American Payment Technologies, Inc. provides an internet platform for small to mid-size companies to aid in the collections of small balances and for evaluation of larger balances for awarding charitable or hardship discounts. These two products are called "discount two pay" and "flex-pay". Another service is to provide escrow services for consumers to accumulate funds for settling their unsecured credit card obligations. An additional service involves receipt and forwarding of payment files from Credit Counseling Agencies to MasterCard RPPS electronic payment and proposal systems.