Method is an API that makes it easy for developers to embed debt repayment on their apps and platforms, as well as instantly access users' debt portfolio using just their phone number - no login credentials required. Method enables data retrieval and push payments to any type of consumer debt – including credit cards, student loans, car loans, and mortgages – all through a single API, across 15,000+ financial institutions. We manage the entire process, including KYC, flow of funds, and banking partners, allowing developers to go-live in an evening.