Host Merchant Services

Menu
Facebook-f X-twitter Linkedin-in

Debt Collection Agencies

Collect Smarter, Process Safer, Grow Faster – Payment Solutions Designed for High-Risk Debt Collection Agencies

Quick payouts, secure processing, and scalable merchant solutions that enable your agency to collect efficiently and grow with confidence.

Operating a debt collection business comes with unique challenges. Host Merchant Services helps your agency accept payments online, by phone, or in person – securely, efficiently, and with a steady cash flow you can count on.

The Payment Partner Debt Collectors Can Rely On

Operating a debt collection business comes with unique challenges. Host Merchant Services helps your agency accept payments online, by phone, or in person – securely, efficiently, and with a steady cash flow you can count on.

Fast Approvals

Get approved for a high-risk merchant account in minutes, allowing your business to begin processing payments without delays.

Low Reserve Requirements

We offer high-risk merchant accounts with minimal reserve requirements, helping you manage cash flow and keep more of your revenue.

Free Payment Equipment

Qualify for a free EMV-compliant terminal or mobile card reader to make accepting payments easier than ever.

24/7 Customer Support

Our team is always available to help with questions, troubleshooting, or guidance.

Competitive Rates

High-risk payment processing doesn’t have to be expensive. We give you options to achieve the best possible processing rates for your business.

High Approval Success

More than 98% of applicants are approved. Forget about rejections — our staff works to make the process seamless and dependable.

Full Payment Options

Accept credit cards, debit cards, ACH, and more from all major brands. We give your business the flexibility it deserves.

Chargeback Support

We assist collection agencies in handling chargebacks, mitigating risk, and keeping merchant accounts in good health.

Fast Funding

Get your deposits fast with next-day funding options to keep your cash flow consistent.

Get Started

Stay in Control with Smarter Payment Collection

Host Merchant Services exceeds standard payment processing to assist collection agencies in simplifying operations, minimizing risks, and growing with confidence.

Custom Settlement Solutions

Have access to specialized accounts for agencies needing controlled access, and safe management of third-party funds.

Real-Time Insights & Reporting
Get live dashboards for measuring agent performance, recovery rates, and client payment activity. Make data-driven decisions with the most up-to-date and accurate information.
Seamless Scalability
Scale your growing payment volumes without requiring new contracts or accounts. Our platform scales as your collection agency grows.
Custom Settlement & Escrow Solutions
Customized accounts permit the secure management of escrow funds or regulated payout timelines, providing agencies with flexibility for strict collections.
Multi-Channel Integration
Embed payments across multiple channels, phone, email, mobile applications, and online portals, to give clients several convenient payment options.
Flexible, Transparent Terms
No long-term contracts or surprise fees—all terms are simple, negotiable, and tailored to meet your agency’s requirements.

Payment Solutions for Every Collection Industry

Third-Party Debt Collection Agencies
Debt Settlement & Consolidation Companies
Legal Collections & Judgment Recovery
Medical Billing & Revenue Cycle Staff
Utilities & Telecom AR Teams
Fintech Lenders & Servicing Platforms
Subscription & Membership Recoveries
Education, Tuition, and Alumni Giving

Begin Accepting Payments in Just a Few Steps

Setting up a collection agency merchant account is really easy with Host Merchant Services. Just follow these simple steps:

Complete the Online Application

Submit a simple online application to begin your collection agency account.

Submit Required Documents

Provide the necessary documents to validate your application and facilitate easy approval.

Receive Expert Guidance

Our underwriting staff will assist you in the approval process and reply to all your queries.

Start Accepting Payments

Once you have been approved, start accepting payments instantly and securely to expand your revenue through your collection agency.

Trusted Partner of Debt Collectors Across the Country

Host Merchant Services made establishing our debt collection payments easy and efficient. Our transactions are more secure and trustworthy.

– Jason M.

Our high-risk debt collection business now accepts payments online, in-office, and over the phone with no disruptions.

– Rebecca

Their virtual terminals and recurring billing make client payments convenient to process. HMS support is always available.

– Carlos T.

HMS knows high-risk businesses and provides compliant, secure solutions that keep our operations running smoothly.

– Monica P.

Get Started with Debt Collection Payment Solutions

Host Merchant Services empowers you to take charge of payment processing. Speak to a dedicated specialist to easily establish your merchant account and begin processing without the need to wait. Reach out to us at 877-517-HOST (4678) or fill out our contact form, and our team will connect with you shortly.

Start Collecting Payments Smoothly and Securely Today!

Frequently Asked Questions

What kinds of payments can I accept?

Credit cards, debit cards, ACH/eChecks, virtual terminals, payment links, and QR codes — all major payment types.

Can high-risk collection agencies qualify?

Absolutely! More than 98% of applicants with high-risk profiles are approved, including debt collection, legal collections, and specialty recovery agencies.

Is my clients’ payment data safe?

Yes. We secure sensitive financial information with advanced encryption and fraud detection to guard against unauthorized access.

Can I hold recurring client payments?

Yes. Card-on-file tokenization enables secure recurring or installment payments without revealing sensitive data.

Do you offer customer support?

Our experts are available 24/7 to respond to questions, troubleshoot, and assist your agency.

Do you supply equipment for processing payments?

Yes. Organizations may be eligible for free EMV-enabled terminals or mobile card readers to make accepting payments easier.