Auto & Consumer Finance

Drive more on-time payments and borrower satisfaction with next-gen electronic billing, presentment and payment experiences for consumer lending from Paymentus.

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Improve Loan Performance

Simplified Servicing for Prime and Non-Prime Lending

Increase borrower satisfaction through an inclusive payment platform that offers everything from traditional ACH to digital wallets and cash bill pay at Walmart. Borrowers also enjoy the flexibility to pay through their preferred channels including IVR, text, email, chatbot and more. Lenders can add further convenience with AutoPay and payment plan options.

Paymentus consumer finance options

Optimize Platform Performance

A Complete Billing & Payment Solution From a Single Vendor

Gain expanded payment methods, innovative payment channels and simplified reporting and reconciliation all in a single solution from one vendor. Paymentus gives lenders the power to quickly add new offerings and seamlessly integrate with your loan management system without the need for added gateways or contracts.


Leverage end-to-end capabilities that transform your borrower billing and payment experience.

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Optimized Customer Experience

Deliver a modern billing and payment experience that exceeds consumer expectations, reduces servicing costs and improves loyalty.

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Greater Payment Choice

We offer more payment options than any other provider – including popular digital wallets such as PayPal – so borrowers have the power to pay exactly the way they want, using the payment channel they want.

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Complete Security

Paymentus offers a holistic, PCI Level 1 Compliant solution that mitigates fraud and risk concerns by eliminating the need for added gateways and vendors.

Strategic Marketing Support

Go beyond the bill with complimentary marketing support that is proven to drive the adoption of new and cost-efficient payment choices.

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Impactful Reminders

Drive on-time payments with automated alerts and notifications sent directly to borrowers’ phones, email and text – whichever they prefer.

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Scheduling Convenience

Make it easy for borrowers to set it and forget it with intuitive scheduling and recurring payments through AutoPay and intuitive payment plans.

We are extremely impressed to have a vendor come back to us with what we wanted and more! With Paymentus, we will easily surpass our competition.”

– National Auto Finance Organization

Paymentus Best Class EBPP Vendor Report


Benefit from Best in Class Client Service & Product Features

Get an inside look at how Paymentus earned top scores for Client Service and Product Features, and how these capabilities can help you deliver an unmatched billing and payment experience.

Client Service Report Product Features Report

Paymentus How Americans Pay Bills Highlight


How Americans Pay Their Bills

This timely report offers the clearest view of the payment methods and channels preferred by borrowers – all to keep you ahead of the consumer trends and preferences driving today’s bill pay landscape.

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Explore Our Capabilities

Our unified platform delivers next-generation capabilities that are proven to accelerate revenue realization, simplify payment operations and improve the customer experience.

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Autopay Autopay

Give customers the ability to easily manage future payments. With outbound notifications and a user-friendly interface with plenty of options, we make more timely payments possible.

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Call Center & Secure Service® Call center and secure service

Patented, Level 1 PCI compliant technology protects phone-based payments. You’ll never have to worry about susceptibility to fraud or your employees interacting with sensitive banking information — we take care of it all with no additional equipment required.

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Paymentus engagement channel cash bill pay

Cash Bill Pay Paymentus cash bill pay icon

Add a new level of payment convenience for your cash-preferred and underbanked customers with cash bill pay. This unique capability is offered at thousands of locations nationwide, including Walmart and national grocery and drug store retailers, allowing you to accept cash payments where your customers shop most.

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Chatbot Chatbot

Our advanced AI and machine-learning capabilities make it possible to answer customer questions morning, noon and night. We’ll configure to your brand’s personality and your compliance requirements.

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Customer Communication Customer communication

With advanced notifications and alerts, you can reduce delinquencies by up to 50%. Deepen customer relationships — and ease fears of missing a payment — by reaching out via the channel they prefer, whether that’s voice, text or email.

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Disbursements Disbursements

Create efficiency for you and your customers. Our streamlined disbursements eliminate paper, costs and delays from check-based environments so you can simplify operations.

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EBilling & Presentment Ebilling and presentment

Our thoughtfully designed funnel can help even the most eBilling-resistant customer make the switch. Our user-friendly options accommodate all kinds of customer preferences, driving higher digital adoption rates. And when customers choose more convenient online options, you save significant money on postage and print.

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Mobile Mobile

Join the digital age with solutions for mobile-first customers that work across iOS and Android devices. With multiple options to pay by text, email or IVR, you can maximize adoption of your paperless services and more easily meet customers where they are: on their phones.

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One-Time Payment One time payment

Our one-and-done solution allows customers to instantly pay bills and access key information without creating an account. We integrate with your existing portal to improve customer satisfaction and increase timely payments.

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Pay-by-Email Pay by email

Email continues to be a dominant form of digital communication … and now customers can pay bills without exiting their inbox. We offer traditional bill-ready email that links to your site, as well as “Smart PDFs” that allow customers to pay within the PDF itself.

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Pay-by-Text Pay by text

Offer payments straight from your customers’ incoming messages. They’ll appreciate the convenience. You’ll appreciate fewer delinquencies and a shortened DSO. It’s a win-win that will reduce late payments while increasing customer satisfaction.

Learn More about Pay-by-Text

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Phone Payments & IVR Phone payments and ivr

Reduce calls to customer service with real-time, interactive voice response (IVR). Free up your staff while IVR answers common questions with the most up-to-date information at hand.

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Point-of-Sale & Kiosks Point of sale and kiosks

Kiosks make automated, unassisted payments easy. Our highly intuitive display can serve as an extension of your brand … and familiarize customers with a digital interface so that they’re eventually comfortable shifting to web and mobile payment options.

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Self-Service Portal Self service portal

Put your customers in the driver’s seat with a mobile-optimized portal that lets them manage their account more effectively. Our convenient services won’t just make bill payers self-sufficient … they’ll also reduce their calls to customer service.

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Ready to Put Your Collections Into High Gear?

Let's talk! We’d love to show how our eBilling can put your organization in the fast lane to more on-time payments and greater borrower satisfaction.