Channel: Portal
Most debtors would rather handle it themselves.
Given a clear, private way to see what they owe and resolve it, most debtors take it. The HL Hunt portal is where every text, email, and letter points: verify identity, see itemization, pay or set up a plan, dispute, or update preferences, at any hour, without talking to anyone.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- 62%
- Payments completed without any human contact
- 2 taps
- From link to payment
- 24/7
- Available on any device
- WCAG
- 2.1 AA accessible
What Payment Portal does on HL Hunt
Secure verification
Debtors verify with partial identifiers before any balance is shown, satisfying third-party disclosure rules.
Clear itemization
Original creditor, itemization date, principal, interest, fees, and payments in plain language. Builds trust and cuts disputes.
Pay or plan
Card, ACH, and wallet payments in full or partial. Affordability-based plan options with autopay enrollment in the same flow.
Dispute and validation
Request validation, dispute a balance, or submit documents directly. Outreach pauses automatically.
Preferences and opt-outs
Choose channels, set contact times, update contact information, or opt out, with every change honored immediately.
Your brand, your domain
White-label design on your domain with your logo and colors, so debtors recognize who they are dealing with.
Turn on Payment Portal outreach today.
Create a free account, upload your first accounts, and compliant AI outreach starts within the hour. No credit card, no contract.
How it works
- 01
Link in every message
Texts, emails, and letters include a unique, secure link or QR code to the debtor's portal.
- 02
Verify and view
The debtor confirms identity and sees the balance, itemization, and options.
- 03
Resolve
Payment, plan, dispute, or preference change is recorded instantly and the account updates everywhere.
The channel that turns outreach into payment
Every other channel exists to get a debtor to a decision. The portal is where the decision gets made. A text can get attention, but if resolving the debt requires calling a number during business hours and waiting on hold, most debtors will not. If instead the text opens a page that shows exactly what is owed and offers a payment button and a plan option, a large share will act immediately. The portal is why HL Hunt resolves a majority of accounts without human contact.
Design matters here. Debtors arrive stressed and suspicious. The portal verifies identity without demanding too much, shows itemization clearly, uses plain language, and never pressures. Plan options are presented as choices with a recommended one highlighted. Payment is a few taps with card, bank, or wallet. Disputes and validation requests are as easy as payments, which is both required by law and good practice: a debtor who can dispute easily trusts the process more.
The portal is also a compliance surface. Verification satisfies third-party disclosure rules. Itemization meets Reg F requirements. Preference and opt-out controls honor Reg F and TCPA rights. Every action is logged to the account. And because the portal is on your domain with your brand, debtors recognize it as legitimate rather than suspecting a phishing attempt.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| Payment Portal compliance | Channel-specific consent, opt-out, and timing rules enforced automatically | Manual list management and hope |
| Who does the work | AI contacts, converses, negotiates, and collects; humans handle exceptions | Agents on a dialer working whatever fits in the day |
| Compliance | Every contact checked against FDCPA, TCPA, Reg F, and state law before it happens | Training, scripts, and audits after the fact |
| Channels | SMS, email, AI voice, letters, and a self-service portal chosen per debtor | Phone calls and letters on a fixed schedule |
| Coverage | Every account worked, including small balances | Large balances worked; the rest ages out |
| Visibility | Every message, transcript, promise, and payment live in your dashboard | A monthly PDF report |
| Cost | Free to $649 a month plus 3% to 26% commission; Enterprise custom | 25% to 50% contingency, or seats plus modules plus services |
Pricing
Start free. Pay only on what you recover.
Payment Portal is included on every plan. Start at $0 a month with 50 active collections, and move up as your portfolio grows. Commission falls from 26% on Free to 3% on Enterprise, and it is charged only on money actually recovered.
Enterprise: unlimited collections, seats, SMS, voice, and email with a 3% commission, SOC 2 reports, DPA, and dedicated support.
- $0
- Free
- $149
- Basic, per month
- $349
- Growth, per month
- $649
- Scale, per month
50 active collections · 26% commission · 1 seat
250 active collections · 15% commission · 3 seats
1,000 active collections · 10% commission · 10 seats
5,000 active collections · 6.5% commission · 25 seats
Everything included
One platform covers all of it
Payment Portal is one part of the platform. Every HL Hunt plan, from Free to Enterprise, includes the full collections stack, so you never bolt on a second vendor as your portfolio grows.
- AI outreach engineRight channel, right time, right words for every debtor.Learn more
- SMS, email & lettersEvery channel, orchestrated per account.Learn more
- AI voice agentCompliant calls that take payments and hand off.Learn more
- AI payment plansAffordability-based plans negotiated automatically.Learn more
- Payments & portalCard, ACH, and wallets with a self-service portal.Learn more
- Compliance engineFDCPA, TCPA, Reg F, and 50 states, on every contact.Learn more
- Disputes & validationNotices, disputes, and cease requests handled.Learn more
- Recovery analyticsLive liquidation, channel, and cohort reporting.Learn more
- API, CSV & MCP serverConnect your LOS, billing, or let your agent do it.Learn more
Get started
Go live with Payment Portal today
Create a free account, upload your first accounts, and AI outreach begins within the hour. No credit card, no contract, no implementation project. Here is what to have ready.
Prefer to talk first? info@hlhunt.org
- 01A CSV or system export of delinquent accounts: name, contact details, balance, and itemization
- 02Consent and contact-preference data you hold for phone numbers and email addresses
- 03Your legal entity, any collection licenses you hold, and the states you collect in
- 04Brand assets, tone preferences, and any approved message templates
- 05A sending domain or subdomain for email and a business name for texts and calls
Payment Portal FAQ
How do debtors verify their identity?
With a combination of partial identifiers such as date of birth, last four of SSN, or ZIP code, configurable by your risk preferences. Access links are unique and expire.
Which payment methods are accepted?
Credit and debit cards, ACH bank transfers, and digital wallets, with convenience fees handled per state law and your policy.
Can debtors dispute through the portal?
Yes. Disputes and validation requests are captured with optional document upload, outreach pauses automatically, and the validation workflow begins.
Is the portal accessible?
Yes. It meets WCAG 2.1 AA with screen reader support, keyboard navigation, and language options including Spanish.
Still have questions?
Talk to a collections specialist, or start free and see the platform for yourself.
Start recovering more today.
Create a free account, upload your first accounts, and compliant AI outreach begins within the hour. Pay commission only on what you recover.