USE CASE

Partial Payments

The Challenge

Why Rigid Payment Systems Stall Revenue and Customer Trust

When a customer can’t pay in full, the payment often gets delayed, or lost entirely. Traditional systems lack the agility to offer real-time payment flexibility, leading to stalled revenue, increased bad debt, and poor customer experience.

When Big Bills Lead to No Payments

Payment abandonment due to large balances

Why Real-Time Negotiation Matters in Payments

Lack of tools to negotiate or offer partial payments in real time

One Size Doesn’t Fit Revenue

One-size-fits-all billing systems that hinder flexibility

Too Much Work, Too Little Return

Manual setup of payment plans adds operational overhead

Disconnected Systems, Disjointed Experiences

Friction in communication between billing and payment channels

The Solution

Unlock More Revenue with Smart, Seamless Partial Payments

Authvia makes it easy to offer, negotiate, and process partial payments within an intelligent, secure, messaging-first experience. Whether pre-authorized or initiated in real time via a customer conversation, partial payments are integrated into the flow, reducing friction and unlocking more revenue.

How It Works:

Send Dynamic Payment Links via SMS or RCS

Let customers choose to pay in part now, with the ability to schedule the rest, directly from their phones.

Enable Live Agent Negotiation

Agents can negotiate payment amounts in real time through secure messaging, eliminating the need for phone calls.

Automate Payment Plans

Configure structured follow-ups, reminders, or auto-scheduled payments, without burdening your operations team.

Track and Analyze Behavior

Know who’s paying partially, how they’re engaging, and when to follow up, all in a single dashboard.

PCI-Scoped for Security

Maintain compliance and reduce risk while allowing flexible options.

How Payment Flexibility Boosts Results Across the Board

Higher payment completion rates

When full payment isn’t possible, partial pay options keep the revenue flowing.

Fewer charge-offs

Flexible collection strategies reduce long-term bad debt.

Improved customer retention

Accommodate hardship without breaking the customer relationship.

Increased operational efficiency

Automate plan setup and tracking instead of relying on call center workflows.

Modernize Your Payments with Authvia

Faster transactions, higher conversions, and a seamless customer experience, all through the power of text.