In collections, the gap between agreeing an arrangement and capturing the payment is where the money leaks. An arrangement negotiated on a call gets written down, re-keyed into a payment system later, and the two records disagree. Add statutory rules on how and when a debtor may be contacted and charged, and manual handling stops being merely inefficient — it becomes a compliance exposure. Collect AU is a separate client and a separate engagement from Cloud Payment Group and from our Debtrak gateway work.
We connect the collections workflow directly to payment capture: an arrangement agreed with a debtor becomes a scheduled, reconciled payment schedule in one step, with the contact and consent record attached. Contact rules, hardship pathways and cooling-off periods are enforced by the system rather than remembered by an operator, and every state change is logged with who did it and when. Reporting shows arrangement health — kept, missed, renegotiated — instead of raw ledger movement.
Collections workflow to payment-capture integration · arrangement scheduling with consent and contact records · statutory contact-rule and hardship-pathway enforcement · full state-change audit logging · arrangement-health reporting in Power BI · secure API connectors.
Pattern detection over arrangement adherence, so accounts drifting toward default are surfaced early enough for a conversation rather than an escalation. Assisted drafting of correspondence inside strict guardrails, with human approval mandatory on anything affecting a debtor account and full logging of every automated step.
Earlier hardship identification from adherence patterns, routed to a human for a supportive conversation — never to an automated escalation.