Debt-collection agencies take payments in unusual ways. A consumer may pay in full, accept a settlement offer, agree to an instalment plan, or promise to pay on a date, by card or bank debit, over the phone or through a portal. Every cent must trace back to a specific debt account. We designed a multi-tenant platform that sits between agencies and payment processors: it accepts card and ACH payments, schedules plans, handles returns and disputes, and reconciles everything against processor repor...