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Payment Processing and Merchant Solutions

ARM & Collection Agencies Merchant Services

Collection and ARM businesses are considered high risk for two reasons; 1st the card associations do not want “Old Debt” recycled on new or existing credit cards and 2nd because of potential chargeback risk.  ACQUPAY has a merchant service solution for qualifying ARM and Collection Agency businesses.

Qualifying agencies can enjoy the ability of problem free processing solutions with a provider that understands your specific processing needs.

Payment Processing
Merchant Rehab
Risk Management

Our processing partners offer online transaction management with a full range of options.

ACQUPAY specializes in providing payment processing solutions to Non-Traditional businesses like Accounts Receivable Management and Collection Agency companies. Our team members have more than 30 years of experience helping companies apply for, establish and maintain merchant accounts for these types of businesses.

Narrow Road Ahead

Why is it so difficult for Account Receivable Management and Collection Agency businesses to accept credit/debit cards?

The first answer is simple . . . the Card Brands (MasterCard, Visa, American Express, & Discover) do want old debt being recycled (charged) onto a new card.

The second reason is the potential threat of chargebacks.

And the third reason is a little more complex . . . With the rise in the use of “Branded” bank issued debit cards (a debit card supporting the Visa or MasterCard Logo), the decline in check usage, and society moving closer-and-closer to a true cashless society the only way for these types of businesses to receive funds is via telephone or electronically. ARM and Collection Agencies “need” to have the ability to accept debit/credit cards in order to exist as people are no longer using checks and even cash as a form of payment.

More simply stated . . . Accounts Receivable Management companies and Collection Agencies MUST HAVE A WAY OF ACCEPTING ALL FORMS OF PAYMENT OTHER THAN CASH!

ACQUPAY has a solution for your collection or accounts receivable management business as long as your business complies with all of the rules and regulations set forth by the card brands, the acquiring bank, and most importantly the Federal Trade Commission’s FCRA rules.

The ACQUPAY Difference

ACQUPAY knows what Accounts Receivable Management and Collection Agencies face and the risky nature of not only operating a business in this environment but keeping the doors open.

Over the past ten years ACQUPAY has processed over $100,000,000 worth of payments for its clients all on credit/debit cards which shows that our acquiring partners are open to working with businesses in this high-risk area. Our processing partners offer online transaction management with a full range of options to settle transactions in a safe, PCI DSS compliant environment.

We will assist in the application process, as well as putting together the proper supporting documentation package in order that your application is underwritten once without having to provide additional information numerous times.

ACQUPAY wants to be the first company you think of when it comes to payment processing so don’t wait . . . call us today or email any questions you may have and start processing with ACQUPAY today.

I think professionalism is important, and professionalism means you get paid.

Erica JongNovelist

Why Choose ACQUPAY?

Discover why our merchant services are a cut above the rest
Secure Payments

The data of our merchants and their customers are always protected with advanced data security.

Expert Guidance

Our team of specialized experts provide the software configuration that works best for your business.

Competitive Rates

Stop paying overpriced commissions — we offer the lowest processing rates and no hidden fees.

Dedicated Support

Receive ongoing service and on-demand support for any requests, repairs, and general assistance. 

Sign Up Today & Lower Your Processing Costs.

Request a free quote to find out how much you can save.