THE HEALPAY BLOG
Why Debt Collection Payments Should Feel Like eCommerce
For years, the debt collection industry has focused on process: compliance, documentation, workflows, and policies. All essential—but often at the expense of one critical factor: the consumer experience. Today’s consumers are conditioned by Amazon, Apple Pay, and...
Why Debt Collection Payments Should Feel Like eCommerce
For years, the debt collection industry has focused on process: compliance, documentation,...
The Collection Agency’s Dilemma: Implementing AI Without Creating Legal Exposure
How Recent FDCPA Cases Reveal the Compliance Risks of Uncontrolled AI Systems—And Why...
How to Send Compliant SMS Messages in Debt Collection: A Modern Guide for 2026
Text messaging has become one of the most effective ways to reach consumers—but for debt...
Discover the Latest In…
Collections
The Evolution of Consumer Behavior in Debt Recovery: Why Law Firms Must Adapt
Consumer expectations around debt resolution have shifted dramatically—and law firms that don’t...
4 Ways Electronic Signatures Improve Debt Collection Efficiency
E-signatures can speed up payment agreements, reduce paperwork, and enhance compliance.
Using Payment Automation to Scale Your Collections Practice
Payment automation can transform small collection firms by enabling them to scale operations, reduce costs, and compete with large firms.
Compliance
ACH Return Codes Explained: The Complete Guide for Payment Recovery Teams
ACH payments continue to be one of the most efficient, cost-effective, and widely used payment...
Is It Legal to Use AI in Debt Collection? What You Need to Know
Last week during the ACA International Convention, the HealPay Team became familiar with the...
A Strategic Approach to Consent and Communication Preferences
Both consent and preference are two important factors to build into your consumer communication strategy.
ACH Payments
ACH Return Codes Explained: The Complete Guide for Payment Recovery Teams
ACH payments continue to be one of the most efficient, cost-effective, and widely used payment...
Understanding NACHA’s Recent Updates to ACH Return Codes
NACHA’s recent updates to return codes R06 and R17 allows bank to better address fraudulent ACH transactions.
ACH vs. Debit Cards: Key Differences and Benefits
Understand the benefits and challenges of ACH payments and debit card payments.
Latest Product Updates
New in Hub: Two-Way Messaging
Consumers can now reply to messages from merchants, enabling seamless two-way communication between Portal and Hub.
New in Hub: Send Documents to Portal Users
HealPay’s Hub now offers a powerful feature for document management: the ability to attach documents directly to Ticket replies.
Electronic Document Sending With HealPay Dispute and Hardship Forms
Consumers can send important documents directly through a HealPay Portal to provide supporting evidence for a dispute or hardship claim.