Debt collection agencies and bailiff services manage some of the most sensitive transactions — handling unpaid balances, repayment arrangements, and recurring instalments. These interactions demand both sensitivity and security. When outdated payment methods slow things down or leave you exposed, recovery rates, compliance, and reputation all take a hit.

SOTpay offers a modern, secure, multichannel way to collect repayments — keeping you fully PCI DSS compliant, lowering costs, and making it easier for debtors to settle what they owe.

Why Debt Agencies & Bailiffs Choose SOTpay

·         PCI DSS Compliance Without Compromise
 Payment details never pass through your internal systems. SOTpay’s hosted, vendor-neutral platform shields your agency from data breaches, fines, and regulatory scrutiny.

·         Multiple Channels, Greater Reach
 Debtors can repay via phone, SMS, email, live chat, WhatsApp, or online. Giving people options improves the chance of securing repayment in full or on schedule.

·         Collect Payments in the Field
 Bailiffs and enforcement agents can send secure payment links instantly while on-site with a debtor. Repayments are made on the debtor’s own device — no chip-and-pin hardware required, and always PCI DSS compliant.

·         Automated Repayment Schedules
 Set up recurring instalments or scheduled repayments to help debtors keep to their agreements. Less manual chasing, fewer missed deadlines.

·         Eliminate Costly DTMF & Hardware Dependency
 Legacy systems that rely on DTMF masking or IVR setups are expensive and clumsy. SOTpay replaces them with secure link payments that cost less and perform better.

·         Real-Time Reporting & Insight
 Track repayments as they happen. Dashboards highlight completions, failures, and patterns across channels, giving you data to refine your strategy.

·         Debtor Privacy & Trust
 Debt is a sensitive subject. Secure links, encryption, and PCI DSS compliance give debtors confidence to complete payments without feeling exposed.

·         24/7 Access & Self-Serve Convenience
 Debtors can settle balances at any time of day through SMS, email, or online portals, reducing friction and increasing recovery.

Business Impact

·         Higher recovery rates: More channels = more chances to collect.

·         Lower operating costs: No DTMF hardware, reduced compliance burden.

·         Fewer abandoned calls: Secure links mean no transfers or clunky IVR menus.

·         Better cash flow: Recurring schedules and automated reminders keep repayments on track.

How It Works

1.      An agent or bailiff triggers a secure repayment request.

2.      The debtor receives a SOTpay link via their chosen channel (SMS, email, WhatsApp, live chat, etc.).

3.      The debtor completes the payment securely — their card details never touch your systems.

4.      Transactions are authorised in real time and visible in your dashboard; reconciliation can feed directly into accounting or case management systems.

FAQs

Is SOTpay safer than taking card details over the phone?
 Yes. Debtors enter details themselves through secure links, removing agent and system exposure to sensitive data.

How do automated repayment schedules work?
 You set instalment dates; SOTpay sends reminders and processes payments securely, reducing missed deadlines.

Can enforcement agents take payments on-site?
 Yes. Bailiffs can send debtors a secure link during visits, allowing them to repay instantly without chip-and-pin hardware.

Does SOTpay integrate with existing systems?
 Yes. It connects with accounting platforms like Xero and QuickBooks, and can link with debt management systems to streamline reporting.

What about fraud and chargebacks?
 3-D Secure authentication shifts liability for fraudulent transactions to the acquiring bank, protecting your agency’s finances.

Take Control of Your Debt Recovery

SOTpay gives debt collection agencies and bailiffs the tools to collect securely, compliantly, and efficiently. Lower costs, increase repayment rates, and protect both your debtors’ data and your own business.