Systems and methods for staging transactions, payments and collections

A non-transitory computer-readable medium for accepting a payment from a consumer for monies owed by the consumer to a lender pursuant to a financial relationship between the consumer and the lender, having sets of instructions stored thereon which, when executed by a computer, cause the computer to:

• send a promise-to-pay record from a lender system operated by the lender to a payment service provider system operated by a payment service provider distinct from the lender, the record comprising a set of identifiers forming a database, the database comprising existing promise-to-pay accounts, the set of identifiers being formatted into a consumer database, the promise-to-pay record identifying at least a payment amount and including a transaction identifier of the set of identifiers;
• send a record of receipt of a cash payment from the consumer to the payment service provider, the record of receipt identifying a paid amount and including a purported identifier provided by the consumer;
• associate the record of receipt of the cash payment with the promise-to-pay record, wherein associating the record of the cash payment with the promise-to-pay record comprises matching the purported transaction identifier provided by the consumer with the transaction identifier included in the promise-to-pay record;
• receive a notice from the payment service provider system at the lender system, the notice comprising an indicator that a payment has been received for the promise to pay record at a location of the payment service from the consumer, the indicator identifying the paid amount and a purported identifier provided by the consumer wherein the consumer is physically present at the location of the payment service provider when the payment is made;
• and
• receive by the lender an electronic funds transfer of at least a portion of the paid amount from the payment service provider.