What it costs
What you pay if it doesn't work
For: Owner, finance
At Stage 1, your downside is a fixed $15,000 for a report you keep. The Floor Assessment fee is not refundable. Stage 2 is taken up only if the report supports it, and in live pairing a month with no gain costs the $2,500 minimum.
If your collectors are too alike. If your top quarter of collectors collects less than 20% more per account contacted than your bottom quarter, the report says so plainly. Matching is unlikely to pay on your floor, and you would not take up Stage 2. The $15,000 is not refunded: it paid for a report you keep, with actions you can take without us.
If there is a spread but you stop. Stage 2 starts on the 1st of the month after, unless you opt out in writing within 10 business days. Then nothing further is owed.
If live pairing adds nothing. The fee is the greater of 10% of the extra and $2,500, so at zero extra, or if the BestPair group collects less than control, you pay the minimum and use none of your credit. In the first 90 days you can end Stage 2 on 30 days' written notice; after that, the 12-month term applies. Unused credit lapses after 12 months of Stage 2, or when Stage 2 ends if sooner.