Y CombinatorDEBT COLLECTION
Licensing for debt collection.
Agencies and debt buyers face one of the messier license maps: state regimes, bonds, branch licenses, and in some places city-level licensing on top. Payna tracks all of it as one program.
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The four products, in the order debt collection buys them.
Charter. Get licensed.
Collection agency licenses across the states that require them, including city-level regimes layered on top, with surety bonds and branch licenses handled alongside the main applications.
Maintain. Stay licensed.
Renewal cycles, bond continuations, and state exams, planned backward from every deadline. When a state or city changes its licensing rules, the change comes from Payna, not from a regulator letter.
Roster. License individuals.
Some states license individual collectors as well as agencies. Where they do, Roster manages those individual licenses per person, beside the entity program.
Signal. Build on license data.
Creditors check agency licensure before placing accounts. Give them, and internal compliance teams, a live answer instead of a spreadsheet.
Bring the state footprint.
We will show the full agency license map, including the city regimes, and how Payna keeps it current.
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See how Payna runs licensing.
Tell us a little about the company and we’ll walk through how Payna handles licensing and compliance in every US state.