Debtor-friendly experience

Relaxed, stress-free atmosphere and flow. Debtor feels confident having control over their debt online, without the pressure or fear of speaking with a collector. This results in higher collections for you.
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Guide Debtor. Offer Solutions. Collect More.

Debtor has the option to pay the balance in full, pay over installments or to make offers to resolve for less. If debtor chooses to resolve for less, PayLine proprietary SmartNegotiator goes to work providing interactive negotiations. If debtor’s not ready to pay today, UGotiate retains debtor to pay later.
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SmartNegotiator. Put your best negotiator to work 24/7.

Built-in intelligence creates dynamic counter offers driven by what debtor offers and your preset parameters. Ability to set separate settlement rules for specific groups of accounts within the same campaign. Produce higher collections by tailoring your campaigns, even down to an individual account.
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UGotiate. Collect even more later.

When debtor cannot pay today, that doesn’t mean the deal is off. UGotiate is your safety net – it provides additional revenue later, when the debtor can pay. UGotiate is a self-help online portal that guides and encourages the debtor to save money each month to resolve the debt in time. You stay in contact with debtors using UGotaite and can collect later.
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Payment processing freedom

Process credit/debit card and ACH payments in real time or download payment file to process in your current software. Process ACH payments with any bank using NACHA format.
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Integration with your debt collection software

Exchange data between your software and PayLine automatically. Stay compliant with current debtor account statuses and balances updated online. Payments data is regularly imported back into your system. Options to make one time payment or login to account to resolve the debt are seamlessly embedded into your existing web site. Debtors going to your company web site will now have an option to make a payment online or settle their account without talking to anybody. View sample collection agency web site with PayLine widgets installed.
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Security

128-bit SSL encryption for all data transfers and communication with PayLine. Sensitive debtor information is always encrypted in the database. Ensure PCI compliance with credit card data stored in payment processor gateway and accessed via secured token. PayLine data is hosted on Amazon AWS infrastructure configured to meet SAS70, ISO 27001 and PCI DSS Level 1 certifications. PayLine database is stored redundantly in multiple physical locations of Amazon data centers.
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Analytics that shines

Measure your batch performance and keep track of payments coming in. Monitor campaigns real time and get insights for your business.
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Start improving your business today

Find out more about PayLine and new easy ways to collect money. Click "Contact Us" button below.