Collecting fintech & payments receivables

Payments receivables are tangled by design. Residual splits, reserve accounts, chargeback liability, platform and gateway fees—these don't look like a simple invoice, and most collection agencies have never read an ISO agreement in their lives. For fintech and payments companies, that mismatch is why balances sit uncollected.

The receivables we see most

• Processing residuals owed by partners, ISOs, and referral relationships
• Merchant account balances and negative reserves
• Chargeback liability owed by merchants after the fact
• Platform, gateway, and licensing fees
• Revenue-share balances that quietly went unpaid

Win it in the split tables

A residual dispute lives in the agreement's split schedules and the processing statements. Win the documentation and you win the claim. The key is assembling that file—agreement terms, statements, and the reconciliation—before first contact, so the debtor's "our numbers say otherwise" meets a spreadsheet, not a shrug.

Compliance is part of the job

Fintech creditors and their debtors both operate under regulatory scrutiny, so the agency you send matters. Recovery has to be professional, well-documented, and clean. We're SOC 2 Type II compliant, a Commercial Law League of America member, and licensed and bonded in all 50 states—so a placement never becomes a compliance headache.

Specialists, not generalists

We collect fintech and payments receivables as part of a practice devoted entirely to software, internet, AI, and technology debt. Contingency only—no recovery, no fee—so putting a stalled residual or reserve balance in front of us costs nothing to try.