Instant Funding

Instant Funding

Fast Funds. Realtime Results.

There’s no time like the present. That’s why we’ve developed Instant Funding technology that immediately pushes funds to your customers’ debit or prepaid cards! Utilizing REPAY’s payment platform with Visa® and Mastercard’s® reliable global network and distribution systems, we currently support over $50M in customer funding each month. Using our years of experience, we help you deliver fast, convenient, and secure funding experiences that will set your business apart from the rest.

Our clients have reported as much as a 25% increase in repeat business volume due to the ease of applying for and funding the loan directly to the customers' debit or prepaid cards!

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An Innovative Funding Experience

Instant Funding provides a better, more customer-friendly funding process that removes the friction and processing delays associated with traditional fund disbursements.

From the initial debit or prepaid card transaction, the data is automatically validated, securely tokenized, stored, and funded. Funds are typically available for use within 30 minutes of the transaction, but most customers report receiving funds within five!

Once the card is tokenized and securely stored, the entire process can quickly be repeated for future fund disbursements or payments from your recurring customers, further increasing their satisfaction and eliminating costly and inconvenient delays.


There is no need to issue checks or submit ACH transactions for funding, eliminating the need for customers to wait days for funds to clear. Funds are typically available for use within thirty minutes, and the funding network is available 24/7/365.

Data Insights

Access realtime insights into transactional data and activity. Our data is readily available in easy-to-read reports, so reconciliation is stress-free and straightforward.


A completely digital experience, transactions are processed in real time, and the quick transaction flow allows for fast fund distributions. You can even establish transaction limits to help control risk and prevent fraud.


We support you with dedicated implementation services, ongoing training, and 24/7/365 customer service. We’ll also help you handle processing exceptions and manage risk throughout our partnership.

We genuinely feel like we have arrived at the future. Our payments are now at 80% via debit card, and we anticipate that our new and repeat loan volume will continue to increase with the convenience of Instant Funding. We can now operate more efficiently and effectively, improve our cash flow, and delight our customers, all with the help of the innovative solutions from REPAY.

– Rob Robinson, CEO, Walters Management Co.



Our proprietary, PCI compliant gateway and virtual vault securely processes and stores card information for funding and payment purposes. We work constantly to help you maintain compliance and meet security regulations, and we have a team dedicated to identifying and fighting fraud.


With other providers, you can't always depend on the service your business deserves. We have the industry's most advanced online reporting capabilities as well as error checking and audit research. And thanks to our strong and long-lasting bank partnerships, we guarantee redundancies, so you can rest assured there’s a bank behind every transaction.


Our 24/7/365 customer service will assist you with every aspect of the Instant Funding program, including initial onboarding, training, reconciliation, risk mitigation and billing.