Payment Processing Platforms for Lenders
Revolutionize your payment acceptance ability, empowering you to remain compliant while offering a streamlined and accessible service.
Manage Push and Pull Payments
What Are Push Payments?
Push payments are an efficient way to transfer funds where the payer initiates the transfer directly to the payee's account. Paydium provides a secure and affordable push payment solution with continuous monitoring.
What Are Push Payments?
Pull payments allow the payee to withdraw funds automatically from the payer's account, reducing fraud and errors. Paydium offers secure automatic payments with real-time unauthorized transaction prevention.
Push Payment Processing Features
Unlock rapid, streamlined payment processing while improving cash flow and reducing delays, fraud, and chargebacks.
Push-to-Card Instant Funding
ACH Credit
Real-Time Payments
Push-to-Card Instant Funding
Get funds into borrowers' hands in seconds, enabling you to compete with companies with retail distribution facilities, and allowing you to attract more clients than ever before.
Instant Loans
A Win-Win Solution for Lenders and Borrowers
Benefit from same-day fund disbursements. For borrowers dealing with urgent situations like an unexpected breakdown or needing funds during non-business hours, waiting for the next business day isn't feasible. With Paydium, small-dollar and short-term loans provide immediate financial relief to underserved borrowers who need swift fund access
Put Funds Directly Into Customer's Bank Accounts
Stand out from the crowd by providing immediate funding directly to your borrowers' bank accounts upon loan approval. This instant service:
- Provides a significant competitive advantage
- Increases loan origination rates
- Attracts more prospects
- Fills your sales funnel rapidly with high-quality leads
- Gives borrowers real-time instant funding
Why Choose Paydium's
Push-to-Card Payment Solution
Paydium provides several key benefits to streamline your lending process and enhance customer satisfaction.
Ease of Integration
The Paydium platform seamlessly integrates into your existing application process, requiring borrowers to provide only their debit card number and expiration date for swift loan approval and fund disbursement.
Immediate Disbursement
Upon loan approval, funds are immediately transferred to borrowers' bank accounts via their debit card. Alternatively, funds can also be disbursed via a new, prepaid debit card.
Card Compatibility
Paydium supports virtually all card types, including Visa and Mastercard, prepaid, reloadable, and check cards, thereby accommodating a wide range of customer preferences.
Extensive Network Connections
The platform offers multiple routing availability methods and connections to all major U.S. Electronic Funds Transfer (EFT) networks, ensuring widespread coverage and reliable fund transfer.
Customizable Borrower Experience
With Paydium's simple, API-driven solution, you can tailor the borrowers' application experience, making it easy and cost-effective to capture additional market share.
Instant Funding
Paydium offers the ability to provide instant funding, immediately depositing directly to your borrowers' bank accounts upon loan approval.
Affordable ACH Payment Processing
Low Fees
Automated Online Payments
Improved Service
Take your ACH payment processing capabilities up a notch with Paydium. Instead of relying on over-the-phone or manually-intense processes, our sophisticated system empowers you to easily make instant ACH payments online.
Improve efficiency, enhance customer service, and reduce your staffing costs by automating the ACH Credit process with Paydium.
RTP
(Real-Time Payments)
- Credit Card-Only Application
- Rapid Payment Distribution
- More Borrower Conversions
Empower borrowers to apply for funding using only their credit card information with the promise of real-time funding and instant distribution.
Paydium empowers lenders to overcome everyday challenges such as borrowers not knowing their bank account details, enabling you to pay efficiently and encouraging borrowers to complete their applications in one visit.
Pull Payment Processing Features
Reap the rewards of reliable and secure automatic payments and real-time monitoring, ensuring lenders get paid on time while reducing the risk of fraudulent activity.
Debit & Credit Card Acceptance
Debit & Credit Card Processing
ACH Debit
Debit & Credit Card Acceptance
24/7 Automated Payment Processing
Securely process your borrowers' credit and debit card payments at any time with an all-in-one platform, enhancing transaction efficiency.
Competitive Rates and Flexibility
Experience maximum flexibility with the most competitive rates in the industry, powering revenue growth while reducing costs.
Fraud Prevention
Leverage innovative, patent-pending technology to increase payment approval rates and filter fraudulent transactions, minimizing financial risks and improving debt recovery.
Improve Customer Satisfaction
Align with borrowers' increasing preference for debit card payments, resulting in improved satisfaction, customer loyalty, and enthusiastic word-of-mouth recommendations.
Debit & Credit Card Processing
Easily process debit and credit card payments in person or online, giving you access to a new and secure revenue stream while paying some of the lowest rates in the industry.
- Seamless and instant transactions
- A stress-free check-out experience
- 35% higher than average acceptance rate
- Thorough fraud control measures
- Customizable features and interface for streamlined LMS integration
Lenders Using Paydium for Payment Processing
A wide variety of lenders trust Paydium to process their credit and debit card payments. These include:
- State-licensed lenders
- Tribal lenders
- Brick-and-mortar lenders
- Storefront lenders
- Marketplace lenders
- Installment lenders
- Online lenders
- Loan servicers
- SME/SMB lenders
- Financial wellness firms
- Income advance providers
- Currency exchanges
- Check cashing centers
- Bill payment services
- MTL businesses
- Digital & mobile banking apps
ACH Debit
Securely and automatically collect payments from customers’ bank accounts via credit and debit cards, allowing you to easily get paid efficiently and on time.
Avoid Costly Return Fees
Reduce ACH returns and evade unnecessary expenses using our real-time Fund Verification Tool, ensuring efficient and full fund reception
Receive ACH Payments 24/7
24/7 online ACH loan payments with customization options, promoting consistency in cash flow and enhanced borrower experience.
Integrate with POS and LMS
ACH processing with options for API integration, standalone usage, and customizable reporting across multiple platforms.
Pioneering the Future of Debt Repayment
Join us on our mission to redefine the future of lending payment solutions with our innovative merchant services platform.
