Bridging the Gap Between Speed and Efficiency in Lending

AptPay's Lender Payment Processing Solutions

Industry Information

Rapid Disbursement: The New Standard in Lending

According to a survey by PYMNTS, 75% of consumers expect to receive their loan disbursements within two hours or less, and 40% expect to receive them instantly 

The survey also revealed that 69% of consumers would be more likely to use a lender that offers faster disbursements.

Speed Wins Customers in the lending industry


Solutions You Can Rely On for Every Transaction

Seamless and Secure Money Movement in the lending industry


Fast loan disbursement and payment solution 

  • Enables near real-time disbursement of loans to borrowers. 
  • Supports loan disbursements and credit line access use cases.
  • Scalable Solution
  • Beneficial for urgent disbursements where speed is critical
  • Round-the-Clock Availability 
  • Seamless Integration

Auto Deposit (EFT or ACH Credit)

Cost-efficient, bulk loan processing and repayments 

  • Cost-Effective Transactions 
  • Funds are deposited directly into recipients’ bank accounts
  • Bank-to-bank transfer
  • Efficient for processing large volumes of transactions simultaneously 
  • Wide Banking Network Accessibility 
  • Traceable and Auditable 
  • Enables faster funds transfer compared to traditional paper-based methods

Direct Debit

Automated, reliable loan repayment and fee collection 

  • Automatically debit loan repayments and insurance premiums. 
  • Simplify the process of refinancing repayments
  • Bank-to-bank 
  • Flexible


Accelerate Lending Success with Streamlined Payment Solutions


Streamline Operational Efficiency

Experience faster and more convenient payments for both borrowers and lenders. This efficiency significantly reduces the risk of late fees, penalties, or defaults, ensuring smoother financial operations and customer relations.


Reduced Operational Costs

Switch to a more sustainable model by eliminating the need for paper checks and manual processing. Our solutions lower operational costs and reduce environmental impact, making your lending practice eco-friendlier and more cost-effective.


Improve Cash Flow Management

With faster transaction processing and automated repayments, lenders experience improved cash flow management. This enhanced liquidity allows for better financial planning and reinvestment opportunities.


Reduce Risk and Fraud

Implementing advanced payment technologies helps in minimizing the risk of fraud and defaults. Secure and efficient transaction methods offered by AptPay ensure a safer lending environment, both for lenders and borrowers.


Boosted Customer Satisfaction and Loyalty

Offer your customers more payment options, flexibility, and convenience, including faster access to funds. Such enhancements in service lead to increased customer satisfaction and long-term loyalty.


Lending Grade Solutions

Simple Integration

Connect seamlessly through API Integration or Web Portals to any payment rail, providing you with flexibility, control, security, and speed.

Real Time* Money Movement

Accept or Disbursement Funds in Real Time*. Funds can be instantly deposited into accounts and made available for immediate use.

Security & Stability

Best-in-class Security & Compliance capabilities for Managing Regulatory, Financial and Fraud Risk. Mastercard and Visa Certified.

Risk Management

Provides real-time Visibility and multi-level Transaction Controls. Including Transaction limits, Velocity controls, plus the ability to Approve or Reject a Payment.