A payment service provider can also be used by the dealer as a collector. It then collects the payments from various payment methods and financial institutions before passing them on to the trader. The merchant also receives a clear report on the individual payment flows. Without a collector, the trader would receive a separate billing for each payment method.

The settlements of each payment methods, however, usually take place at different times. Therefore, matching the accounts and payment receipts requires additional time and generates costs. A collector is therefore interesting for traders who offer several payment options or use cross-border transactions. The contractual negotiations with the individual payment options are made with the dealer.