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Flexible Payment Programs

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American Payment Technologies, Inc. provides an internet platform for enhanced collections with two different services. At the initial cycle APT provides the Discount Two-Pay© Service. At 45 days prior to third party assignment APT provides for hardship special terms collection on selected balances with the Pre-collection Hardship Program (e-Counselor©) Service. These two services are designed to be a transparent offering to the Customer. Click on the links below to learn more:

  1. Discount Two-Pay© Internet Service
    View White Paper The Discount Two-Pay© Service allows you to offer the Customer a small incentive to use the internet site for payment. This internet payment option will provide for you a faster receipt of funds and will allow you to capture payment at a lower cost than any other method.

  2. Pre-collection Hardship Program (e-Counselor©)
    The Two most important benefits of the Pre-collection Hardship Program (e-Counselor©) are the ability of this module to provide a low cost and highly effective tool for low to mid balance delinquent accounts.
    View White Paper Pre-collection Portion: You provide a compassionate way to structure a payment stream that the customer/patient can afford where you continue to collect 100% of the balance due.
    View White Paper Hardship (e-Counselor©) Portion: If the customer/patient is clearly under financial stress that prevents reasonable payment, this module will virtually work with the budget, suggest improvements, and develop an affordable payment stream that will be less than the balance but far more (net funds back) than can be achieved via assignment of the accounts to a third party.

For Collection Agencies working with First Party or Third Party assigned accounts:

  1. Use the Discount Two-Pay Internet Service as an initial screen for all low to mid balance accounts
  2. Use the Pre-collection Hardship Program (e-Counselor) with modified discounts as a collection treatment for all balance sizes as a supplement to your normal collection cycle.


Flexible Payment Program workflow    View the Process Flowchart for both programs...
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2011 Patent Pending on the American Payment Technologies Flexible Payment Programs and related functionality.