Payments & Autopay
Make paying the easiest part of the conversation.
Debtors pay by card or bank account from a text link, on a voice call, or in the portal. Plans run on autopay with reminders and smart retries. Receipts, settlement letters, and posting back to your system all happen automatically.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- 2 taps
- From text link to completed payment
- Card + ACH
- Accepted on every channel
- Real time
- Posting to your ledger and system of record
- PCI DSS
- Level 1 payment handling
What Payments & Autopay gives you
Pay from anywhere
Secure links in texts and emails, PCI-compliant capture on voice calls, and a branded portal that works on any phone. No login required to pay.
Card and ACH
Debit, credit, and bank account payments with the convenience-fee and surcharge handling your state and card network rules allow.
Autopay with smart retries
Plan installments draft automatically with pre-draft reminders. Failed drafts retry on a compliant schedule with a one-tap reschedule for the debtor.
Receipts and letters
Payment receipts, plan confirmations, paid-in-full and settled-in-full letters generate with the required language and deliver on the debtor's preferred channel.
Posting and reconciliation
Payments post to the account instantly, flow to your system of record by API or file, and reconcile against deposits with trust-account support for agencies.
Refunds and disputes
Handle refunds, chargebacks, and ACH returns from the same screen, with the account history to respond and the status changes applied automatically.
Start using Payments & Autopay 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
Debtor chooses to pay
From any outreach channel or by visiting the portal. Identity is verified with the last four of the account or a one-time code.
- 02
Payment is captured securely
Card or bank details are tokenized at capture. For plans, autopay is enrolled with clear authorization language and a confirmation.
- 03
Everything updates
Balance, status, credit reporting (if enabled), your system of record, and the debtor's receipt all update within seconds.
Friction at the payment step is lost recovery
The last mile of collections is often the weakest. A debtor is finally ready to pay and is told to call an 800 number during business hours, mail a check, or log in to a portal that requires an account number they do not have. A meaningful share of ready-to-pay debtors never complete, and every one of them is recovery that was already won and then lost.
HL Hunt removes that friction. Payment links are embedded in texts and emails and open directly to a pre-filled, mobile-first checkout. Voice calls capture payment securely without reading card numbers aloud to an agent. The portal needs no password, just a simple verification. Plans go on autopay at acceptance, which is the single biggest driver of plan completion, and reminders before each draft reduce failed payments and complaints.
Behind the scenes, payments post instantly to the account and flow to your loan system, billing platform, or agency software. Receipts and settlement letters are generated with the required disclosures and stored on the record. For agencies, trust accounting and client remittance reporting are built in. The result is less manual work, cleaner books, and more of the money that was promised actually arriving.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| Payments & Autopay | Included on every plan, from Free to Enterprise | Add-on module, third-party vendor, or not available |
| 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.
Payments & Autopay 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
Payments & Autopay 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 Payments & Autopay 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
Payments & Autopay FAQ
Can I charge convenience fees?
Convenience fees and surcharges are heavily regulated and vary by state and card network. HL Hunt supports them where permitted and disclosed, and the compliance engine blocks them where they are not allowed.
How are payments deposited?
Payments settle to your designated operating or trust account on a daily schedule. Agencies can configure separate trust handling and client remittance reports.
What happens if an ACH payment is returned?
The platform reverses the posting, updates the account status, notifies the debtor, and offers a reschedule. Return reasons are stored for reporting and compliance.
Is HL Hunt PCI compliant?
Payment data is handled under PCI DSS Level 1 controls. Card and bank data is tokenized at capture and never stored on your systems or visible to agents.
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.