Yes, CARM-Pro has an integrated pay-by-phone module. Collectors can accept the phone payment, debtors can self-pay 24×7, and non-collector staff can log into the payment portal to accept payments from account holders. The bank or credit union sets the time for the last payment for “today” (payments after that time are in “tomorrow’s” payments). IBS clients originate these payments as same day ACH. CARM-Pro phone payments include both the payment funding and the loan payment information. So, the core account servicing system can directly post a payment to the proper loan account, with no human intervention.