Debtor portal
Let debtors resolve accounts on their own time
A secure portal where debtors see what they owe, pay, sign documents and write to your team, from a phone, at any hour.
- Balances and payment history
- Online payments
- E-signature
Balances and payments
What they owe, and a way to pay it
- Accounts and balances. Debtors see each account, its balance and their payment history.
- Pay what suits them. One account, the next installment or the full balance, by card.
- Saved cards and a confirmation. Debtors who sign in to the portal can save a card for the next payment. Each payment shows a confirmation with the amount and the authorization code, and your agency can set up an emailed receipt.
- Payment schedule. Debtors on a plan see what is due and when.
Pay without signing in
No account and no password needed to pay
- Payment links. A link in an email or text opens the debtor's balance, ready to pay.
- QR codes on letters. A phone camera opens the same page from a printed letter.
- Pay-by-phone code. A collector reads out a short code, and the debtor pays online without giving a card number over the phone.
Documents and e-signature
Agreements signed online
- Read and sign. Debtors open a document in the portal and sign it with ICCOSign, the built-in e-signature.
- Several signers. A document can need more than one signature, for example a debtor and a co-debtor.
- A record of the signature. Who signed, from which IP address and when.
- Or your own provider. CollectPlus also sends documents for signature through DocuSign and SignNow.
Messages and chat
Conversations that stay on the account
- Secure messages. Threaded messages with attachments, kept on the account record.
- Live chat. Your team answers in real time from the Chat Center, and the transcript is saved to the debtor.
- AI chat assistant. Answers common questions from your knowledge base and hands the conversation to a collector with a summary.
- "How did we do?" Debtors rate a resolved request, and you see the results by team.
Your agency, their choices
Your name on the portal, and the debtor's contact preferences
- Your wording. Your agency's name and text on the portal's home, sign-in and contact pages, in English and Spanish.
- Your disclosures. Licence numbers and required notices shown under the sign-in form.
- Contact preferences. A link in every email and text lets people opt out of, or back into, each kind of message, with no password.
For IT and security teams
How the portal works under the hood
- Payment links
- Links carry an encrypted payload and need no login. The amount is recalculated when the debtor pays.
- Pay-by-phone code
- An 8-digit code that is valid for 10 minutes, with a lock-out after repeated failed codes.
- Card payments
- Processed by Authorize.Net, NMI or Clover, with an on-screen confirmation.
- E-signature
- ICCOSign records each signer's IP address and the time of signing.
- Sign-in
- One-time codes by email or text can be required at sign-in, with trusted devices.
- Opt-outs
- The contact-preferences link in each email and text works without a login.
FAQ
Debtor portal questions
No. A payment link, a QR code on a letter or the Pay Now page opens the balance without an account or a password. Debtors who want to see their history, documents and messages sign in to the portal.
Yes. The payment pages are designed for phones first, and the rest of the portal adapts to small screens.
Yes. The portal's home, sign-in and contact pages carry your agency's name and wording, and you add your licence numbers and disclosures under the sign-in form.
Yes. Every email and text can include a link to the debtor's contact preferences, where they opt out of, or back into, each kind of message without signing in.
See the portal the way a debtor sees it
A 30-minute demo follows one debtor from a text message to a paid balance.