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Compliant Payment Processing for Collections and Debt Buyers!

Base offers a multitude of payment processing solutions for collections agencies, designed with your business’s payment needs in mind. We understand the regulations and limitations agencies deal with. Base has crafted our offerings to ease those burdens and keep you processing at competitive rates.

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Skip the middleman and go direct to processor

Multiple Bank Relationships

Leverage one or more of our direct banking relationships to ensure continuity in your processing. We work with many US banks who have a desire to support merchants in the high-risk space. Feel confident you’re in good hands when processing credit card, debit card, and ACH payments to include Visa, MasterCard, Discover, AMEX, HSA, and Flex card payments!

Access to Debit Card & ACH Processing

Enjoy the convenience of accepting both credit and debit cards and ACH payments with one direct relationship. Skip the hassle of using separate gateway/platforms for the different payment channels. Allow Base consolidate your payments.

PCI Level 1 Compliant

Base is a full PCI Level 1 processing platform, which you’ll leverage when you partner with us. We utilize tokenization at a transactional level to ensure cardholder data is protected, as well as a secured vault to encrypt and store your consumer payment information for future and recurring use. Let Base reduce your PCI Scope!

No Set-Up Fees of Long-Term Contracts

With Base, our payment solutions come free of setup fees and long-term contracts. We are a true partner in your business needs and aim to be a long-term, value add payment processing partner!

Value Add Benefits

Integrations

We work with all software databases to offer integrated payment processing to create efficiencies for your processing, reduce manual intervention, increase security, and reduce call times. These integrations allow you to keep operating your business while processing payments with Base. We support all payment options available for a collections agency!

Customer Support

We’re here to help you, every step of the way. Whether you have a quick question, or need a full explanation, we prioritize you and your success. We have dedicated phone and email support with real people answering in real-time.

Dramatically reduce payment processing costs with our No-Cost-to-Biller™ solution

Our No-Cost-to-Biller™ solution is an integrated model of processing which allows collection agencies to process credit cards, debit cards, HSA/Flex cards and ACH transactions for FREE. To ensure compliance, this solution was developed in collaboration with FDCPA experts and industry leaders in compliance.

Benefits of our No-Cost-to-Biller™ solution include:

Save money on fees

Pass the processing fees onto consenting consumers and save yourself 70-80% on processing costs.

FDCPA compliant

Our No-Cost-to-Biller™ fee model was built to conform with the FDCPA, specifically 1692f1. With Base’s fee model, you can feel confident your agency is saving money while avoiding FDCPA violations.

Hybrid model

We work based on your client’s needs and can programmatically determine when to access fees, run standard processing, or allow your agency to waive the fee if required. This way, your agency has a compliant, consumer friendly model that is flexible to meet all consumer and client needs!

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VISA Global Registry of Service Providers
PCI DSS Compliant
BBB A+

  • Base Commerce, LLC is a registered ISO/MSP of Commercial Bank of California, Irvine, California; Fresno First Bank, Fresno, California; Esquire Bank, Jericho, New York.

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