Repay: A Comprehensive Payment Gateway for Modern Businesses

Repay is a full-service payment gateway that empowers businesses to streamline both incoming and outgoing payment flows through flexible, secure, and integrated solutions. Designed for organizations looking to simplify operations while improving cash flow and customer experience, Repay supports a wide range of industries and payment use cases.

Whether you operate in automotive, healthcare, education, or government services, Repay offers tailored payment processing capabilities that help reduce costs, increase efficiency, and ensure regulatory compliance.

Key Features of the Repay Payment Gateway

1. Omnichannel Payment Acceptance

Repay allows businesses to accept payments across multiple channels, online, in-person, and via mobile, giving customers the flexibility to pay how they want. Whether it’s ACH, credit/debit cards, real-time payments, or text-to-pay, Repay makes payment acceptance frictionless.

Businesses can integrate Repay into:

• E-commerce websites

• Mobile apps

• Call centers

• Point-of-sale systems

• IVR (interactive voice response) platforms

This omnichannel approach ensures a unified payment experience while simplifying reconciliation on the back end.

2. Automated Vendor and Supplier Payments

Repay is not only a gateway for accepting payments, it’s also a powerful platform for automating outbound payments to vendors, suppliers, and service providers. With support for ACH, virtual cards, and push-to-card methods like Visa Direct, Repay helps businesses:

• Eliminate manual payment processing

• Reduce risk of errors and fraud

• Gain better visibility into accounts payable

• Speed up delivery of funds

Payment automation is especially valuable in industries like auto lending, insurance, and real estate, where recurring disbursements and reimbursements are standard.

3. Real-Time Clearing, Settlement, and Instant Funding

Repay stands out with its proprietary clearing and settlement platform, which offers same-day and real-time transaction processing. For high-volume businesses or Independent Sales Organizations (ISOs) and Payment Facilitators (PayFacs), this capability brings more control, transparency, and operational flexibility.

Through instant funding options, businesses can:

• Receive funds 24/7, including nights, weekends, and holidays

• Improve working capital management

• Accelerate settlement timelines

The gateway’s speed and efficiency make it a reliable partner for industries that demand fast turnaround, such as automotive financing and consumer lending.

4. Messaging and Notifications Management

With integrated messaging tools, Repay enables businesses to maintain timely and professional communication with their customers. From SMS payment reminders to automated email confirmations and billing notices, companies can engage users across the customer lifecycle.

These tools help:

• Reduce missed payments

• Improve customer satisfaction

• Increase on-time collections

Advanced messaging capabilities are especially beneficial for lenders, schools, healthcare providers, and municipal offices.

5. Robust Integration and API Capabilities

Repay is built with flexibility in mind. Its gateway can integrate seamlessly with core business platforms through open APIs and pre-built connectors. Supported systems include:

• ERP software (e.g., NetSuite, Sage Intacct)

• Accounting platforms (e.g., QuickBooks, Xero)

• CRM systems (e.g., Salesforce)

• Loan management platforms

• Property management systems

These integrations allow businesses to sync payment data, reduce redundant entry, and improve real-time visibility across departments.

Security and Compliance

Repay emphasizes security and regulatory compliance as foundational pillars of its platform. Businesses can rely on Repay to protect sensitive data and support compliance with industry regulations.

Key certifications and practices include:

• PCI DSS Compliance: The platform follows the Payment Card Industry Data Security Standards for secure card processing.

• Nacha Compliance: For ACH payments, Repay ensures adherence to Nacha operating rules and guidelines.

• Tokenization and Encryption: All payment information is tokenized and encrypted during storage and transmission.

• Compliance Management Certification: Repay has been certified by the Third Party Payment Processors Association (TPPPA), validating its operational controls and governance.

With fraud prevention tools and risk mitigation strategies in place, Repay enables businesses to process payments with confidence.

Industry Use Cases

Repay serves a wide array of sectors, delivering specific features that meet each industry’s needs:

Automotive

• Finance and lease payment processing

• Dealership management system integration

• Mobile checkout for service departments

Healthcare

• HIPAA-compliant patient billing

• Payment plans and financing options

• Contactless payment for medical offices

Education

• Tuition and fee collection for schools and universities

• Online donations for fundraising campaigns

• Event and registration payments

Government and Utilities

• Tax payments and fee collection

• Utility billing and disbursement automation

• Kiosk and self-service integrations

Consumer Finance and Lending

• ACH loan payments and credit card acceptance

• Disbursement of loan proceeds via instant funding

• Collections optimization and reporting tools

Business Benefits of Choosing Repay

Repay’s value proposition lies in its ability to streamline processes, reduce payment friction, and drive financial performance. Some of the key benefits include:

• Greater Operational Efficiency: Automating both accounts receivable and payable reduces manual work and improves scalability.

• Faster Access to Funds: Instant funding and real-time settlement options ensure liquidity and improved cash management.

• Enhanced Customer Experience: Offering multiple payment options and communication channels leads to increased satisfaction and retention.

• Improved Data Accuracy: System integrations reduce data duplication and manual entry, helping avoid costly errors.

• Built-in Compliance: By handling complex regulatory requirements, Repay helps businesses remain audit-ready.

Conclusion

Repay is more than just a payment gateway, it is a comprehensive payment orchestration platform designed to power the financial infrastructure of modern businesses. With omnichannel acceptance, vendor payment automation, real-time funding, and deep integration capabilities, Repay simplifies complex payment environments and helps businesses scale efficiently.