Your members expect fast, mobile, and easy—especially when it comes to payments. MessagePay helps you meet that expectation with secure text-based payment tools that still feel personal, branded, and human.
A better way to collect payments.
Most payment tools were built for yesterday. This one wasn’t.
MessagePay replaces outdated, clunky workflows with something faster, easier, and actually built around how people use their phones. No apps to download. No portals to log into. Just a better way to get paid, and less work for your team.
For Credit Unions
Built for the way your members already engage
- Seamless experience that reflects your credit union’s brand
- One-tap payments that increase on-time responses
- Fewer overdue accounts and less collections follow-up
- Integrated with your core so staff aren’t stuck doing manual updates
For Banks
A better experience for your customers—and your team
Give your customers a fast, simple way to make payments right from their phone, without adding more complexity to your operations. MessagePay integrates directly with your core so payments post instantly and securely, reducing manual work and improving accuracy.
- Provide a payment option that customers will actually use
- Reduce call volume and time spent on routine payment issues
- Improve on-time payments and cash flow
- Free up your team to focus on higher-value tasks
A better experience for both sides of the equation
What’s good for your members should also work better for your team. MessagePay improves both.
For Your Team
Fewer calls. Faster collections. More time.
When payments are simple, support volume drops. Your team spends less time walking people through logins or fixing errors and more time on what actually moves your business forward. MessagePay fits into your existing systems without adding more tools to manage.
For Your Members
No apps. No portals. Just one text and done.
Give your users a payment experience that feels effortless. MessagePay works how people already live—on their phones, on their time. Payments take seconds, reminders feel personal, and the entire experience carries your brand, not a third party’s.
Powerful on the inside. Simple on the outside.
I’s a full platform designed to improve how payments flow for everyone involved. Here are three areas where it makes an immediate impact.
Smart Messaging and Reminders
Send timely, compliant messages that feel personal, not generic. From custom payment reminders to proactive nudges before a due date, you stay connected in a way that actually drives action.
Branded, Mobile-Friendly Experience
No logins, no apps, no confusion. Members and customers get a clean, secure interface that carries your colors, your voice, and your trust—right from a text message.
Admin Tools and Core Integration
Your team gets a live dashboard with full visibility. See every interaction, track payments, and work more efficiently with real-time updates that flow straight into your core.
Still have questions? Let’s make this easy.
Here are some of the top questions we get from teams exploring how to improve payments, collections, and support.
How does MessagePay actually work?
MessagePay lets your members or customers receive a personalized text message with a payment reminder. From there, they can tap a secure link to pay or—if their payment info is saved—just reply “yes.” The payment posts in real time, and your core system is automatically updated.
There’s no app to download, no portal to log into, and no need to call. It’s fast, simple, and fully branded to feel like an extension of your institution—not a third-party tool.
Will this reduce call volume or just add another channel to manage?
This is one of the biggest reasons institutions make the switch. Banks and credit unions using MessagePay have seen support calls drop by as much as 25 percent, with some reporting thousands fewer calls per year. When payments are intuitive and self-serve, your team gets time back—and your members get fewer reasons to call in the first place.
It’s not about adding another tool. It’s about removing unnecessary friction from the process.
How does MessagePay integrate with our existing systems?
We built MessagePay to integrate directly with your core processor. That means real-time data exchange, no batch delays, and no disconnected workflows. Institutions using platforms like Fiserv’s Portico have already seen how smooth this connection can be.
Setup is fast, with full support from our team, and you don’t have to overhaul your tech stack to get started.
What kind of lift does this require from our staff?
Very little. Most teams are up and running in days, not months. We work with you to configure the platform, create message templates, and connect to your systems. Once it’s live, admins get a clean dashboard to monitor activity, but most of the process runs automatically.
Collections teams especially love how much MessagePay removes from their plate without sacrificing control.
How secure is this? Are there compliance risks with texting payments?
MessagePay is fully compliant with TCPA and built with security from the ground up. Every message sent on your behalf is customized, consent-based, and aligned with industry standards.
We also don’t rely on redirects to random payment portals. Users stay in a controlled, encrypted environment that’s linked directly to your institution.
What kind of results are other institutions seeing?
Real ones. Credit Union of America saw a 178% increase in payments processed and a 25% drop in call volume. LAFCU experienced an 89% reduction in late payments and a 733% increase in self-service loan payments. Voyage FCU doubled their monthly payments in less than a year.
If you’ve been trying to get more members or customers to pay on time, without burning out your staff, this is exactly what it was built for.
See the impact in real life
How banks and credit unions are using MessagePay to simplify payments and reduce support load.
See how easy it is to simplify payments and reduce the work for your team
Get a one on one demo and see exactly how MessagePay works, from the first text to the final payment. We’ll walk you through the full experience, answer your questions, and show how it fits into your current system without the usual complexity.
