ACH or eCheck
US bank-account payment is supported.
Applies to Payments · Boolean
Controlled vocabulary
101 feature definitions
By Kai Greenspan, Founding Editor
DebtTechIndex describes what a product does using 101 controlled terms in 12 groups, so two vendors' pages can be compared on the same words. These are definitions, not claims: a product is tagged with a feature only where the vendor's own page states it, and no product carries a feature tag on this site until that evidence has been captured with its URL and date.
Payments
Cash network
Consumers can pay with cash through retail or agent locations.
Applies to Payments · Boolean
Credit and debit cards
Card payment acceptance is supported.
Applies to Payments · Boolean
Digital wallets
One or more digital wallets are supported.
Applies to Payments · Boolean
Guest payment
Payment can be made without a full account login.
Applies to Payments · Boolean
Multilingual portal
Self-service portal supports more than one language.
Applies to Payments · Boolean
Payment auto-posting
Transactions post automatically to a connected system of record.
Applies to Payments · Boolean
Recurring payments
Scheduled recurring payment processing is supported.
Applies to Payments · Boolean
Documents
Approval workflow
Content requires or supports review and approval.
Applies to Communications · Boolean
Jurisdictional disclosures
Rules apply required disclosures by state, region or communication type.
Applies to Communications · Boolean
Online archive
Delivered or generated documents remain searchable online.
Applies to Communications · Boolean
Template library
Reusable letter, notice, email or message templates are supported.
Applies to Communications · Boolean
Version history
Changes to communication content are recorded.
Applies to Communications · Boolean
Data
Asset data
Property, vehicle, business or other asset indicators are available.
Applies to Data · Boolean
Bankruptcy data
Bankruptcy records or monitoring are supported.
Applies to Data · Boolean
Batch skip tracing
Large files can be enriched or screened.
Applies to Data · Boolean
Deceased data
Deceased search or monitoring is supported.
Applies to Data · Boolean
Employment data
Employment or employer information is available under permitted use.
Applies to Data · Boolean
Individual search
Users can research one person or account at a time.
Applies to Data · Boolean
Military status
Military-status research or screening is supported.
Applies to Data · Boolean
Phone confidence
Data includes a confidence, ownership or reachability signal for phone numbers.
Applies to Data · Boolean
Compliance
Audit trail
Records user, rule, communication or document actions for review.
Applies to All · Boolean
Call curfews
Applies time-of-day or jurisdiction-based contact restrictions.
Applies to Contact center · Boolean
Consent management
Captures, stores or applies channel consent and preferences.
Applies to Communications · Boolean
DNC screening
Do-not-call suppression or screening is supported.
Applies to Communications · Boolean
FCRA-regulated service
Service is offered under FCRA permissible-purpose requirements.
Applies to Data · Boolean
FDCPA support
Vendor publicly states FDCPA-related features or controls.
Applies to Collections · Boolean
HIPAA stated
Vendor publicly states HIPAA support or compliance.
Applies to Healthcare · Boolean
ISO 27001 stated
Vendor publicly states ISO 27001 certification.
Applies to All · Boolean
Non-FCRA service
Vendor states the product is not a consumer-reporting agency service.
Applies to Data · Boolean
PCI DSS stated
Vendor publicly states PCI DSS status or payment security scope.
Applies to Payments · Boolean
Reg F contact controls
Vendor publicly states controls related to Regulation F contact frequency or timing.
Applies to Collections · Boolean
SOC 2 stated
Vendor publicly states a SOC 2 report or certification status.
Applies to All · Boolean
TCPA support
Vendor publicly states TCPA-related features or controls.
Applies to Communications · Boolean
AI
Automated call summary
AI produces interaction summaries or account notes.
Applies to AI; QA · Boolean
Automated QA
System scores or evaluates interactions at scale.
Applies to AI; QA · Boolean
Conversational text AI
AI conducts two-way messaging or chat conversations.
Applies to AI · Boolean
Conversational voice AI
AI conducts two-way spoken conversations.
Applies to AI · Boolean
Explainability stated
Vendor publicly describes explainable or auditable AI controls.
Applies to AI · Boolean
Human handoff
Automated interactions can transfer to a person with context.
Applies to AI · Boolean
Next-best action
System recommends a treatment or task from account context.
Applies to AI; Decisioning · Boolean
Predictive scoring
Models estimate payment, contact, risk or recovery likelihood.
Applies to AI; Decisioning · Boolean
Real-time agent assist
AI surfaces prompts or compliance guidance during a live conversation.
Applies to AI; QA · Boolean
Sentiment or vulnerability detection
System identifies sentiment, distress or vulnerability indicators.
Applies to AI; QA · Boolean
Platform
Batch file exchange
SFTP, file import/export or batch data exchange.
Applies to All · Boolean
Multi-entity
Supports multiple legal entities, brands, clients or business units.
Applies to Software · Boolean
No-code configuration
Business users can configure rules or workflows without code.
Applies to Software · Boolean
Open API
Publicly stated API for integration.
Applies to Software · Boolean
Sandbox or test environment
Separate non-production environment is publicly stated.
Applies to Software · Boolean
Webhooks
Event-driven outbound integration is publicly stated.
Applies to Software · Boolean
Analytics
CEI tracking
Collection Effectiveness Index is measured.
Applies to AR · Boolean
Custom reporting
Users can create or configure reports.
Applies to All · Boolean
DSO tracking
Days Sales Outstanding is measured.
Applies to AR · Boolean
Real-time dashboard
Operational metrics update without a traditional delayed report cycle.
Applies to All · Boolean
Strategy simulation
Users can test or model strategy changes before deployment.
Applies to Decisioning · Boolean
Channels
Certified mail
Certified-mail creation and evidence handling are supported.
Applies to Communications · Boolean
Email sending or conversation workflows are supported.
Applies to Digital engagement · Boolean
Inbound voice
Accepts and routes inbound calls.
Applies to Contact center · Boolean
IVR
Interactive voice response for routing, verification or self-service.
Applies to Contact center; Payments · Boolean
Manual dialer
Supports agent-initiated dialing within the platform.
Applies to Contact center · Boolean
MMS
Multimedia messaging is supported.
Applies to Digital engagement · Boolean
Outbound voice
Supports outbound voice campaigns or calls.
Applies to Contact center · Boolean
Power dialer
Dials sequentially at a user-controlled rate.
Applies to Contact center · Boolean
Predictive dialer
Dials using pacing algorithms based on agent availability and history.
Applies to Contact center · Boolean
Preview dialer
Shows account context before the agent starts the call.
Applies to Contact center · Boolean
Print mail
Physical print and mail production is supported.
Applies to Communications · Boolean
RCS
Rich Communication Services messaging is supported.
Applies to Digital engagement · Boolean
Ringless voicemail
Direct-to-voicemail delivery is supported, subject to legal review.
Applies to Contact center · Boolean
SMS
Text-message sending is supported.
Applies to Digital engagement · Boolean
Two-way SMS
Consumers can reply and continue a managed conversation.
Applies to Digital engagement · Boolean
Web chat
Browser-based chat is supported.
Applies to Digital engagement · Boolean
WhatsApp messaging is supported.
Applies to Digital engagement · Boolean
Account operations
Client portal
Gives creditor clients placement and performance access.
Applies to Agency systems · Boolean
Collector work queues
Prioritized or assigned worklists for agents.
Applies to Collection systems · Boolean
Complaint management
Captures, escalates and reports consumer complaints.
Applies to Collections · Boolean
Consumer portal
Gives consumers account, document and resolution self-service.
Applies to Collections; Payments · Boolean
Dispute management
Records, routes and resolves account or invoice disputes.
Applies to All · Boolean
Payment plans
Creates and administers installment arrangements.
Applies to Collections; Payments · Boolean
Placement management
Imports, validates and manages client or creditor account placements.
Applies to Collection systems · Boolean
Promise to pay
Records and manages a consumer promise or commitment date.
Applies to Collections · Boolean
Segmentation
Groups accounts by balance, behavior, risk, client, stage or other attributes.
Applies to All · Boolean
Settlement offers
Presents or manages discounted settlement offers.
Applies to Collections; Payments · Boolean
Trust accounting
Supports legal trust or client-fund accounting requirements.
Applies to Legal systems · Boolean
Workflow automation
Rules or triggers automate account actions and tasks.
Applies to All · Boolean
Deployment
Cloud SaaS
Vendor-hosted multi-tenant or SaaS delivery.
Applies to Software · Boolean
Hybrid
Product supports a mix of customer-hosted and vendor-hosted components.
Applies to Software · Boolean
On-premises
Customer-controlled local deployment is publicly supported.
Applies to Software · Boolean
Private cloud
Dedicated hosted environment.
Applies to Software · Boolean
Organization fit
Collection law firms
Includes workflows or support specific to legal collection practices.
Applies to All · Boolean
Debt buyers
Supports owned-portfolio recovery and debt-buyer operations.
Applies to All · Boolean
Enterprise fit
Vendor states or product design indicates high-volume or multinational suitability.
Applies to All · Boolean
First-party creditors
Designed or explicitly supported for original creditors and servicers.
Applies to All · Boolean
Government and public sector
Supports public-sector income management or government receivables.
Applies to All · Boolean
Healthcare RCM
Supports patient financial engagement, HIPAA-sensitive workflows or healthcare revenue cycle.
Applies to All · Boolean
SMB fit
Vendor states or product design indicates suitability for small organizations.
Applies to All · Boolean
Third-party agencies
Designed or explicitly supported for collection agencies.
Applies to All · Boolean
Commercial
Demo available
Vendor offers a sales demonstration.
Applies to All · Boolean
Free trial
Vendor publicly offers a trial.
Applies to All · Boolean
Implementation services
Vendor provides implementation or onboarding services.
Applies to All · Boolean
Public pricing
Current pricing is published by the vendor.
Applies to All · Boolean
Training available
Product training is publicly stated.
Applies to All · Boolean