Payment Solutions For

Lenders

Powering Loan Disbursements, Repayments & Reconciliation with One Platform

Lenders need speed, security, and seamless integration when it comes to moving money—and that’s exactly what Usio delivers. Whether you’re a traditional lender or part of the fast-growing alternative lending space, our end-to-end payment technology helps you streamline disbursements, accelerate repayments, and elevate your borrower experience.

ACH & Embedded
Payments Built for Lending

Usio makes it easy to embed payment functionality directly into your lending platform through our developer-friendly API. Automate loan funding and repayment using our powerful ACH platform—backed by our Nacha Certification, ensuring full compliance and the highest level of ACH network standards.

Usio ACH Highlights

Efficient Disbursements for Every Borrower

Deliver funds quickly and securely with multiple options including ACH, RTP, and push-to-debit.

Accelerated Repayments Made Simple

Set up recurring payments and automate collections with real-time account validation and reconciliation tools.

Robust Security and Compliance Standards

Rest easy with PCI Level 1, HIPAA, and Nacha certified protection built into every transaction.

Seamless Integration with Your Lending Platform

Our RESTful API and in-house dev support ensure fast, flexible implementation tailored to your stack.

Flexible Disbursement Options

Distribute funds via ACH, RTP, Push-to-Debit, RCCs, cards, or even PayPal/Venmo—whatever your borrowers prefer.

Built for Every Lending Model

Support personal loans, BNPL, merchant cash advances, POS financing, and more—all on one platform.

Advanced Account Validation and Fraud Prevention

Use tools like micro-deposits, prenotes, and ownership confirmation to reduce fraud and failed transfers.

Full ACH Toolkit with Developer Support

Same-day and next-day ACH, automated repayments, and full reporting—plus direct access to real engineers.

Additional Payment Resources

From Paper to Payment in a Click: How Usio’s eBilling Solution Makes the Transition Fast, Simple, and Smart

The Future of Government Payments and the Rising Importance of Electronic Disbursements

How Buy Now Pay Later Affects Business Cash Flow

Why Lenders Choose Usio:

Usio is an all-in-one payments platform designed for both funding and collections, offering multiple disbursement options—including Real-Time Payments and PINless Debit. With Nacha Certification and built-in account validation and security features, it ensures compliance and protection at every step. Seamlessly integrating into any lending stack, Usio also provides dedicated, 5-star rated support from real people—not bots.

Let’s Build Something Big Together

Join the lenders who trust Usio to streamline payments, increase efficiency, and grow their business. Ready to embed smarter payments into your lending platform?