The three issuers have either signed an agreement or implemented the service in the last 90 days.

Under these confidential agreements, the clients will utilize Online Resources' award-winning Virtual Collection Agent to serve their domestic credit card and other consumer lending portfolios. The Virtual Collection Agent provides a fully compliant, 24x7 online customer service and collection environment which improves recovery of outstanding debt while maintaining a positive consumer experience.

By providing account holders with a private, convenient way to resolve their delinquency, Online Resources clients have reduced their credit card charge-offs by 10 percent or more. The Virtual Collection Agent allows clients the flexibility to rapidly scale their debt recovery efforts in response to ever-changing business and market needs, without adding labor costs. It also features a full suite of payment processing capabilities, and consumer analytics that enable real-time adjustment of collections strategies, such as payment plan offers, to maximize results.

"We are very pleased with these three new large client relationships," said Robert R. Craig, executive vice president and general manager of Online Resources' eCommerce services unit. "After a quick implementation, we are confident we can show very positive results. During these tough economic times, the Virtual Collection Agent's private, non-confrontational nature is particularly valuable to give consumers options in dealing with delinquencies they may never have had to face before."

These companies join eight other top U.S. 20 card issuers utilizing Online Resources' full suite of account presentment, payment and receivables services via the web, IVR and CSR.