Trusted by leading lenders
One platform for money moving both ways
Send funds to borrowers and collect repayments without stitching together separate payment providers. Finix gives lenders flexible payout options, multiple ways to accept payments, and the tools to manage it all in one place.
Send funds faster
Choose from ACH and faster payout options to give borrowers access to funds when they need them.
Make repayments easier
Accept repayments by ACH, debit, Payment Links, or Virtual Terminal, with options for recurring and one-off payments.
Built around your business
Get a merchant account underwritten for your business rather than processing through a pooled account.
Know what you're paying
Get interchange-plus pricing instead of a flat, blended rate, so you can model the real cost of every loan.
Built for different ways to lend
Disburse loans in seconds
Give borrowers faster access to their money with flexible payout options. Send funds instantly to an eligible debit card or use ACH when cost matters more than speed.
Choose the payout method that works for your lending model and manage disbursements alongside the payments coming back in.
Give borrowers more ways to repay
Set up recurring ACH payments so borrowers can make scheduled repayments automatically from their bank account.
Set up recurring ACH payments so borrowers can make scheduled repayments automatically from their bank account.
Go live in 3 steps
From application to your first payout or repayment, Finix gives you API and no-code options for getting up and running.
Apply
Integrate
Launch
Manage lending payments in one place
See what's happening across payouts and repayments, manage day-to-day payment operations, and get the data you need to understand payment performance.
Know what you're paying
Lending moves money in two directions: sending loan proceeds out and collecting repayments back in. Finix prices each separately, so you can understand what you're paying on both sides.
Compare payment platforms for lending
Lenders need to send money as well as collect it. The way your payment provider is set up can affect account stability, pricing, and how easily you can manage both sides of the payment flow.
Finix direct processing | Payment aggregator | General-purpose processor | |
|---|---|---|---|
Account structure | Individually underwritten merchant account | Pooled account shared across merchants | Varies by provider |
Lending fit | Your business is assessed on its own risk profile | Higher-risk businesses may face additional reviews or holds | Lending requirements and policies vary |
Pricing transparency | Transparent interchange-plus pricing | Often flat-rate pricing | Flat-rate or interchange-plus |
Payouts and repayments | Manage payouts and payment acceptance with Finix | Payment acceptance may be the primary focus | Capabilities vary by provider |
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Loan payment processing FAQs
Finix gives lenders multiple ways to send loan proceeds, including ACH and faster payout options. You can choose the method that fits the transaction, using ACH when keeping costs down is the priority or faster payouts when borrowers need access to funds sooner.
It depends on how your borrowers prefer to pay and how your repayment schedule works. Finix supports ACH and debit payments, along with Payment Links for remote payments and Virtual Terminal for payments taken by your team. Recurring payment options can also make scheduled repayments easier to manage.
Finix supports instant payouts to eligible debit cards, giving lenders a faster way to send funds when speed matters. ACH is also available for disbursements where a lower-cost bank transfer is a better fit.
Neither is better for every transaction. ACH can be a good choice for scheduled repayments and lower-cost bank transfers, while debit can provide a faster or more familiar option for some borrowers. Finix lets you support multiple payment methods so you can choose the right rail for the transaction
No. Finix has APIs for lenders and fintechs that want to build payment flows into their own products, but you can also accept payments without a custom integration. Payment Links let you send borrowers a way to pay online, while Virtual Terminal lets your team take payments directly from the Finix Dashboard.