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LoanPay Xpress

LoanPay Xpress solution delivers an all-in-one, multi-channel, mobile optimized platform for payment acceptance. Provide borrowers of all types with a quick and easy method for making their loan payments from any outside checking/savings account or credit/debit card. Reduce paper check handling, decrease your in-bound call volume and automate your back-end ACH payment posting. All payments post directly to the individual loan account via ACH as early as the next business day, eliminating the need for manually posting credit. As an alternative, a daily payments file can be imported to your core system for manual posting of same-day credit.


Online Web-Hosted & Mobile Payments

  • An efficient method for borrowers to self-manage their loan payments via secure Internet connection.
  • By clicking an access link on your financial institution’s website, borrowers are transferred to our secure payment site.
  • An optional payments due file can be uploaded via automated SFTP to prevent invalid transactions and provide a more user-friendly payment experience.
  • Generous feature controls and options that allow each institution to custom tailor for their specific needs.
  • Rebranding with your financial institution logo and product naming is encouraged.
  • Pay multiple accounts in one session.

Pre-Authorized Recurring

  • Offer your borrowers an automated payment plan at the loan closing
  • Originated by your financial institution staff and can be managed and updated from the back-office administrative portal at any time
  • Simplify your ACH management by consolidating both new and existing pre-authorized originations to one system

Call Center & Collections

  • For fast payment entry and immediate credit/debit card funds authorization
  • Several easy-to-use payment features for use in a call center or collections environment
  • Help lower your delinquency ratio and collect payments instantly

Touch-Tone Phone IVR

  • Alternative to online web-hosted payments, a perfect fit for borrowers without regular internet access
  • Integrated as a touch-tone menu option within your phone banking channel

In-Person & Virtual Terminal

  • Service your in-person payment requests at all branch levels, at the teller counter
  • A quick and cost effective means to obtaining loan payment funds, replacing your cash advance terminals
  • Authorized as a sale transaction, often eliminating costly cash advance fees
  • Functions with slimiline card swiper, or key entry into the web-hosted Virtual Terminal interface

mConnect API

  • Seamless user-experience with integration to your online or mobile banking platform
  • With several API options, we are eager to work with any solution provider to provide your desired level of integration
  • Ranging from single-sign-on, tokenization, fully integrated experience and more