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.

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.

Comprehensive Fund Disbursement Options

Deliver funds the way your borrowers want them—fast, secure, and flexible. Usio supports every major disbursement rail:

ACH: Cost-effective and reliable for large volume payouts
Real-Time Payments (RTP): Instant transfers to eligible bank accounts
Push-to-Debit (PINless Debit): Send funds directly to borrowers’ debit cards—no PIN needed
Remotely Created Checks (RCCs): perfect for debt repayment
Usio Card Issuing: Issue branded cards for rapid, reloadable disbursements. Available in digital and physical cards
Digital Wallet Integration: Enable seamless transfers to Venmo and Paypal

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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

Built for Alternative Lenders

The Usio platform is built with flexibility to support a wide range of lending models—including:

Personal & Installment Lending
Business Lending & Working Capital
Point-of-Sale Financing
Buy Now Pay Later (BNPL)
Merchant Cash Advances

Account Validation & Fraud Prevention

Avoid costly returns and fraud with advanced security tools:

Real-Time Account Validation
Micro-deposit Verification
Bank Ownership Confirmation
Prenotes for account readiness testing

Secure & Compliant by Design

Security and compliance are non-negotiable. Usio is PCI Level 1, HIPAA, and Nacha Certified, ensuring all sensitive borrower data is protected and compliant with industry regulations. From data encryption to fraud prevention, we deliver security at every layer.

Easy API Integration

Our modern, RESTful API makes integration fast and flexible—so your dev team can stay focused on building your lending experience, not piecing together a payments stack. And with Usio, you gain access to direct, in-house support from our U.S.-based development and service teams.

Additional Payment Resources

Behind the Bill: How Utility Providers Are Modernizing Customer Experience

How Faster Payouts Create Stronger Partnerships

The Power of Prepaid: A Smarter Way to Disburse Funds

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.

Usio Success Stories

Credit Union Alternative Lending Solutions

View Success Story

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?