Resources Case Studies Bayview Solutions LLC
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Reduced chargeback risk and increased card not present payment consent.

    Bayview Solutions LLC is an accounts receivable management company based in St. Petersburg, Florida established in 2008.

    The agency works directly with lenders such as banks, short-term lenders, and others to expedite resolutions on past due accounts.

    Aron Tomko is CEO for Bayview Solutions and started an online mentoring course for those who want to get started in the debt collection industry.

    Robert Thompson is Bayview Solution's Compliance Officer.


    Flow + Payments


    Debt Collection

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    Aron Tomko
    "Best Decision Ever! It allows us to gain real-time signature authorizations from our customers. When we receive a disputed debit/credit payment we now have the signed authorization to prove the payment was authorized by the customer.”

    The Challenge

    Bayview Solutions was looking for a tool that would significantly speed up the signature authorization process when getting payment consent. They also wanted a solution that would help keep them in compliance with all payment regulations while reducing their chargeback risk.

    Prior to moving to PDCflow's Flow Technology, Bayview used a letter of authorization that was sent to the consumer for signature usually through fax, email or snail mail. The consumer had to physically sign the payment agreement and return the signed document to Bayview's office.

    Bayview was looking for a solution that would:

    1. Speed up the signature process.
    1. Keep the business in compliance with the many regulations third party collectors are subject to, such as the EFTA's Regulation E.
    1. Bayview also wanted chargeback protection built into their solution.
    Robert Thompson
    Compliance Officer

    “The best in the business. We needed to mitigate our chargebacks. Signature capture with Flow Technology added another layer of security.”

    The Solution

    Bayview implemented PDCflow's Flow Technology, which gave the agency the ability to obtain a secure signature on any payment (one-time and recurring) from days to minutes while keeping them compliant with Regulation E.  The downloadable audit report (proving identity and consent) reduced their overall chargeback rate.
    Bayview Solutions Case Study, Flow Signature Success Rate

    The Results

    Bayview Solutions has a successful signature request return rate of 74% since implementation of Flow Technology in 2016.

    Bayview allows 5 days for a consumer to authenticate and complete a signature request on a payment, but estimates most are completed within the same day. This has reduced the time from a promised payment to a completed payment from days to hours – sometimes minutes.

    Bayview Solutions has:

    • experienced a successful signature request return rate of 74%.
    • reduced the wait time to process and complete a payment from days to hours (or minutes).
    • witnessed a decrease in the number of reported chargebacks.
    Robert Thompson
    Compliance Officer
    “For enhanced compliance, integrated esignature with Flow is the way to go.”

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