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Digital Payments.
real results

Learn how leading lenders are reducing 
delinquencies and delivering better 
borrower experiences.

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Download our exclusive lender's guide to streamlining payments in consumer finance today.

Fill out the form below to gain access to our latest whitepaper, A Lender’s Guide to Streamlining Payments in Consumer Finance.

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Why It Matters

Outdated payments cost you.

Slow posting, failed transactions, and limited payment options don’t just frustrate borrowers; they chip away at your bottom line. Paper checks can take up to 7 days to clear, ACH returns create added costs and delays, and manual processes drain staff time that could be spent elsewhere.

Today’s borrowers expect faster, more secure, and more flexible ways to pay and they’re not willing to wait.

This whitepaper breaks down how integrated, omni-channel digital payment solutions help lenders reduce delinquencies, improve cash flow, and deliver a modern borrower experience that drives retention.

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ACH Transfers 

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Debit Cards

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Mobile App Payments 

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Agent-Assisted Pay

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Digital Wallets 

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Online Payment Portals 

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Paper Checks

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Interactive Voice Response (IVR) 

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Text-to-Pay 

What’s inside?

Loan payments are the lifeblood of a lender’s business, but outdated payment processes create unnecessary friction, higher costs, and missed opportunities. While borrowers expect fast, convenient, and secure payment options, many lenders still rely on slow, manual systems that erode efficiency and borrower satisfaction.


Download our lender payments whitepaper to learn:

 

  • The cost of payment friction and how it impacts your bottom line

  • Realtime debit vs. ACH returns what is faster, safer, and more efficient

  • How to lower delinquency with smart tech that works behind the scenes

  • Why borrowers want choices: mobile, text, IVR, and wallet options that meet them where they are

  • The benefits of instant funding + repeat loan lift for portfolio performance

  • How to keep up with compliance and fraud prevention without adding complexity

52%

of borrowers choose debit as their preferred payment method

75%

of Millennials prefer managing finances digitally

2 in 3

younger borrowers favor mobile apps, online portals, and digital wallets

60%

or more of Baby Boomers and many Gen X borrowers still rely on checks and ACH

What Makes REPAY Different

Modernize faster. No dev cycles required! 

Tired of slow payment posting, high delinquency rates, and rigid systems that can’t keep up with borrower expectations? 

With REPAY, you can:

  • Integrate quickly with rapid, easy API plug-ins that work with your existing loan management systems 

  • Offer 24/7 borrower payments across web, mobile app, text, and IVR channels

  • Get paid faster with realtime debit approvals. No NSF risk or waiting days for funds to clear 

  • Spot issues early with same-day data that flags potential charge-offs before they escalate

  • Protect every transaction with PCI Level 1 compliance and advanced fraud prevention tools

  • Deliver better support through our dedicated, U.S.-based customer service team
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Instant Processing

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Recurring and
automated payments

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Stronger security

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Cost savings

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Better borrower experience

Let’s Simplify
Your Payments

Reduce delinquencies. 
Boost collections. 
Deliver the borrower experience your team and your customers deserve.

©2025 REPAY