PDCflow was established in 2003 in Ogden, Utah to fill the need of electronic payments for the ARM system DAKCS Software. Upon creation, the purpose and mission of PDCflow (branded at that time as PDC4U) was to carry the PCI compliance burden for our partner, DAKCS, and process payments electronically.

As technology matured and people’s preferences and habits toward paying bills changed, our team saw the gaps in our clients’ daily processes. Our focus went beyond creating a secure payment environment to include improving the experience for both the consumers who want to pay their debts and businesses in the accounts receivable industry that collect those debts.

We asked ourselves:

• How could we make the process of getting signed consent for payments easier and more efficient while fulfilling the needed regulations of the AR industry?

• How could we save AR businesses and our software partners the time and expense of payment compliance while making it a smooth and easy process for consumers?

• How could we include multiple business transactions into one workflow?

• How could we begin moving beyond payments to also include document transfers, electronic signatures and document or photo uploads?

Our product roadmap focused on creating a better experience for businesses collecting payments and for their consumers – while keeping all payment data secure. Our software evolved from simply processing an electronic payment to delivering payment information securely, chaining together other business processes into a fast, seamless experience for both parties – the business and their consumers.