EFT Offering for Financing Providers

EFT Offering for Financing Providers

Kapcharge – Seamless, secure, and scalable payment solutions for today’s businesses.

From high-volume transactions to recurring payments, we simplify complex payment flows with a flexible, all-in-one platform built for reliability, security, and scalability.

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Use our cost-savings calculator and get your personalized savings report based on your current payment volume, delivered instantly.

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Consumer Financing

Business Financing

Private Mortgages

Pain Points Solved

  1. High payment failure rates → Smart retries & account validation
  2. Slow settlement times → Faster EFT processing
  3. Complex system integration → Straightforward APIs
  4. Fraud & chargebacks → Bank verification, fraud detection, and velocity checks
  5. Manual reconciliation → Automated reporting, alerts, and real-time dashboards
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Why Businesses Choose Kapcharge

EFT Offering for Financing Providers
Industry-Focused Expertise
Designed for lending, financial services, fintech, and complex payment environments, Kapcharge understands the nuances of regulated and fast-moving industries.
All-in-One EFT Payment Platform
From initiation to reconciliation, our platform handles the full payment lifecycle — including smart retries, mandate management, and real-time tracking.
Faster Settlement Options
Quicker funds with same-day or next-day EFT settlements, helping businesses maintain strong cash flow and reduce delays.
Seamless Integration
Robust APIs and webhooks make it easy to integrate with your existing systems, whether it's a loan management system, CRM, or proprietary software.
Built-In Compliance Tools
We help you comply with Canadian payment regulations and network rules.
Advanced Fraud Prevention & Risk Controls
Transaction monitoring to help prevent fraud, payment failures and unauthorized transactions.
Dedicated Support & Onboarding
We provide hands-on onboarding, personalized configuration, and responsive customer support — so you're never left navigating complex payment systems alone.
Flexible Pricing & Custom Workflows
Our straightforward fee structure allows for efficient reconciliation.
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Use Cases and Success

Consumer Financing

  1. Automated recurring EFT payments increased on-time repayment rates.
  2. Account validation reduced failed transactions and improved borrower approval accuracy.
  3. Smart debit scheduling and automated NSF handling cut payment failures.
  4. Lenders saw faster funding cycles and improved customer retention.
34%

AVERAGE REDUCTION IN PAYMENT FAILURES

Business Financing

  1. Custom EFT workflows streamlined bulk disbursements and collections, reducing manual processing time.
  2. Real-time reporting enhanced portfolio oversight.
  3. Daily EFT debits aligned with revenue-based repayment models, enabling consistent cash flow tracking.
  4. Return alerts and velocity controls helped reduce exposure to defaults.
53%

AVERAGE REDUCTION IN PROCESSING TIME

Private Mortgages

  1. Recurring EFTs simplified installment collection and reduced missed payments.
  2. Compliance tools ensured transparent, audit-ready payment records for all stakeholders.
76%

AVERAGE REDUCTION IN MISSED PAYMENTS

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Core Features & Capabilities

1. Direct Bank Account Debits & Credits
2. Recurring Payments Scheduling
3. Smart Retry Logic for Failed Transactions
4. Real-Time Account Validation
5. NSF (Non-Sufficient Funds) Handling

6. Same-Day / Next-Day Payment Options
7. Robust API Integration
8. Compliance & PAD Management
9. Advanced Fraud Detection & Risk Controls
10. Real-Time Reporting & Reconciliation Tools

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