recognizes the importance of staying in compliance with all these requirements to help mitigate risk, but more importantly to ensure that agencies can process payments promptly and continually.

Our No-Cost-to-Biller™ solution is designed to address the four primary compliance pillars:

  • Card brand rules
  • CFBP
  • State law

Partnering with Base is the best way for an agency to safeguard against FDCPA liability when assessing a service fee. We have strong banking relationships that encourage our processing model and strongly support our secure solution. Not sure if your consumer’s state supports the NCTB model? No worries—our system can programmatically determine if the consumer resides in a fee-restricted state. If so, standard processing will be processed in that transaction.

Getting Started

Are you ready to improve payment acceptance and reduce the cost of processing payments?
Base Commerce can help!

If you’d like more information on our No-Cost-to-Biller™ solution, click on the link below:

If you would like a free consultation, please contact:

Matt Nuyen
Sr. Enterprise Sales Manager
(833) 616-6669



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