Solutions
Collect payments by text, email, phone, app, or QR code. Meet your customers where they are and get paid faster with less friction.
MessagePay is a loan and bill repayment platform that allows payers to make payments directly from a text message. No app to download, no account to create, no login required. Borrowers and customers receive a personalized SMS with a secure, individualized payment link. If a payment method is on file, they simply reply with one word and the payment posts in real time.
Los Angeles Federal Credit Union (LAFCU), a $1.2 billion institution serving over 75,000 members, implemented MessagePay to address the burden of manual loan collections.
"If there's one trick up your sleeve, if there's one automation, one product, one vendor, one solution, or one strategy that will help your organization in collections and you don't know one to use, I'm going to give you a very powerful one: It's called MessagePay."
Art Sookazian, Vice President of Special Services and Risk Management, Los Angeles Federal Credit UnionBeyond SMS, Disruptive Payments delivers a full suite of digital collection tools so businesses can reach payers through whatever channel works best for them.
Send personalized payment requests via SMS. Customers pay with a tap or a one-word reply. No app required. Ideal for recurring billing, overdue accounts, and appointment-based payments.
Deliver branded invoices by email with a built-in pay button. Customers click, review the amount, and pay in seconds. Reduces the lag between invoicing and receipt.
Automated phone payment collection for customers who prefer to pay by phone without speaking to an agent. Available 24/7, reducing call center load while keeping payment options accessible.
Generate a QR code that links directly to a payment page. Print it on invoices, receipts, signage, or packaging. Customers scan and pay instantly from their phone.
Branded hosted payment pages deployable in minutes. No custom development required. Ideal for campaigns, events, portals, or any situation where a dedicated payment URL is needed.
A full-featured mobile application available on iOS and Android for businesses that need to accept payments on the go. Includes reporting, reconciliation, email receipts, and surcharging.
Credit and debit cards are not the only way customers want to pay. Disruptive Payments supports a broad range of alternative payment methods and infrastructure tools to expand your acceptance capabilities and reduce processing costs.
Direct bank transfers for large ticket transactions, recurring billing, and B2B payments where card processing fees are not practical. Lower cost with reliable settlement times.
Pass credit card processing fees to customers in a fully compliant way across card-present and card-not-present environments, reducing your net cost of acceptance.
Accept Apple Pay, Google Pay, and tap-enabled cards across in-person and mobile payment environments. Faster checkouts and improved customer experience at the point of sale.
Issue single-use or multi-use virtual card numbers for vendor and supplier payments within an accounts payable automation program. Reduces fraud exposure and earns rebates on card spend.
Automated subscription and installment billing with tokenization and account updater functionality. Reduces failed payments and keeps recurring revenue flowing without manual intervention.
Automatically refreshes stored card credentials when a customer receives a new or replacement card, eliminating a common cause of failed recurring payments.
Contact our team to learn which mobile and alternative payment solutions are right for your business.
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