HealPay

04/27/2026

At this week,

Feel free to reach out if you’re working on consumer-facing ACH or A/R collections-side rails!

🫰🤝 .online

02/02/2026

What happens in Vegas stays in Vegas 💚

01/28/2026

The team is headed to Vegas in a couple weeks for the RMAi Annual Conference. We're kicking off the week with the Branding Arc K1 Go-Kart Race on Monday night.

01/16/2026

Heading to Dallas next week. Come say hello to us in booth #65!

01/12/2026

Here's the paradox: AI can improve efficiency in collections, but only if it's designed with compliance as the foundation, not an afterthought.

We reviewed 2025's biggest FDCPA cases and extracted 5 compliance guidelines that should inform every AI system in collections.

The agencies that follow these guidelines? They're winning both on compliance and customer experience.

Read how https://zurl.co/dvUU2

01/11/2026

We will be in beautiful Palm Springs, CA next week at the International Association for Commercial Collectors Annual Convention.

Message/comment for a meet and greet 💚

12/23/2025

Sending compliant SMS in debt collection
https://zurl.co/huB0h

SMS continues to be one of the fastest ways to reach people. But in debt collection, texting comes with unique compliance challenges—especially around what counts as a “communication” under the FDCPA and what triggers the validation notice requirement. The good news? With smart workflows and t...

12/12/2025

💡 How AI Protects Consumer Data in Phone Interactions — Without Compromising Payments

One of the biggest concerns we hear from collection agencies and law firms exploring conversational AI is this: “How do we keep sensitive payment information secure?” The good news is that modern AI-powered phone systems are built with customer privacy and data security at the core — not as an afterthought.

Here’s how secure AI phone interactions work in practice:

🔐 1. Data Minimization & Smart Input Collection
AI systems are designed to only request the information needed to complete a task, like a payment or balance inquiry. They don’t collect or retain extra personal details beyond what’s necessary, reducing the amount of sensitive data that systems ever see or store.

🔐 2. Masking Sensitive Input (e.g., Card Tones)
Technologies like DTMF masking hide the tones when a caller enters card numbers during a call. That means sensitive numbers are never heard by agents, never recorded in logs, and often never touch your internal systems at all — helping maintain PCI DSS standards.

🔐 3. Built-in PCI DSS Compliance
Secure voice payment systems are inherently designed around the Payment Card Industry Data Security Standard (PCI DSS) — the global benchmark for card data protection. PCI DSS guidelines govern how cardholder data must be collected, processed, transmitted, and protected so risk of fraud and breaches is minimized.

🔐 4. Tokenization & Encryption Options
Beyond masking, solutions often use tokenization — replacing real card details with non-sensitive placeholders — and strong encryption to make sure any data that is processed can’t be misused if intercepted.

🔐 5. Enhanced Trust & Consumer Confidence
With privacy still front of mind for most people, transparent, secure AI interactions help build trust — a core differentiator for agencies who handle highly personal financial data day in, day out.

Bottom line:
Conversational AI isn’t just about automation or efficiency — when implemented with secure practices like data minimization, masking, encryption and PCI compliance, it enhances privacy and protects your most sensitive interactions.

11/07/2025

https://zurl.co/khH41

💡 The Future of Collections is Configurable: 5 Insights from ACA Fall Forum 2025 As the industry gathered in Orlando for ACA International’s Fall Forum 2025, one theme stood out loud and clear: the future of recovery belongs to agencies and firms that can adapt fast—combining automation, comp...