Make Loans Easier To Pay — and They Will
Orbipay Loan Payments helps banks and credit unions deliver seamless, self-service payment experiences that accelerate receivables, reduce costs, and boost borrower satisfaction—all within one configurable, cloud-native platform.
Challenges
Outdated Loan Payments Are Holding You Back
Borrowers expect simple, digital-first ways to pay their loans. But many institutions still manage payments across disconnected systems that add friction, increase cost, and strain staff. Common pain points include:
Legacy loan payment platforms that limit flexibility and change
Disparate reporting silos that require manual reconciliation
Limited and outdated payment methods
Rising servicing costs due to call center overuse
Scale Your Lending Portfolio Without Increasing Overhead
The estimated reduction in overall payment processing costs with Orbipay Loan Payments
of loan applicants say text communication capabilities are important when interacting with lenders
The share of consumers who use automatic payment at due date to pay recurring monthly bills
of bills are paid as one-time payments
Solutions
Modern Loan Payments That Lower Costs and Keep Borrowers Paying On Time
Orbipay Loan Payments replaces legacy, batch-based loan payment systems with a modern platform built specifically for banks and credit unions. Designed to improve data visibility, expand payment options, and reduce operational burden, it simplifies how loan payments are accepted, managed, and supported—without disrupting your core systems.
Deliver e-bills seamlessly and accept bill or loan payments from users with easy access to the payment channels, payment types, and payment methods they expect.
Payment Channels
- Mobile
- Web
- IVR
- Agent
- Walk-In
- AI Chatbot
Payment Methods
- ACH
- Credit (where permitted)
- Debit
- Cash
- Check
- Apple Pay / Google Pay
Payment Options
- One-Time
- Recurring
- AutoPay
All The Channels You Need In One Platform
With our single, unified platform, we offer consolidated services and features so that you can deliver exceptional payment experiences to your consumers.
Key Capabilities
Empowering Your Servicing Teams: A Unified Staff Experience
Modernizing loan payments isn’t just about the borrower—it’s about removing the operational friction that slows your team down. Orbipay Loan Payments provides your staff with the tools they need to provide exceptional service without the unnecessary manual work.
Consolidated Admin Console:
Replace fragmented systems with a single administrative view of all loan activity across every channel.
Real-Time Resolution:
Access bidirectional core data to see exactly what the borrower sees, allowing for immediate answers without waiting for batch updates.
Frontline Support Tools:
Provide staff with one-click capabilities to manage guest payments, set up recurring schedules, or process refunds and voids.
Reduced Onboarding Time:
Accelerate proficiency with a modern UI designed for the specific workflows of banking professionals.
Automated Back-Office Logic:
Decrease manual data entry and exception handling through intelligent routing and automated posting.
Secure Servicing Environment:
Maintain institutional control with role-based access and full audit trails for every staff action.
Calcualate how much your FI can save by modernizing your loan payments solution
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Value
Why Orbipay Loan Payments?
Keeping what you have often costs more than changing it
Most loan payment platforms are extensions of bill pay or core tools—limited in flexibility and slow to evolve. Orbipay Loan Payments was purpose-built for banks and credit unions to support the complexity of real-world loan servicing. What sets Alacriti apart:
- Real-time loan data retrieval and posting—not batch-based processing
- Deep integrations that make paying from external accounts as easy as internal transfers
- Guest Pay, Recurring payments, and multi-channel access built in
Key Capabilities
Seamless Loan Payment Experiences for Borrowers and Staff
Core System Integration:
Integrates seamlessly with major core banking platforms.
Real-Time Posting:
Retrieve balances and post payments instantly.
Reporting & Visibility:
Give staff a single view of all loan payments, regardless of channel.
Customer Care Tools:
Enable staff to access profiles, history, and actions.
Self-Service Borrower Portal:
Support One-Time and Recurring payments with easy management.
Digital Outreach:
Automated reminders that help borrowers pay on time.
Business Impact
The Business Case for Modernizing Loan Payments
Lower Servicing Costs
Faster Cash Flow
Improved Operational Efficiency
Better Borrower Satisfaction
Increased Digital Adoption
Stronger Compliance & Control
Customer Perspectives
Our Customers Are Using Orbipay Loan Payments for Loans Such As:
Saves $10,000 Monthly in Call Center Costs
Customer
Addition Financial Credit Union
Industry
Credit Union
Frequently Asked Questions
How does Orbipay Loan Payments help reduce delinquency?
Orbipay Loan Payments supports proactive digital outreach, including automated email and text reminders sent before, on, and after due dates. Institutions can prompt borrowers to pay at the right moment—before accounts fall past due—making it easier to stay current and reducing reliance on late-stage collections activity.
Do borrowers need to enroll or log in to make a payment?
No. In addition to enrolled experiences, Orbipay Loan Payments supports guest payment options that allow borrowers—or third parties—to make secure payments without enrolling in online banking. Features like secure payment links and QR codes remove friction while still ensuring accurate account posting
How does real-time posting work?
When a borrower makes a payment, Orbipay Loan Payments retrieves the current loan data and posts the payments back to the core in real time. This eliminates batch delays, reduces posting exceptions, and ensures borrowers immediately see payments reflected on their loan accounts
Can Orbipay Loan Payments integrate with our existing systems?
Yes. The solution integrates with leading core banking and digital banking platforms using real-time APIs. This allows institutions to modernize loan payments without replacing their core or disrupting existing workflows
Related Resources
Let’s Talk About Your Loan Payments Strategy
See how Orbipay Loan Payments helps banks and credit unions reduce servicing costs, improve on-time payments, and deliver modern, self-service loan payment experiences.
