Insights
Practical payment guidance, not sales copy.
Straight answers on compliance, economics, and operations for collection agencies, ARM firms, churches, nonprofits, and professional service organizations.
Convenience Fees for Debt Collectors: What's Legal, and What's a Compliance Risk
Convenience fees feel like free money on paper. In practice, they're one of the fastest ways a collection agency or ARM firm ends up in a card-brand investigation or an FDCPA complaint. Here's what actually governs them.
Recurring Giving for Churches & Nonprofits: A Practical Setup Guide
Most churches and nonprofits set up online giving once and never revisit it. The organizations that get the most out of recurring giving treat it as an operational system, not a donate button. Here's what that system actually looks like.
ACH Returns & Chargebacks: How to Build a Defensible Dispute Process
Most organizations handle ACH returns the same way they handle credit card chargebacks. That's a mistake — the rules, timelines, and valid dispute reasons are genuinely different, and treating them the same way is how defensible disputes get lost.