BNPL & fintech
Collections that feel like the rest of your product.
You built a frictionless financial product. Your collections should not feel like a 1990s agency. HL Hunt gives BNPL, EWA, neobank, and embedded lenders API-first, brand-safe recovery that resolves small balances at scale without burning customers or regulators.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- API
- First. Place and sync in real time
- -68%
- Cost per resolved account vs. agency
- 2 taps
- From text to payment in your brand
- 0
- Compliance violations
Why bnpl & fintech teams choose HL Hunt
Real-time placement and recall
Place accounts the second they cross your threshold and recall them instantly when a customer pays in-app. No batch lag, no double contact.
Brand-safe experience
White-label messaging, your tone guide, and a branded payment portal. Customers never feel handed off to a stranger.
Small balance economics
AI works every account regardless of size. Resolution of sub-$100 balances becomes profitable.
Regulatory readiness
As the CFPB brings BNPL under Regulation Z and state laws evolve, the compliance engine updates for you.
Customer retention signals
Resolved customers can be flagged for reactivation; chronic non-payers inform your underwriting models.
Warehouse-native data
Every event syncs to your data warehouse for risk, finance, and product teams.
Ready to run bnpl & fintech collections on HL Hunt?
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
Integrate the API
Your coding agent can do it in one prompt via MCP, or your team can use the typed SDKs. Sandbox mirrors production.
- 02
Place on threshold
Accounts flow in automatically at your chosen delinquency point with consent and contact data.
- 03
Resolve and sync
AI outreach, plans, and payments run. Events stream back to your systems and warehouse.
The last unmodernized part of fintech
Fintech lenders have reinvented origination, underwriting, servicing, and payments. Collections, for most, is still an agency relationship with a monthly file and a PDF report. The mismatch shows: a customer who onboarded in three minutes with a beautiful app gets a form letter and a dialer call when they miss a $60 installment. It damages the brand, performs poorly, and introduces regulatory risk the lender does not control.
HL Hunt is the collections layer fintechs would have built themselves. It is API-first: accounts are placed and recalled in real time, every event streams back, and the integration is an afternoon with the MCP server. It is brand-safe: outreach is in your voice, the portal is yours, and the experience matches the rest of the product. And it is economical at the balance sizes fintech produces, because AI contact costs almost nothing and resolves most accounts without a human.
The compliance engine matters especially here. BNPL and EWA sit in a moving regulatory landscape, with the CFPB applying Regulation Z protections and states adding rules. HL Hunt maintains the rule sets so your compliance team can focus on your product rather than tracking 50 states of collection law.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| BNPL & Fintech fit | Configured for your laws, systems, debtors, and tone | Generic agency or software that does not know your product |
| 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.
BNPL & Fintech 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
BNPL & Fintech 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 BNPL & Fintech 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
BNPL & Fintech 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. Manual integration with the SDKs 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 the moment they pay.
Is outreach white-labeled?
Yes. Sender names, tone, templates, and the payment portal carry your brand, with the disclosures the law requires.
Do you handle very small balances?
Yes. Because AI handles volume, accounts under $50 are worked and often resolved profitably.
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.