Credit Business Services, Inc + PDCflow

Collect payments through secure email and text with Flow Technology.

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KEY FEATURES

Flow Technology for Revenue Cycle Management

Reduce risk and PCI compliance scope

Send your payment portal right to your consumers' fingertips so they can enter their own payment information. Representatives never see or hear sensitive payment data.

Deliver a better consumer experience

End payment friction for consumers. Establish right-party contact through dual-factor authentication, eliminating the need for usernames and passwords. Send consumers a secure link through email or text that includes their billing statement and a payment portal. Consumers review and submit payment when it is convenient for them.

Save time and lower costs

Cut mailing costs and save time. Send billing statements with a payment portal to consumers through HIPAA compliant Flows. Reduce customer service calls to confirm payment completion. Consumers can opt to send themselves receipts.

Keep representatives in control

Close more accounts. First contact may be the only contact. Send Flow requests and capture payments while on the phone with consumers. Customer service agents can go over billing line items, answer questions, and reduce disputes.

Meet regulations

Opt-out options are available for consumers for both email and text. Dual authentication verifies identity and meets HIPAA requirements.

Manage account set up

Set up customized email messaging. Set flexible expiration dates. Give your consumers hours, days or weeks to complete the payment workflows.

Accept secure credit card payments

Accept secure ACH payments

Allow consumers to enter their own payment data

Retrieve a documented audit trail

Use email and SMS compliantly

Send billing statements through email and SMS

WHAT IS FLOW TECHNOLOGY

A secure request engine

Send documents

Send payment requests

Capture legally binding signatures

Request photo uploads

Each outbound request is called a Flow. Mix and match any of the above actions into one Flow and send to your customers via email/SMS or through your company's web chat or chatbot system.

97%

Review & Accept

97%

Email Deliverability Rate

99%

SMS Deliverability Rate

76%

Email Open Rate

54%

Email Click-Through Rate

64%

Completed Payments Through Flow

Our patented Flow Technology gets results

Send documents for esignature and payment portals in one seamless workflow.

Settlement letters.
Payment schedule authorizations.
Billing statements for consumer validation.

Consumers review documents, sign, and enter their own payment data in just a few clicks.

How Flow Technology works

Agents never see, hear or touch consumer credit card or bank account information. Consumers enter their own private financial data, building trust with your business.

Verify identity and consent for all payments with a documented audit trail. Set up and lock down workflows to meet your specific business and compliance needs.