Debt Relief and Credit Repair Payments for Earned Fees

Peer Pay can provide approved firms with customer-initiated settlement for fees already earned under applicable law.

Restricted categories require prior written approval from Peer. Production access is subject to merchant, product, and jurisdiction review.

Processor access does not change when a fee is lawful

Debt settlement and credit repair are restricted by many mainstream platforms, while specialist accounts may apply reserves and category pricing.

Peer Pay changes the settlement rail, not the billing rules. It may be used only for bona fide fees that the firm is legally permitted to collect at that time.

What changes with Peer Pay

Peer Pay is checkout software, not a payment processor or merchant account. The client starts a payment from a supported app, a cryptographic proof verifies the transfer, and USDC settles to a self-custodial wallet controlled by the firm. Peer does not hold the merchant's funds, so this flow has no processor balance, rolling reserve, or payout schedule.

That different settlement path does not change the underlying sale. The merchant still owns product eligibility, licensing, customer checks, fulfillment, refunds, taxes, disclosures, and every rule that applies in the places it serves.

How the payment works

Create the order. Use a hosted payment link, ecommerce integration, embedded checkout, or Scan to Pay at the counter.
The client chooses a supported app. They review the recipient and amount, then approve the payment on their own device.
Wait for proof. Peer verifies the transfer before the order is marked paid. A screenshot is not payment confirmation.
Reconcile settlement. USDC reaches the wallet controlled by the firm, and the dashboard keeps the payment tied to the order.

When the fit is strongest

You want a second payment rail that does not create a processor-held balance.
Your customers already use supported payment apps and can approve each purchase themselves.
You can receive USDC in a self-custodial wallet and reconcile it into your own operations.
Your billing system can prove the service milestone that made each fee collectible.

Before you launch

Peer Pay does not accelerate when a fee is earned or replace any dedicated client-account requirement.
Keep CROA, Telemarketing Sales Rule, state licensing, disclosure, and recordkeeping controls intact.
Debt settlement and credit repair are restricted categories and require prior written approval from Peer.

FAQ

Does Peer Pay change when our firm can collect a fee?

No. It changes the payment and settlement path only. The firm may collect a fee only when applicable law and its client agreement permit it.

Does Peer Pay replace a required dedicated client account?

No. Any independent or dedicated-account requirement remains in force.