Rev up your ability to meet any borrower loan payment need with the comprehensive Paymentus loan payment solution. Whether you’re a captive or indirect auto finance lender, Paymentus delivers payments flexibility, digital efficiency, and real-time reporting—all in a single solution that seamlessly integrates with your core servicing platform.
No two borrowers are alike, which makes it all the more important that your loan repayment and engagement solution be built to meet every expectation. From prime to sub-prime lending, Paymentus enables you to win more business and loyalty while preventing missed payments.
Empower your borrowers with a host of easy-to-use, self-service payment options to meet any need and preference. Offer comprehensive methods like debit cards, ACH/eCheck, in store and in-person cash payments at thousands of retail locations*, and popular digital wallets (PayPal, Venmo, Apple Pay, and Google Pay). Plus, you can quickly add new offerings without needing additional gateways or contracts.
Reduce costs while making it easier than ever to connect and help borrowers repay loans through intuitive web and mobile channels. Deploy self-serve options such as Pay-by-Text, automated chatbot, Secure Service® IVR and SMS. Send proactive digital notifications to keep borrowers up to date on accounts and reduce paper usage. You can also offer recurring payments (AutoPay) and payment plans for further convenience, as well as digital disbursements to reduce the need for costly paper checks.
Seamlessly launch modern payment experiences with flexible deployment options from fully-hosted solutions to SDK/APIs. Auto loan lenders can also benefit from proven integrations with 450+ core systems, including Oracle Financial Lending and Leasing (OFLL), Megasys and more —making it easy to work within your current structure.
Gain actionable insights, track digital adoption and borrower payment behavior, and view all payment-related activity in real time within Agent Dashboard, a standard part of the Paymentus solution. This single interface gives customer service representatives and team members a direct line of sight for all payment-related activity (loan details, channel usage, borrower preferences), simplifying your ability to proactively address borrower issues and service loans.
Paymentus offers a host of patented, Level 1 PCI compliant bill payment capabilities to help auto lenders manage their unique challenges and best serve a wide array of borrower payment preferences. Secure Service® IVR and SMS combine security and convenience for call-in customers. BillWallet® streamlines authentication for a fast and secure payment experience. Chatbots enable a more effective way for customers to self-serve a variety of needs. And Paymentus also offers complimentary marketing support to educate borrowers and drive the adoption of cost-efficient digital channels and paperless billing.
Paymentus offers unmatched experience in helping lenders of all types meet the demands and complexities of today’s lending ecosystem. See how we’re delivering intelligence that pays for mortgage lenders.
Auto lenders are supported by the Intelligent Payment Platform™ (IPP). See how the IPP offers modernized engagement, billing, and payments to make your bills worth more than ever before.
From walk-in to web, give consumers the power to access billing information and make payments through their preferred way with intelligent self-service. Reaching 100% of your consumership including online portals for registered users with shopping carts, quick pay one-time web options, IVR (phone) experiences, in-person at agency or retail locations, Account-to-Account (A2A) and Peer-to-Peer (P2P), as well as payments by text, email, chatbot, and the patented, fastest way to take a payment with BillWallet®.
Provide awareness and full visibility to your customers of bill and invoice details while driving customers to receive bills digitally through our many presentment options including paper suppression, eBilling via email, text, and mobile, as well as online access to PDFs and document images, and full bill print and statement services of paper bills.
Provide maximum payment optionality by offering credit card (AMEX, Visa, Mastercard, Discover), debit card, ACH/eCheck, cash at retail locations and in person, and popular digital wallets including PayPal, PayPal Credit, Venmo, Apple Pay, Google Pay, including our Instant Payment Network® (IPN).
Increase payment adoption with intuitive AutoPay or recurring payments, one-time and scheduled one-time payments, and pay now/pay later. Provide financial flexibility and financing options with pre-arranged parameter-based payment plans and the ability to enable your customers options when affordability and specialized payment needs arise.
Gain complete visibility with comprehensive reporting and reconciliation through the state-of-the-art admin solution Agent Dashboard, offering real-time visibility for all transactions, regardless of payment method or channel. View agency analytics, monitor digital adoption and consumer behaviors, and review all facets of payment details in a single line of sight.
Simplify payment options for customers requiring live agent and call center staff assistance by offering the patented Secure Service® for IVR, SMS, and email. Improve communication, visibility, and efficiency of all live-agent interactions including virtual terminal options.
Maximize consumer payouts and modernize the legacy physical check with fast and efficient digital payouts. Additionally, refunds, deposits, premiums, and many types of disbursements are delivered in a multichannel environment with diverse payment options for your customers.
Modernize and ease revenue collection for in-office transactions and data for the cash management of in-person payments for any payment type or payment method, all while maintaining seamless integration into your agency-wide systems of record, utilizing secure hardware devices from check scanning to card, and everything in between.
The Paymentus PAY OS is a fully-hosted SaaS solution that provides modern user-interfaces and hosts all aspects of the billing and payment experience. Deploy billing and payment solutions anywhere, to be used by any device, and be paid with any payment method.
Integrations with 450+ systems of record and multiple deployment options allows choice and versatility to meet your business needs. From a true developer portal toolkit with APIs, SDKs and the Pixels by Paymentus toolkit, to our workflow and NCLC interactive application (iApp) engines, Paymentus makes integration, implementation, and deployments easy and proven.
Help manage your businesses’ finances beyond customer transactions with the capability to invoice vendors, manage accounts payable (AP) and accounts receivable (AR), and control expenses—including issuing and monitoring employee expense cards.
As a Level 1 PCI-certified service provider, Paymentus reduces the compliance burdens for our customers with our fully hosted, cloud-based intelligent platform. From Nacha account validation and early warning systems to full HIPAA, SOC 1, SOC 2, and ADA compliance and protections, Paymentus has you covered with our fortress level safeguards, fraud prevention, and intrusion management security.
Harness the power of Plaito, our AI platform purpose-built to power the future. The AI-powered core infrastructure enables rapid development, onboarding, and customization, with proprietary AI-powered capabilities delivering bill presentment, payment, personalization, and real-time analytics.
What type of payment methods does Paymentus offer borrowers?
Paymentus offers an expanded range of payment options that include traditional methods such as ACH/eCheck (including DDA), and debit cards, as well as modern options including PayPal, Venmo, Apple Pay, and Google Pay digital wallets, and in-store cash bill payments accepted at Walmart, CVS, Dollar General, and more.
How can Paymentus help elevate your customer experience and increase your NPS or J.D. Power satisfaction scores?
For borrowers, Paymentus delivers a superior overall repayment experience with digital options, intuitive UX/UI and impactful payment notifications, so borrowers are more likely to rate their experiences favorably and pay on-time regularly.
For staff, processes and visibility are greatly improved, including:
Does Paymentus integrate with major lending platforms?
Yes, the Paymentus solution integrates with leading providers that include Oracle Financial Lending and Leasing (OFLL), Megasys and more.
How does Paymentus monitor fraud?
As a Level 1 PCI certified service provider, Paymentus offers an AI-powered solution to detect anomalies, flag suspicious transactions, interdict as needed, and minimize false recurring transactions through real-time data analysis and monitoring, mitigating risk and giving a greater peace of mind to your customers.
Do we need to manage multiple systems or vendors for different payment channels (web, mobile, IVR, etc.)?
The Paymentus solution is a single-vendor, unified platform that manages all payment methods for the organization, eliminating the need for direct contracts with individual providers. This eliminates system fragmentation, ensures a consistent customer experience, and simplifies your operational overhead, administration, and reporting across the entire ecosystem.
Let's talk! Some of the largest names in auto finance are benefitting from the Paymentus solution, and you can too. Contact us to see how we can put your organization in the fast lane to more on-time payments and greater borrower satisfaction
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