Billing Department

Think of us as your add-on Billing Department that handles all customer invoices, payment follow-ups, processing, logging and disbursement of funds without your presence or input. A truly hands-free operation.

Hands-Free Invoice Management Service

IMS

The Invoice Management Service (IMS) automates every step of your billing operation. From generating invoices to collecting payments and keeping records, IMS ensures that every transaction is logged, compliant, and stress-free.

Maintains your branding and professionalism
Smooth transition from service delivery to getting paid
Automated recurring invoices & reminders
Failed payment recovery sequences
Live reporting dashboard
No merchant processing hoops to jump through
Direct ACH or echeck payout available

How it works:

IMS automates every part of the billing process under CROA and TSR compliance — from dispute tracking and chargeback handling to PCI-secure payment storage. Your agency stays protected, and Credit Manager handles the heavy lifting behind every transaction.

Invoicing and Follow Up

When a customer has been successfully onboarded and all services are completed as agreed to in the signed contract, our team will send out an invoice to your customers on your behalf. We have both automation and staff SOP to follow up with pending invoices as necessary.

Collecting and Disbursement of Funds

When your customers are ready to pay for credit repair services, payments are securely processed through Credit Manager’s merchant provider. Funds are collected, logged, and disbursed on your behalf, while Credit Manager manages all compliance, chargebacks, and disputes.

Eliminating Unnecessary Financial Risk

With IMS, an agency's management fee is deducted only when a customer successfully submits payment. No more clearing invoices upfront or covering balances out of pocket.

No chasing customers for payment. No upfront fees. No reserves.

IMS Basic: Standard & Reliable

The IMS Basic billing is included with all Smart and Enterprise Advantage service plans. It provides a reliable, compliance-based billing framework that manages customer invoicing, payment collection, transaction tracking, and disbursements on your behalf. Agencies on IMS Basic receive bi-monthly disbursements with a 15% IMS fee, ensuring transparent, predictable and easy accounting.

Responsibilities	Without IMS	With IMS (Recommended)
Billing Management	Agency handles all customer invoicing & payment collection		Covered — Credit Manager handles all billing
Merchant Account	$150-$300 Setup (application, underwriting, compliance screening)		Covered — no setup or underwriting required
Monthly Merchant Fee	$80–$150/mo typical for high-risk accounts		Covered — no monthly fees
Transaction Fees	4.3%–8% + $0.30 per transaction		Covered — included in IMS fee
Gateway & PCI Fees	$25–$35/mo + PCI compliance cost		Covered — no additional costs
Payment Portal Access	Must integrate third-party tools		Covered — customer billing portal provided
IMS Fee	0%		15% (only when customer pays)
Payout Frequency ¹	24-72 hours		Bi-Monthly
Chargebacks ²	100% agency’s responsibility		Managed by Credit Manager
Reserve Holdback	Typically 10% held for 60-180 days		None — Credit Manager absorbs the risk
Agency Invoicing ³	Agency pays invoice whether customer pays or not		Deductions only when customer pays
Compliance Oversight	Agency responsible for CROA/TSR compliance		Monitored by our compliance team
Ideal For	100% Agency Control		100% Hands-Free Operation
	Not Recommended	Gain An Advantage

¹ Payouts are based on customer payments that have cleared and transferred to Credit Manager’s merchant account before agency fund disbursement.

² Without IMS, agencies handle disputes and bear all liability. With IMS, Credit Manager manages chargebacks and disputes on your behalf.

³ Agencies not enrolled in IMS are responsible for paying their credit repair invoices in full, regardless of whether their customers submit payment. With IMS, payments are managed on your behalf — deductions occur only when your customer’s payment clears, and chargeback disputes are handled directly through our billing department.

IMS Pro: Scale & Save

As your agency expands, you can upgrade to IMS Pro to benefit from a reduced IMS fee and priority payout handling. The upgrade is completely optional and can be activated at any time inside your agency dashboard.

IMS Pro is designed for established agencies that maintain consistent monthly billing volume of over $20,000 per month or more and prefer faster disbursement cycles for improved cash flow management. This upgrade is currently invitation only.

Plan	Monthly Fee	IMS Override Rate	Payout Schedule
IMS Basic	Included for Smart & Enterprise Advantage	15%	Bi-monthly
IMS Pro	$495	10%	Weekly

All IMS plans include merchant processing, PCI compliance, chargeback management, and the payout schedule described above. Upgrading tiers simply adds priority handling of disbursements and reduced IMS override rates. Agencies should only consider upgrading once they have achieved steady, predictable monthly billing volume where the added monthly fee aligns with their operational goals.

Disclaimer:

Our Billing Department provides invoicing and transaction management services but does not assume financial liability for customers who fail to make payments. In cases of chargebacks or disputes, we facilitate resolution; however, refunded amounts remain the responsibility of the originating agency or merchant. Appropriate deductions or adjustments may be applied to both parties as required.