Dynamic Pay-Term Offer Reassignment
Purpose
Defines how the platform dynamically applies new pay-term offers after an account has already been delivered to a consumer.
This workflow allows creditors to create new Individual Offers or Group Term Offers that may replace previously delivered offers when the account remains eligible for offer refresh.
Overview
When an account is initially delivered, the platform assigns offers using the standard offer hierarchy.
After delivery, creditors may create:
- Individual Offers
- Group Term Offers
The platform may dynamically re-evaluate and replace previously delivered offers if the account has not entered an active negotiation lifecycle.
Initial Offer Assignment Hierarchy
The platform always assigns offers using the following priority order:
- Individual Offer
- Group Term Offer
- Sub-Account Pay Term Offer
- Master Pay Term Offer
Initial Delivery
When a new account is imported:
If an Individual Offer exists on the imported account:
→ Deliver Individual Offer
If no Individual Offer exists:
→ Check for eligible Group Term Offer
If none exists:
→ Check for Sub-Account Pay Term Offer
If none exists:
→ Apply Master Pay Term Offer
Dynamic Re-Evaluation Trigger
Offer reassignment may occur when:
- A new Individual Offer is created
- A new Group Term Offer is created
- A consumer restarts negotiations after a closed dispute
- A consumer restarts negotiations after a no-pay response
- A consumer re-engages after a previously closed negotiation
Eligibility Rules
The platform may replace an existing delivered offer only when the account is:
Delivered
Viewed
And:
- No active negotiation exists
- No accepted offer exists
- No payment activity exists
- No dispute activity exists
- No active no-pay response exists
Re-Evaluation Logic
When an eligible account is evaluated, the platform reassesses the hierarchy:
The highest eligible offer becomes the new active offer.
Example
Original Delivery
Account uploaded.
No Individual Offer exists.
No Group Offer exists.
Account contains Sub-Account ID.
Result:
Sub-Account Pay Term Offer Delivered
Later
Creditor creates a Group Term Offer for accounts placed between:
01/01/2026 - 03/31/2026
The account qualifies.
No negotiations exist.
Result:
Group Term Offer replaces Sub-Account Offer
Negotiation Protection Rule
Once a consumer begins negotiation activity, the delivered offer becomes locked.
Negotiation activity includes:
- Offer acceptance
- Counteroffer
- Dispute
- No-Pay Response
- Payment activity
- Active negotiation thread
Key Rule
Active negotiations must never be modified by dynamic offer reassignment.
Offer Snapshot Rule
When negotiation activity begins:
- The delivered offer is snapshotted
- Validation uses the offer snapshot
- Later pay-term changes do not affect the negotiation
The negotiation always references the offer that was delivered when the negotiation began.
Result
Dynamic Pay-Term Offer Reassignment ensures:
- New Individual Offers can override existing offers
- New Group Offers can override Sub-Account and Master offers
- Consumers always receive the highest eligible offer
- Active negotiations remain protected
- Offer history remains auditable
- Negotiation validation remains consistent
- 4.2 Offer & Notification Delivery
- 4.3 Negotiations
- Individual Offers
- Group Term Offers
- Consumer Profiles
- Open Negotiations
- Notice Responses
Last modified on June 1, 2026
