Industries we serve
Our payment processing solutions are purpose-built for companies within the Collection / ARM, Healthcare, Property Management and eCommerce markets.
Collections & Accounts Receivable Management (ARM)
Collecting on past due accounts is both an art and a science.
We have 30 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
Healthcare
As consumer healthcare costs continue to rise, you need payment processing solutions that can keep up.
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
Legal
We serve both traditional and collection attorney law firms, so we have a payment solution to meet your needs.
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 30 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
Commercial Accounts & Recovery
We ask the right questions to deliver the best solution.
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
Payment solutions
Credit & Debit Cards
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.
Automated Clearing House (ACH)
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
Healthcare Savings Account (HSA) / Flexible Spending Account (FSA)
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
Payment Gateways
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.
Online Web Payment Portal
Online payments are rapidly growing with the ever-increasing use of non-cash digital payments. ezPay365 works with your team to understand your online payment objectives. Our goal is to improve payment portal click rates, which leads to more revenue. With ezPay365’s 30+ years of experience in the ARM industry, we work with our clients’ team members and MAP attorneys to deliver a product with measurable results.
Features include:
- Stand-alone SSL (yourname.com) or from your company website
- Online payment portal that meets compliance standards, including:
- FDCPA and State Disclosure acknowledgment tabs to proceed to checkout
- Privacy Disclosure and Sites Terms and Conditions
- Professionally built, allowing for a better user experience
- User-friendly check out experience, with field enabled prompts for ease of use
- Payment portal sites are mobile optimized to work on smartphone and tablets
Virtual Terminal / Agent-Based
Your ezPay365 Virtual Terminal / Agent-Based transaction is a secure web-based application that is integrated with your collection or CRM system to allow transactions to be entered and processed. The virtual terminal is secure and accessible from any connected device and allows an unlimited number of simultaneous users. This solution is ideal for Collection Agencies, Commercial Collection Agencies, Healthcare providers, Law Firms and MOTO (when payments are taken over the phone).
Features include:- Accept all major credit & debit cards, HSA/FSA and ACH payments
- One-off payments or set-up payment plans
- BIN Blocking for acceptance of debit card only transactions
- Enhanced fraud detection
Mobile
It’s 2024 and mobile payments are more and more common in our digital world. ezPay365 can provide you with secure EMV readers and tablet/PC-based software to facilitate payments anytime and anywhere.
Payment Negotiator Portal
Allowing consumers to make payments on their terms and their schedule, ezPay365 can integrate a Payment Negotiator Portal to help facilitate the payment process. Creditors authorizing agencies to offer settlements is very common, so we provide customers a collection tool that is available 24/7/365 to help consumers self-service their account transaction.
Features include:- Stand-alone SSL (yourname.com) or from your company website
- Online payment portal that meets compliance standards, including:
- FDCPA and State Disclosure acknowledgment tabs to proceed to checkout
- Privacy Disclosure and Sites Terms and Conditions
- Secure user login authentication
- One-off payments through a scheduled payment plan
- API connection for settlement options
- Automatic payment receipts
Interactive Voice Response (IVR)
ezPay365 understands that customer payment interactions are critical, so we work with several third-party interactive voice response (IVR) providers to integrate our payment process. And we do this all while keeping your discounted rate intact.
Work with industry leaders
Vice President of Sales and Marketing
Ron is a dynamic entrepreneur, seasoned business leader, and passionate sales enthusiast, boasting a diverse career spanning 19 years. A proud alumnus of Mississippi State University, Ron not only earned his degree in Business Administration but also made a impact on the football field as the teams Longsnapper for the Bulldogs.
Following his collegiate football career, Ron embarked on a journey of continuous education and coaching at Mississippi State University. Serving as a Graduate Assistant for Football and the Strength and Conditioning department, he deepened his knowledge and earned a Master of Science in Instructional Technology.
In 2004, Ron co-founded a technology company dedicated to connecting Learning Centers with highly skilled writing editors, aiding students in SAT/ACT essay preparation. Under his guidance, the company flourished, overseeing 90+ editors and collaborating with over 800+ learning centers across the country.
Over the years, Ron has worn various leadership hats, initially focusing on Finance before making a transition into the Collection Industry for the last 6 years. His multifaceted expertise and strategic vision have been valuable assets in shaping the success of the organization he has served.
Add With over 30 years of expertise in consumer communications and collections, Kevin founded ezPay365, bringing a wealth of experience to ensure a customer focused approach and a mutually successful client experience.
Before establishing ezPay365 in 2017, Kevin served as the CEO of a prominant Print and Letter firm in the receivables management industry. Under his leadership as CEO, Kevin guided a team of 125+ employee shareholders and significantly increased ESOP shareholder value by over 300% in just eight years. Commencing his career in sales after completing his studies at The Ohio State University with a dual major in Marketing and Logistics, Kevin continues to reside in the Columbus, Ohio metro area.
Kevin's career has been shaped by a strong work ethic, dynamic leadership, and proven processes. These values remain steadfast as Kevin and the ezPay365 team are dedicated to delivering best-in-class payment solutions at a competitive price.
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