One system for the entire collection lifecycle.
From the moment an account is placed to the final payment, Meridian gives your whole team the tools to work efficiently, communicate compliantly, and get paid.
Give every collector a focused day.
Meridian turns a wall of accounts into a clear, prioritized worklist — so collectors always know exactly who to work next, and why.
- Needs-attention queues: paying today, broken promises, high balances
- Reminders, promises, and a personal daily worklist
- Full account history, notes, and phones in one view
Reach consumers the compliant way.
Design a template once, personalize it with account data, and send across email, text, and calls — with a powerful editor and compliance baked into the send itself.
- Rich template editor with merge fields and live preview
- Suppression and opt-out enforced on every message
- Automated sequences and one-off campaigns
Close with flexible payment options.
Meet consumers where they are with payment plans and pre-approved settlement offers — every option kept inside the guardrails your clients set.
- Payment plans, post-dated schedules, and promises to pay
- Pre-approved SIF / SIP settlement offers with manager guardrails
- Automatic follow-up on broken and missed payments
Know exactly how your agency is performing.
Live dashboards turn every call, contact, and payment into insight — for the collector, the manager, and the client who placed the work.
- Dashboards for email, text, calls, payments, and NSFs
- Trends over time and top-client performance
- Real-time — no overnight batch, no waiting
Manage the team, not just the accounts.
Meridian gives managers the workforce and performance tools to run a tight, accountable operation.
Workforce & time clock
Clock-in, breaks, and payroll estimates per collector — with a live view of who's on the clock and automatic manager alerts when a collector goes idle.
Call performance analytics
Right-party contacts, promises, and outcomes tracked automatically — so managers can coach on real numbers, not guesswork.
All your collection tech, working together.
Meridian connects the services your agency depends on into one platform — no more juggling separate tools, exports, and logins.
Email delivery
Send through Amazon SES or your own SMTP server — your domain, your sender reputation, DKIM-signed and authenticated.
Amazon SES · SMTPText messaging (SMS)
Two-way texting to reach consumers where they actually respond — with consent and opt-out enforced automatically.
SMSPayment processing
Accept card and ACH payments, plans, and post-dated schedules — recorded straight onto the account.
Card · ACHSkip trace
Locate updated phone numbers and addresses without leaving the account — right from the collector workspace.
LocateAI-assisted workflows
Modern AI helps summarize accounts and speed up everyday tasks — built in, not bolted on.
AIPlacement import
Bring in new placements from CSV or Excel with flexible field mapping — no IT project required.
CSV · ExcelOne platform. Every capability.
No add-on modules or surprise upsells — the tools a modern agency needs, in one subscription.
Accounts
- Placement import (CSV & Excel)
- Portfolios & desks
- Automatic account assignment
- Custom status codes
- Notes & full account history
- Integrated skip trace
Communications
- Email & SMS sending
- Call logging & outcomes
- Rich template editor + merge fields
- Campaigns & automated sequences
- Bring-your-own sending domain
Payments
- Payment plans & installments
- SIF / SIP settlement offers
- Promises to pay & post-dates
- Fee & settlement profiles
- Broken-plan & NSF follow-up
Compliance
- Do-Not-Contact suppression
- Opt-out handling
- Per-channel consent tracking
- Full audit trail
Team & operations
- Time clock & payroll estimates
- Daily task checklists
- Manager oversight & notifications
- Roles & permissions
Insight
- Real-time performance metrics
- Per-client & per-channel reporting
- Payment & NSF trends
- Manager & collector dashboards
Built on a modern foundation.
Meridian is cloud-native, secure, and fast — engineered with the same technology powering the best software in the world, not legacy collection tools bolted together.
Cloud-native & multi-tenant
Securely isolated per agency, ready to scale from one desk to a full floor without new hardware.
Real-time everything
Dashboards, worklists, and metrics update the instant work happens — no overnight batch.
Bank-grade security
Encrypted data, secrets protected at rest, and least-privilege access to sensitive information.
Fast, modern interface
A clean, responsive UI your team will actually want to use — light or dark, on any screen.