Text-to-Pay in Practice: What One Lender's Test Actually Showed

A shared definition of text-to-pay - reply with a code to pay using a stored payment method, with a no-login fallback page - and how it plugs into real-time payment processing. One lender shares a test-and-control result: strong engagement and slightly better roll rates, but lower liquidation as customers paid only the minimum. The group discusses steering the prompted amount and letting customers switch payment methods. Part 2 of 3 from the Collections Executive Community (CEC) session on July 30, 2026. The CEC is a vendor-free peer forum for senior collections and accounts receivable management executives, hosted by Scott Hamilton of ARM Tech Advisors. https://armtechadvisors.com