Accelerate Receivables. Empower Customers. Drive Daily Recovery.

In today’s financial landscape, organizations face increasing pressure to optimize cash flow, reduce delinquencies, and recover revenue from hard-to-reach customer segments—all while maintaining positive customer relationships. SpenDebt is built to solve that challenge.

SpenDebt is an enterprise-grade SaaS micropayment solution that helps accounts receivable teams recover payments through automated, daily transactions tied to customers’ everyday spending behavior. This modern approach enables businesses to reduce charge-offs, improve recovery performance, and offer a flexible payment experience aligned with customers’ financial realities.

Why It Matters

Economic uncertainty, payment fatigue, and rising consumer debt continue to impact customer repayment behavior. Traditional payment methods—such as monthly statements or collection calls—often miss the mark with customers who are willing but unable to make large, lump-sum payments. These missed opportunities translate into revenue leakage and increased operational burden on AR teams.

Micropayments create a bridge between what your customers can afford and what your business needs. Whether they are financially constrained, managing inconsistent income, or navigating everyday expenses, SpenDebt gives your customers the flexibility to meet their obligations in smaller, manageable amounts.

How It Works

SpenDebt integrates seamlessly into your payment ecosystem to enable customers to enroll in automated micropayments. Once active, customers make small micropayments toward their outstanding balances each time they make a debit card purchase or have a banking transaction. These payments are predictable, low-friction, and align with their spending behavior—ensuring consistent, recurring payment recovery without disruption.

SpenDebt complements your existing payment offerings, enhancing customer choice and improving the effectiveness of your accounts receivable operations. Our solution works in the background—no need for new hardware, complicated integrations, or manual oversight.

What You Gain

Improved Cash Flow: Recover funds daily, not monthly—creating more consistent revenue streams.
Reduced Delinquencies: Address late or missed payments by meeting customers where they are.
Lower Charge-Offs: Increase the likelihood of repayment through incremental, automated recovery.
Customer Retention: Empower your customers with a payment option that reduces stress and builds trust.
Operational Efficiency: Reduce the burden on AR teams with a hands-off, scalable recovery mechanism.
Social Impact: Support financial inclusion and resilience by offering technology that helps underserved customers succeed.

SpenDebt helps you do more than recover payments—it helps you build sustainable financial relationships that improve customer outcomes and drive long-term business growth.

https://www.wetransact.io/

SpenDebt Micropayment SolutionSpendebt, Inc

SpenDebt Micropayment Solution

Spendebt, Inc

SpenDebt Micropayment Solution

Spendebt, Inc

SpenDebt Micropayment Solution
Spendebt, Inc