Our No-Cost-to-Biller™ solution is an integrated model of processing which allows collection agencies to process credit cards, debit cards, HSA/Flex cards and ACH transactions for FREE. To ensure compliance, this solution was developed in collaboration with FDCPA expert and industry leaders in compliance.
It’s simple. Whether the transaction is processed through an agent, web portal, or IVR, a service fee is assessed for each transaction.
For example, if your consumer pays $100 with a credit card, the principle amount of $100 is processed by your agency and the service fee is processed by Base. The service fee is charged as a separate transaction and subsidizes your agency’s processing cost, which means your payment processing is FREE.
Partnering with Base is the best way for an agency to safeguard against FDCPA liability when assessing a service fee. We have strong banking relationships that encourage our processing model and strongly support our secure solution. Not sure if your consumer’s state supports the NCTB model? No worries - our system can programmatically determine if the consumer resides in a fee-restricted state. If so, standard processing will be processed in that transaction.
Pass the processing fees onto the consenting consumer and save yourself the cost to process!
We have developed a solution to keep you in compliance, so you don’t have to worry!
We work based on your client’s needs - standard fees, waived fees, or fees passed along. We’re flexible!
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Base Commerce, LLC is a registered ISO/MSP of Commercial Bank of California, Irvine, California; Fresno First Bank, Fresno, California; Esquire Bank, Jericho, New York; Merrick Bank, South Jordan, Utah; and First Bank & Trust, Brookings, South Dakota.