Purpose
Third-party APIs provide critical infrastructure services that support account onboarding, communications, payment processing, compliance, and creditor identity verification.
Twilio
Purpose
Provides SMS messaging services and inbound text processing.
Uses
- Consumer SMS notifications
- Campaign SMS delivery
- Reminder notifications
- Negotiation notifications
- Payment notifications
- STOP / START processing
- SMS delivery tracking
Key Functions
- Outbound SMS delivery
- Inbound SMS processing
- Opt-out management
- Delivery status callbacks
SendGrid
Purpose
Provides email delivery and engagement tracking.
Uses
- Consumer email notifications
- Creditor email notifications
- Campaign emails
- CFPB delivery notifications
- Secure EcoLetter notifications
Key Functions
- Email delivery
- Open tracking
- Delivery tracking
- Bounce management
- Event callbacks
Basis Theory
Purpose
Provides PCI-compliant payment vaulting and tokenization.
Uses
- Consumer payment methods
- Bill Pay Wallet
- Payment plan payment methods
- Settlement payment methods
- Creditor membership billing methods
Key Functions
- Payment tokenization
- Secure payment storage
- PCI compliance
- Vault management
Key Rule
The platform stores payment tokens and payment metadata only.
Raw payment credentials are never stored by the platform.
Smarty
Purpose
Provides address validation and address enrichment services.
Uses
- Consumer address validation
- Creditor address validation
- Address auto-population
- Mail delivery optimization
Key Functions
- Address verification
- Address standardization
- Address enrichment
Middesk
Purpose
Provides business identity verification (KYB).
Uses
- Creditor onboarding
- Federal TIN verification
- Business validation
- ECO Address verification
Key Functions
- Business identity verification
- TIN validation
- Business registration verification
Key Rule
Verified creditor identity becomes the permanent ECO Address used throughout the platform.
Merchant Processor Gateways
Supported Gateways
- Stripe
- USAePay
- Authorize.Net
Purpose
Provides ACH and Credit Card payment processing.
Uses
- Settlement payments
- Payment plan payments
- Membership billing
- Platform billing
Key Functions
- ACH processing
- Credit card processing
- Payment authorization
- Payment settlement
Last modified on May 31, 2026
