Exactly whose brand appears.
Most platforms say "fully white-label" and leave you to discover the exceptions. Branding here is per interaction, so the honest answer is a list, not an adjective. This is that list.
Three tiers, stated plainly.
1. Every interaction carries your brand.
Notices, emails, SMS sender, letters and envelopes, payment pages, receipts. The customer reads your name as the party of record, because under the FDCPA you are the speaker of record. This is true on every plan, with no configuration.
2. On your own domain, the entire surface is yours.
Point a subdomain at us and the full experience, including the shell around the page, renders as yours. No Debt Digest mark anywhere in the customer's path.
3. Where a customer owes several lenders, the shared view is neutral. On purpose.
A customer who owes you and two other lenders sees one neutral place listing all three, with each debt still carrying its own lender's brand. We could dress that shared page in whichever brand the customer happened to arrive from. We do not, and we would not build it that way: it would show your name over a competitor's account, and show a competitor's name over yours. Neutral is the only arrangement a second lender would ever agree to join.
What your customer actually sees.
Check it line by line. If a row is ever wrong in production, that is a defect and we will treat it as one.
| Touchpoint | Standard | On your domain |
|---|---|---|
Validation notice §1006.34 | Your brand | Your brand |
| Email sender and body | Your brand | Your brand |
| SMS sender | Your brand | Your brand |
| Letter and envelope | Your brand | Your brand |
| The account card the customer opens | Your brand | Your brand |
| Payment page and receipt | Your brand | Your brand |
| Page shell, single-lender customer | Your brand | Your brand |
| Page shell, customer owing several lenders | Neutral | Your brand |
| Domain in the address bar | Debt Digest | Yours |
A rail nobody owns is the only rail anyone joins.
We are the software underneath, not a party to the debt. Your customer pays you; we never touch their money. The same neutrality that keeps one lender's brand off another lender's account is what keeps us a technology provider rather than a participant, and it is why a second and third lender can sit on the same rail without either one being advantaged.
See it under your own brand.
We will stand up a demo with your logo, your colors, and your sender identity so you can read exactly what your customer would read.
Talk to us