Close the file once — no claw-back weeks later

No. Paymos is payment infrastructure, not a compliance gate, and it doesn't check, require, or rule on your licensing. Running a third-party collection agency is the operator's obligation: the state debt-collector licenses for every state where your debtors reside, any surety bond those states mandate, and compliance with the FDCPA and the CFPB's Regulation F. Paymos confers none of that and won't stand between you and a regulator. Hold the licenses and the bond; the rail sits downstream of them.

A confirmed on-chain transfer carries no chargeback right the way a card does. Once it confirms it's settled, and the debtor can't call a bank to reverse it. For an agency, that removes two problems at once: the dispute spike that drives reserves and account terminations, and the after-remittance reversal that eats into funds you've already forwarded to the creditor. The trade-off: a genuine error — a double payment, a wrong amount — you handle yourself, as a manual outbound transfer from your wallet, on your timing and within FDCPA and Regulation F.

Paymos settles the payment; FDCPA and Regulation F stay entirely with the agency. The rules govern when and how you contact debtors, how you validate debts, and the disclosures you make — none of which the rail touches. What stablecoin settlement changes is only the payment mechanics: the debtor pays from a wallet and it's final on confirmation. Your validation, re-contact, and remittance duties read exactly as they did before. Keep the compliant process you already run; Paymos settles the payment it produces.

It depends on the book. Consumer recovery leans on debtors who already hold stablecoins — younger, crypto-comfortable segments — while commercial recovery increasingly meets counterparties holding treasury stablecoins. You don't need the whole book to pay this way; offering it captures the segment that prefers it and takes reversal risk off those accounts. USDT on Tron suits small consumer balances because it's the USDT most consumers abroad already hold — for its liquidity, not its gas, since Tron is the priciest network to send on. USDC on Base or Polygon, and Ethereum for large commercial settlements, round out the mix.

A refund or returned overpayment is a manual outbound transfer — from your agency wallet back to the debtor's, initiated from the dashboard or the API to a whitelisted address. For a double payment, a wrong amount, or a settlement adjustment, you control both the refund and its timing within FDCPA and Regulation F. Paymos charges its percentage only on a settled invoice, so nothing is layered onto the refund itself, and no reversal lands on you weeks later the way a card return can.

Paymos answers to the same legal process as any rail an agency collects through: where we operate, lawful orders from an authority with valid jurisdiction are honoured, the way any processor would honour them. Paymos doesn't screen agencies or vet the category at the door, so that's never a pre-emptive cut-off — it would take a regulator moving against your specific agency. The licenses and bond stay your floor. Paymos is the rail your settlements run on, never a stand-in for your regulator.