PTP (P2P) in IntroXL
How to log, monitor, and act on Promise-to-Pay activity without over-contacting borrowers.
✔ Success rate 50–60%
⬆ Escalate after 2 broken
📅 ACH: remind day before
💳 Debit: same-day confirm
What PTP Does
- Takes loan out of collections → removed from dialer & Daily Call List.
- Prevents over-contact and negative customer service incidents.
- Shows borrower is engaged and communicating.
Best Practices
- Only log PTP with a clear date, amount, and payment method.
- Send a reminder the day before (text/email).
- Use the Bulk Texting & Email tool.
- Recency and auto-pay matter more than PTP outcomes, but communication is still a positive signal.
Reports to Use
- Upcoming PTPs → view future promises.
- PTP Due Today → confirm payments or follow up quickly.
- Broken Promises → missed PTPs return to collections.
- Kept vs Broken → outcomes by loan and collector (P2P report).
Performance Notes
- PTPs succeed 50–60% of the time.
- After 2 broken PTPs in a row, chance of repayment drops sharply → escalate.
- ACH = contact day before (may take up to 3 days to clear).
- Debit Card = same-day confirmation.
Key Takeaways
- PTPs = engagement (borrower still communicating).
- Recency = results (who is paying, who isn’t).
- Use the P2P report daily to track promises and outcomes.
- Watch for repeat broken PTPs — escalate appropriately.
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