Text. Sign. Pay. Done.How Divinity Software Simplifies the Entire Accounts Receivable Workflow

Text. Sign. Pay. Done. How Divinity Software Simplifies the Entire Accounts Receivable Workflow

Let’s face it—collecting a payment shouldn’t take three days, two voicemails, and one awkward call back. Yet for many accounts receivable (AR) teams, that’s still the reality. Legacy systems, manual workflows, and disconnected tools create friction at every step. Consumers are left confused. Collectors are left chasing signatures. And businesses are left waiting on revenue.

At Divinity Software, we’ve built a platform that flips that script.

What if you could resolve a payment plan in one call—while the consumer is on the line, engaged, and ready to act?

We believe AR should be simple, seamless, and secure. That’s why our motto is straightforward:Text. Sign. Pay. Done.

In just minutes, you can:

1. Start a conversation via SMS

2. Send a compliant document for signature

3. Collect a secure payment

4. Record every interaction automatically

Let’s break down how that works—and why it matters.

Step 1: Text—Connect Fast, Stay Compliant

Your collector initiates a conversation through Divinity’s built-in SMS platform, which is TCPA-compliant and integrated into your workflow. This means no third-party tools, no app-switching, and no missed follow-ups.

With just a few clicks, they can send:

• Payment reminders

• Balance disclosures

• Plan offers

• Settlement options

• Direct links to pay or e-sign

Each message is personalized and trackable. You’ll see if it was delivered, opened, and responded to in real time.

Why it matters:Consumers overwhelmingly prefer text to phone calls. Open rates are over 90%, and responses often come within minutes. You meet people where they are—on their phones—and give them the freedom to act fast.

Step 2: Sign—No Printing, No Waiting

Once a consumer agrees, you need to get it in writing. This is where most systems slow down:

• Documents need to be generated manually

• Compliance language must be checked

• Consumers are asked to mail back forms

  
  

With Divinity Software, eDocs are generated instantly. All Reg-E compliant language is already included. The consumer receives a link via SMS, opens the form, reviews it, and signs with a fingertip. Done.

Every eDoc:

• Is time-stamped and IP-tracked

• Includes the collector’s name and disclosures

• Becomes part of the account’s digital audit trail

  
  

No more waiting. No more “I never got it” excuses. And absolutely no need for scanning or faxing.

Why it matters:In collections, delays kill momentum. Consumers get distracted, forget, or get cold feet. By sending the agreement while they’re still engaged, you increase sign rates and reduce risk of non-compliance.

Step 3: Pay—Multiple Methods, Real-Time Confirmation

Consumers are automatically routed to a secure payment page. They can:

• Make an initial payment right away

• Set up recurring ACH or card payments

• Choose their preferred method from mobile or desktop

  
  

The system validates the payment, updates the account status, and sends confirmations to both parties. No collector needs to follow up manually—though they can if they want to.

Divinity supports:

• Credit/debit cards

• ACH transfers

• Recurring payment plans

• One-time settlements

  
  

Our payment processing is PCI-compliant and fully encrypted. We even offer tools for custom plan design, so consumers can select what works for their budget—improving satisfaction and follow-through.

Why it matters:Getting paid faster isn’t just good for cash flow—it’s good for morale. Your team sees results quickly, and consumers feel empowered to resolve accounts without confusion or pressure.

Step 4: Done—Documented and Auditable

Once payment is completed, all actions are recorded in the Divinity dashboard. That includes:

• The original SMS thread

• The signed eDoc and timestamp

• Payment confirmation

  
  

Every part of the process is fully auditable, exportable, and secure. You’re not only resolving accounts—you’re building a verifiable record that protects your business.

This level of detail makes compliance audits a breeze. It also reduces disputes, because every agreement and action is backed by digital proof.

Why “Text. Sign. Pay. Done.” Works So Well

It’s intuitive. There’s no learning curve for consumers. Everyone knows how to read a text, tap a link, and sign with a finger.

It’s fast. From first contact to final payment, the process can be completed in minutes.

It’s safe. With built-in compliance and full encryption, you don’t have to worry about legal exposure or data risks.

It’s profitable. Clients using this workflow report shorter DSO (Days Sales Outstanding), higher recovery rates, and better consumer feedback.

Ready to Simplify Your Collections?

If your AR team is tired of jumping between systems—or your consumers are frustrated by clunky, outdated processes—Divinity Software is your solution.