$DRSV's Settl.it is our basic on-line service for small business and consumers with a single financial dispute to resolve. In just a few minutes, either side in a dispute can set up an on-line negotiation session. Settl.it emails the other party and solicits up to three bids. If one of those bids falls within a pre-set limit, Settl.it accepts it and enables an on-line payment. https://www.settl.it