LENDING MERCHANT ACCOUNT
Lending Merchant Account for consumer, SMB and specialty lenders
Payment infrastructure for lenders — origination fees, repayments, BNPL settlement — with acquirers who understand the credit lifecycle.
OVERVIEW
Advisory built for regulated financial operators
Lending flow is complex: split disbursements, recurring repayments, prepayments, defaults. We build a payments stack around your product — not the other way around — and match you with acquirers licensed to process credit-related transactions.
- Consumer credit and personal-loan platforms
- SMB and revenue-based lenders
- BNPL and split-payment operators
- Auto and asset-finance lenders
- Payday and short-term credit (jurisdictions permitting)
- Peer-to-peer and marketplace lending
Cross-border acquiring view
ADVISORY
Global
NETWORK
Curated
ENGAGEMENT
NDA
CAPABILITIES
Everything a financial merchant needs
Loan origination fees
Card and ACH acceptance for origination, servicing and admin fees.
Repayment rails
Card, ACH, SEPA and open-banking direct debit repayment flows.
Recurring retries
Intelligent retry logic and account updater to minimise failed repayments.
Split disbursement
Multi-party payouts to borrowers, brokers and affiliates.
Delinquency tooling
Dunning, promise-to-pay and collections integrations.
Regulatory reporting
APR disclosure integration and jurisdiction-specific settlement reports.
COMPLIANCE
Advisory aligned with regulated finance
We work with acquiring, PSP and gateway partners licensed across major jurisdictions, and structure your payment stack against the compliance realities of your sector.
- Alignment with FCA CONC, CFPB, EU consumer credit directives
- APR and total-cost-of-credit disclosure surfaced at checkout
- Segregated repayment accounts where required
- Vulnerable-customer safeguards integrated into repayment flows
ADVISORY / CONSULTATION
Build a payment infrastructure your business can actually rely on.
Speak with a NexoraPay Financial advisor about merchant acquiring, gateway architecture and cross-border payments for your Forex, Crypto or regulated financial business.