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Payment Assurance Programs

Protect Borrowers. Preserve Portfolios.

All Shield’s Payment Assurance Programs provide embedded protection against borrower hardship—supporting payments during times of job loss, illness, or major life disruptions. Designed for lenders seeking operational efficiency, regulatory compliance, and borrower retention, these solutions deliver peace of mind through every repayment cycle.

Launch hardship coverage under your brand—compliant, scalable, and automated.

Why Lenders Choose All Shield Payment Assurance

What Payment Assurance Covers

Shortfall Coverage (2)

Shortfall Coverage

Income Disruption Protection

Help borrowers stay current on payments when facing income loss. Includes:

  • Job loss and involuntary unemployment coverage
  • Disability and illness-related payment support
  • Short-term benefit windows tied to employment status

Use Case: Credit unions and installment lenders seeking to reduce charge-offs while increasing borrower goodwill.

Event-Based Hardship Support

Event-Based Hardship Support

Structure flexible protection for key life events and unexpected disruptions. Includes:

  • Family medical leave or caregiving triggers
  • Disaster or regional emergency activation
  • Bereavement or hardship pause eligibility

Use Case: Lenders in regulated regions seeking to align programs with consumer protection expectations.

Automated Benefit Workflows

Automated Benefit Workflows

Deliver fast, consistent benefit outcomes without manual intervention. Includes:

  • Eligibility and trigger logic tied to borrower profiles
  • Digital claim intake and e-signatures
  • Lifecycle tracking and audit logging

Use Case: Point-of-sale and BNPL platforms wanting a lightweight, compliant hardship solution.

Let’s Keep Borrowers on Track—Together

Empower your customers with structured, branded support in times of need—while reducing delinquencies, boosting loyalty, and meeting evolving compliance demands.

F.A.Q

What events are covered under Payment Assurance Programs?

All Shield’s programs cover involuntary unemployment, medical leave, disability, and qualified life events that interrupt a borrower’s ability to make payments.

Yes. Our workflows support both English and French, meeting compliance standards for FSRA, PIPEDA, Quebec’s Bill 64, and U.S. FTC regulations.

Most programs go live in 30–60 days. No internal development is required—All Shield handles API integration, white-label setup, and compliance configurations.

Absolutely. Our solution is API-ready and integrates with most major LOS and servicing platforms to automate eligibility, benefit triggers, and reporting.

What our clients say

From manufacturers and service networks to individual customers, our partners trust All Shield to deliver clarity, speed, and reliability. Here’s what some of them have to say about working with our team.

Ready to learn more? We’re here to help

Reach out to us today to discover how All Shield can provide you with the protection you deserve.

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