I don't know about Gravity Payments but one of the huge money making machine in credit industry is collections. If you can figure out tricks to have people pay

I don't know about Gravity Payments but one of the huge money making machine in credit industry is collections. If you can figure out tricks to have people pay off their debt without getting dragged into expensive court, you get a huge portion of the proceeds. Many people would just pay things off right away because they did not notice library fines and things like that. As collection agency, you get huge cut for basically locating a person and sending them $0.25 mail.