Let debtors negotiate and settle balances on their own terms with a compliant, self-service payment tool.
What Is a Bill Negotiation Service & Why It Matters
Chasing debtors by phone is expensive and increasingly ineffective. Many consumers avoid collection calls altogether, leaving balances unresolved and your agency burning resources on accounts that never convert.
An online bill negotiation service gives debtors a self-service portal to review their balance, negotiate a settlement, and arrange payment on their own schedule. No phone call, no agent time wasted.
Payment Savvy's bill negotiator is built for collection agencies. It automates negotiation according to your business rules, accepts debit cards, credit cards, and ACH, and keeps every interaction compliant. Debtors engage more when they can handle things privately, which means more accounts are resolved at a lower cost.
Benefits & Features of Automated Bill Negotiation
Resolve more accounts with less agent involvement.
Higher Recovery Rates
Debtors who avoid phone calls will often engage with a self-service portal. Removing the human barrier means more consumers interact with your agency and settle their balances.
Lower Operational Costs
Automated bill negotiation handles repetitive tasks that otherwise require agent time. Fewer calls, staff hours, and resources spent chasing unresponsive accounts.
24/7 Availability
Your bill negotiation service works around the clock. Debtors can review balances, negotiate terms, and make payments at any time without waiting for business hours.
Reduced Debtor Friction
Many people find collection calls intimidating or embarrassing. A private, online bill negotiator removes that barrier and gives them a comfortable way to resolve their debts.
Compliant and Secure
Every interaction runs through a PCI DSS-certified and NACHA-compliant platform. Payment data is protected, keeping your agency and your users safe.
Scalable for Growth
Handle increases in account volume without hiring additional staff. The automated system scales with your agency, applying the same rules and criteria consistently across every account.
How It Works
A simple process for your agency and the consumer.
Set Your Rules
Define the parameters for settlements, payment plans, minimum amounts, and negotiation terms. The system follows your business rules automatically.
Consumer Self-Serves
Debtors access the portal, review their balance, and negotiate a settlement or payment plan without speaking to an agent. They choose to pay by debit card, credit card, or ACH.
Payment Collected
The agreed amount processes securely in real time. Your agency receives the funds, and the account is updated automatically.
Industries That Use Our Bill Negotiation Services
Collection Agencies
Automate debt recovery with self-service negotiation and payment tools.
Healthcare
Let patients settle outstanding medical bills online at their convenience.
Law Firms
Offer clients self-service settlement options for outstanding legal fees.
Utility & Energy
Give customers a simple way to resolve overdue utility balances.
Unlock Your Full Potential
Combine bill negotiation with our other payment processing services.
ACH Payment Processing
Low-cost electronic check processing ideal for settlement payments and recurring plans.
IVR Payment Processing
Automated phone payments for debtors who prefer to pay by phone 24/7.
Recurring Billing
Set up automated payment plans for consumers who negotiate installment arrangements.
Chargeback Prevention
Protect your merchant account from disputes with proactive chargeback management.
Trusted by Collection Professionals
"Switching to ACH processing saved us thousands in transaction fees. The integration was seamless, and our cash flow improved significantly with faster settlements."
PCI DSS
Compliant
NACHA
Certified
$500M+
Processed Annually
Frequently Asked Questions
Ready to Get Started with Online Bill Negotiation?
Give your debtors a private, compliant way to settle their balances while your agency collects more with less effort. Payment Savvy's bill negotiation service is customized to your rules and ready to scale with your business.
✓ No setup fees ✓ Fast approval ✓ 24/7 support