Debt type: Buy Now, Pay Later
Missed installments, resolved before they become losses.
BNPL balances are small, volumes are huge, and the customer experience is everything. HL Hunt places accounts by API the moment they slip, reaches customers in your brand with two-tap payment links, and resolves balances that no agency would bother with.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- API
- Real-time placement and recall
- -68%
- Cost per resolved account vs. agency
- 2 taps
- From text to payment
- Reg Z
- Readiness as CFPB rules apply
How HL Hunt collects buy now, pay later
Instant placement and recall
Accounts place the second they cross your threshold and recall the moment a customer pays in-app.
Brand-safe experience
Your tone, your sender name, your portal. Customers never feel handed to a stranger.
Profitable small balances
AI contact costs nearly nothing, so a $45 balance gets worked and often resolved.
Card update flows
Most BNPL misses are failed cards. One-tap card update clears the balance and restores autopay.
Regulatory tracking
As the CFPB applies Regulation Z to BNPL and states add rules, the compliance engine updates for you.
Warehouse sync
Every event streams to your data warehouse for risk, product, and finance teams.
Start recovering buy now, pay later 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
Place accounts
Upload a CSV, connect your system, or push buy now, pay later through the API with balances, itemization, and consent data.
- 02
AI runs the right strategy
Collectability scoring sets intensity, the waterfall picks channels, and every contact is checked against the rules that apply to this debt type.
- 03
Resolve and sync
Payments, plans, disputes, and status updates flow back to your system in real time with full audit trails.
The last unmodernized part of BNPL
BNPL providers built frictionless checkout and underwriting, then handed collections to agencies working from monthly files. A customer who signed up in three minutes gets a form letter and a dialer call when they miss a $60 installment. It damages the brand, performs poorly on small balances, and introduces regulatory risk outside the provider's control.
HL Hunt is the collections layer BNPL providers would have built themselves. API-first placement and recall mean outreach starts immediately and stops the moment a customer pays in-app. Messaging is in your voice through text and email with one-tap payment and card update links. Because the marginal cost of AI contact is near zero, every balance is worked, and the economics of sub-$100 collections become positive.
The compliance engine matters especially here. BNPL sits in a moving regulatory landscape, with the CFPB applying Regulation Z protections including dispute and refund rights, and states adding their own rules. HL Hunt maintains those rule sets so your compliance team can focus on the product.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| Buy Now, Pay Later rules | Type-specific laws, itemization, and strategy applied automatically | One generic workflow for every debt |
| 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.
Buy Now, Pay Later 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
Buy Now, Pay Later 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 Buy Now, Pay Later 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 and tone preferences for outreach in your name
- 05Settlement authority and payment plan rules you want the AI to follow
Buy Now, Pay Later FAQ
How fast can we integrate?
Teams using the MCP server with a coding agent typically have placement and webhooks running in sandbox the same day. SDK integration takes a few days.
Can customers still pay in our app?
Yes. Post the payment through the API and the account updates or recalls instantly so outreach stops.
How does Regulation Z apply to BNPL?
The CFPB has interpreted BNPL pay-in-four products as subject to key Reg Z protections including dispute resolution and refund handling. HL Hunt supports those workflows and tracks further rulemaking.
Do you handle very small balances?
Yes. Balances under $50 are worked and often resolved profitably because AI handles volume.
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.