Cover image for Convenience Fees Benchmark report with image of person looking at a laptop and holding a credit card [Image by creator insideARM from ]

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Consumer convenience comes at a cost to business in the form of credit/debit processing fees assessed by card issuers: anywhere between 2.3 and 3.5 percent per transaction.

Collection agencies have a high-risk relationship with these fees, and consumer payments in general. All collection agencies must offer a no-cost means for consumers to submit payment, and most opt to offer the choice of mailing a paper check. If an agency wants to accept credit or debit payments -- putting aside Reg E issues -- it has a decision to make:


1) Absorb the fee assessed by the card issuer as a cost of doing business? Or,


2) Pass processing fees along to the consumer in the form of a "convenience fee"?

To see how industry respondants answered this question, download our Industry Benchmark.


This  Tool gathers together industry intelligence along with policies and procedures from insideARM members across a variety of debt industry verticals.

These documents can be useful in: 

  • testing your current policy/procedure against others in the industry
  • testing your own business practices
  • exposing gaps in your current process
  • understanding how others are tackling this issue
  • developing your own policy/procedure from scratch.

This information is culled from Compliance Professional Forum members. It is not legal advice, and is not intended to be legal advice.