About 21.5 million U.S. households are behind on their energy bills, with outstanding utility debt reaching roughly $21 billion.
NEADA, 2025
SpenDebt helps businesses offer Everyday Micropayments alongside their existing payment options, giving customers a simple way to make small, consistent payments toward what they owe. Customers stay in control of how much they contribute, while businesses gain another way to receive payments and help customers keep moving forward.
See the business impact of missed payments.
A better payment experience can create value for everyone.
“Micropayments from SpenDebt can be a game changer - We're delighted to provide information to parents so they can pay child support in an automated way using SpenDebt's micropayment platform. They can set their own predefined micropayment amount, breaking the payment down into smaller, manageable amounts that are added to their everyday transactions, so they can pay on time. It's such a simple solution that benefits everyone, including the state agency, families and communities.”
Make Payments Easier
Everyday Micropayments give customers a simple way to make small, consistent payments through their everyday spending — helping them make progress without relying on one large payment.
Support Consistent Payments
Large payments can be difficult to manage. Everyday Micropayments help customers make smaller payments over time, creating more opportunities for consistent progress while helping businesses receive more of what they're owed.
Build Stronger Relationships
Give customers a payment experience built around flexibility, control, and progress. Helping people continue moving forward can strengthen trust between businesses and the customers they serve.
Built With Support From Industry Leaders
Across essential services and financial obligations, organizations face the same challenge: helping customers make consistent progress on what they owe. Everyday Micropayments create a way for smaller payments to work alongside the payment options already in place.
About 21.5 million U.S. households are behind on their energy bills, with outstanding utility debt reaching roughly $21 billion.
NEADA, 2025
21% of U.S. households reported having past-due medical bills, while 23% were paying medical bills over time directly to a provider.
Health Affairs Scholar, 2025
Credit card delinquency at commercial banks reached 2.92%, highlighting the ongoing challenge of helping consumers stay current on revolving debt.
Federal Reserve, Q1 2026
More than one in ten dollars of student loan debt is 90+ days delinquent, highlighting the need for ways borrowers can make consistent progress alongside their regular payments.
Federal Reserve Bank of New York, Q1 2026
More than one in four BNPL users reported making a late payment, highlighting the need for flexible ways to help consumers keep making progress between scheduled payments.
Federal Reserve, 2026
Discover how Everyday Micropayments can give customers another way to make progress while helping organizations create more consistent payment activity.
SpenDebt turns everyday spending into small, automatic payments that help customers make consistent progress.
Connect
Businesses make SpenDebt available to customers as a flexible payment solution that works alongside their existing payment options.
Choose
Customers choose an amount they’re comfortable with to create an Everyday Micropayment tied to their everyday spending.
Pay
As customers make everyday purchases, their micropayments accumulate and are automatically sent toward what they owe.
Progress
Small payments add up over time, helping customers reduce balances while businesses receive more consistent payments.
Start with a pilot. Expand as you prove the impact.
Test Everyday Micropayments with a select group of customers and measure the impact before expanding.
Expand Everyday Micropayments to more customers as you validate engagement, payment activity, and results
Deploy Everyday Micropayments across your organization with solutions designed for larger customer populations.
*White label option available
**Customized API option available