help, loan companies are telling me they can't accept small payments

I have called most of my payday lenders,,, and they are telling me they can't accept the small amount i am offeiring and they will keep adding finance charges each day.. one loan co. said i could make the 50 dollar payment but i would incur 150 for the month in finance charges do i just wait till they turn it to 3rd party collections... then do they have to accept payments