Payment processing that pays off

We have 25 years of experience working with collection agencies and helping to facilitate account recovery. We assist our clients by understanding the types of accounts you are collecting, and we’ll work with you to ensure that the payment process is compliant, accurate and easy for your customers to navigate. We are committed to reducing your cost per transaction and lowering your merchant expenses.

Our collections and ARM services include:

• Virtual Terminal/Agent-Based: Easily accept payments with integrations through your collection software or payment gateway
• Reoccurring payments
• Online payment portal: Professionally built and company branded, our secure payment portals adhere to compliance standards and provide a payment experience that’s easy to navigate
• IVR: inbound telephone payment integration that allows customers to self-serve

We work with a diverse group of healthcare providers, offering solutions for healthcare collection agencies, providers, physician groups, dentists and labs for services ranging from self-pay AR to bad debt collection payments. More importantly, we assist with direct payment entry into your software system, virtual portal, online payments, IVR system and EMV point of sale machines.

Our payment solutions for healthcare include:

• Major Credit & Debit card acceptance and ACH payments
• HSA/FSA card processing
• Online payment portal that includes provider-branded sites
• IVR: inbound telephone payment integration that allows customers to self-serve
• EMV-equipped POS machines

Traditional Law Firms

We help traditional law firms in their accounts receivable process, assisting with navigating payment workflows to maximize payment processes, reduce labor costs, mitigate risk and allow consumers to self-serve. And, we’ll do this while consistently maintaining your firm’s brand integrity.

Collection Law Firms

We have a proven track record of working with collection attorney law firms over the past 25 years. In most cases, these types of accounts have already passed through a third-party collection agency, so assisting clients in collecting these payments is critical to their success. We’ll also make sure that reoccurring payments, either through a virtual terminal or an online payment, are handled accurately.

Our law firm payment solutions include:

• Virtual Terminal/Agent-Based
• Secure and branded online payment portal
• Enhanced fraud detection
• Duplicate payment notifications
• Reoccurring payments

ezPay365 has extensive experience working with commercial accounts for payment and recovery, so we know that these types of accounts differ from other payments due to factors such as corporate cards, purchasing cards, and high-end branded cards.

Our commercial account and recovery payment solutions include:

• Virtual Terminal/Agent-Based: Easily accept payments with integrations through your collection software or payment gateway
• IVR: inbound telephone payment integration that allows customers to self-serve
• Online payment: professionally-built, branded, secure payment portals, adhering to compliance standards and providing a payment engagement experience that’s easy to navigate
• Enhanced fraud detection
• Duplicate payment notifications
• Reoccurring payments

ezPay365 assists clients with the acceptance of all major credit and debit cards. We understand that obtaining a high or managed risk merchant account can be a challenge, so our team will use their experience and relationship with our bank’s underwriting department to make this process easier.

To accommodate changes in payment habits due to modern technology, we help our clients with technology-based non-cash payment channels, including agent-based, virtual terminal, online, IVR, mobile and Text2Pay.

Our Automated Clearing House (ACH) payment processing gateway is geared to provide flexible ACH and Check21 processing. With our integrated gateway you can manage your ACH payments and reporting through your online portal.

Benefits of ACH payments:

• Offers customers lower cost payment processing compared to credit cards (CFPB July 2017 Bulletin- disclosure of different payment fee options)
• Expedited funding to deposit or trust accounts
• Flexibility of another payment channel to accept client payments
• Online reporting portal to manage ACH payments, funding, returns, NOC and more
• Flexibility to accept various payment plans, from one-time to reoccurring
• ACH payments grew by 5% in 2017: 25 billion transactions moving $43 trillion dollars

ezPay365 helps clients with acceptance and payment processing for HSA (Healthcare Savings Accounts) and FSA (Flex Spending Accounts). Accepting both HSA and FSA is important for companies collecting on healthcare accounts. To accept these types of payments, you need a provider that can ensure your payment process is set up correctly, the first time.

Why HSA/FSA accounts will be important this year:

• 42 million Americans have a medical bill in collections
• HSA accounts have increased by 20% this year to 19 million accounts
• Since 2008 HSA accounts have grown from $1 billion to an estimated $43 billion this year

Using proprietary software, ezPay365’s Payment Gateways are equipped with certified PCI-DSS (Payment Card Industry Data Security Standard) servers that move your transaction information to the acquiring banks and obtain responses from issuing banks. This process provides instant notification if a transaction has been approved or declined. ezPay365 works with multiple gateway providers to provide the functionality that best serves your needs.

We can help with all your Payment Gateway needs, including custom reports for clients, accounts that require debit card only, ensuring that duplicate payment verifications are built-in, and optimum fraud monitoring.