Collection agencies face heavy regulation and dispute risk, so banks decline them. Structure underwrites debt collection and recovery merchants with FDCPA-aware banking relationships and the tooling the category needs.
Debt collection is one of the most regulated categories in financial services, governed by the Fair Debt Collection Practices Act and a layer of state rules. Add the disputes that come with collecting money people did not plan to pay, and mainstream banks decline the category outright.
Structure Payments underwrites collection agencies, debt buyers and recovery firms with banking relationships that understand the regulation and the dispute tooling the category needs.
The collection and recovery categories mainstream banks decline.
The category is declined on regulation and dispute risk, not on how you run it.
The Fair Debt Collection Practices Act and state rules govern how collections operate, and most processors exclude the category rather than support the compliance.
Consumers dispute charges they did not expect, so the vertical needs dispute tooling instead of a processor that closes the account.
Many acquirers exclude collections by blanket policy regardless of how compliantly an agency operates.
The category draws complaints by nature, and mainstream underwriting treats that as risk rather than context.
One-time settlements and recurring payment plans both need support, which ordinary processors will not provide.
No drawn-out underwriting theatre. A real person, a real timeline, a real approval.
One short form and a quick document upload. Your dedicated rep reviews it the same day — no call-center runaround.
We match you to the right banking relationship and gateway for your industry, chargeback history and volume.
Credentials, gateway and cart integration go live. You're accepting cards — usually within about 48 hours of applying.
Yes. Collection agencies, debt buyers and recovery firms can be approved through a high-risk processor that understands the regulation. Structure Payments approves them, usually within about 48 hours.
Because it combines heavy regulation under the Fair Debt Collection Practices Act with elevated disputes and consumer complaints. That mix pushes it outside mainstream underwriting.
Yes. Both one-time settlements and recurring payment plans are supported, with the dispute tooling that keeps chargebacks inside the thresholds that keep an account open.
We do everything possible to get you approved, and most merchants are processing within about 48 hours. No obligation to see your real rate.