How PFC | USA Drove 147% Growth in Approved Payment Volume with TextPay
Since 1904, PFC | USA has delivered accounts receivable management solutions for healthcare providers, serving more than 1,200 hospitals and healthcare systems nationwide. Through its OmniChannel Preferred Solutions (OPS) platform, PFC | USA helps healthcare organizations modernize patient engagement through digital-first communication exp
Performance at a glance
147%
increase in approved payment volume MoM
13%
of all collected dollars in April 2026 were processed via TextPay alone
56%
of all YTD TextPay payments were completed through Apple Pay or Google Pay
Reducing friction in the payment experience
PFC | USA was already leveraging digital communication channels to engage consumers, including text reminders, email notifications, IVR, and online payment portals. But like many organizations managing debt outreach, they still faced a major challenge: payment friction.
Before implementing SBT’s TextPay, consumers were often required to log into a payment portal, navigate additional authentication steps, or interact with agents to complete payments. Even small barriers in the payment process created drop-off and delayed collections.
PFC | USA wanted to continue modernizing the consumer experience while reducing operational dependency on live agents and phone-based payment workflows.
The organization also saw digital transformation as a strategic differentiator for both consumers and their clients. Their team wanted payment experiences that aligned with how modern consumers already interact and transact on mobile dev
“We knew consumers wanted a faster, easier way to pay. People don’t want to call in, get transferred around, or talk to a bot. They want self- service experiences that are simple and convenient.”
Why PFC | USA chose SBT
PFC | USA selected SBT because of SBT’s deep expertise in the ARM industry and its ability to deliver compliant, frictionless payment experiences directly within the text conversation through TextPay.
With TextPay, consumers can securely complete payments directly from a text message without needing to navigate complicated payment flows. By embedding payment actions directly into the conversation, PFC | USA created a faster, lower-friction payment experience at the moment consumers are ready to act.
TextPay’s digital wallet capabilities became another major differentiator. With Apple Pay and Google Pay, consumers can authenticate their transaction and complete payments in seconds. That convenience mattered. Consumers are already conditioned to use digital wallets in their everyday lives for retail purchases, food delivery, subscriptions, and bills. use digital wallets in their everyday lives for retail purchases, food delivery, subscriptions, and bills. Bringing that same familiar payment experience directly into the collections conversation created a faster, more intuitive way to pay.
Outcomes
After launching TextPay, PFC | USA saw immediate and measurable improvements in payment engagement and performance.
60%
growth in approved payment transaction count, MoM
116%
increase in approved payment transaction volume, QoQ
136%
increase in approved payment dollar volume, QoQ
Growth across every payment performance metric
The impact of digital wallets was also especially significant. 56% of all year-to-date TextPay payments were completed through Apple Pay or Google Pay, demonstrating strong consumer adoption of frictionless mobile payment experiences. Within just four months of go-live, consumers completed more than 4,800 Apple Pay transactions through TextPay.
By simplifying the payment journey and reducing the number of steps required to complete a transaction, PFC | USA was able to drive stronger payment performance while improving the overall consumer experience.
“If you make it easy enough for consumers, they will pay. TextPay removed friction from the payment process, and the results spoke for themselves.”
A better consumer experience and a stronger digital strategy
For PFC | USA, TextPay has become a key part of their collections and broader digital engagement strategy. Consumers now have the ability to receive a text, click to pay, authenticate with a digital wallet, and complete the transaction in moments, all from the device they already use every day.
The result is a payment experience that is faster, simpler, and more aligned with modern consumer expectations. At the same time, PFC | USA has been able to reduce reliance on agent-assisted payment interactions while strengthening the digital transformation story they bring to their clients.
PFC | USA is continuing to expand its use of SBT solutions, including leveraging two-way payment capabilities to further empower agents with real-time payment options during live consumer interactions.