Auto Finance Payment Processing

Supporting Lenders to Collect More for Less

Drive greater collections, reduce customer calls and increase customer satisfaction by 25%1 with easier, more engaging auto loan payment experiences

Accelerate Auto Loan Payment Experiences

Add New Auto Loan Payment Options

Provide the auto loan payment methods Gen Y and Gen Z customers prefer while transforming your entire customer experience

  • Take payments within your call center while lessening your PCI-compliance burden
  • Reduce call time and volume
  • Accept convenient and fast debit card payments
  • Integrate with top collections partners and software providers
  • Give customers the ability to pay 24x7x365

One Solution, Tailored for Your Auto Finance Payment Processing Needs

ACI Speedpay

A convenient one-stop shop for recurring billing capabilities with traditional commerce options.

Lower Costs

Reduce charge-offs by 10%1 with a service that collects almost $2 billion of debt annually

Consistent Collections

Ensure consistent application of your collections policy, both in the call center and online


Scale instantly to respond to business and market needs


Minimize risk while increasing security and compliance

Raise Customer Satisfaction With Alternative Payment Methods

Provide your customers with a fast, simple and secure way to pay their loan and lease bills online through their favorite new ways to pay

Offer greater choice and flexibility with alternative payment methods such as Apple Pay, PayPal and Venmo*

Drive satisfaction by making it easy for customers to pay their premiums the same way they shop online

Create stickiness with convenient and popular alternative payments your customers increasingly expect

Integrate new payment options seamlessly to quickly offer innovative, secure and trusted payment options

“This is a huge win for both our customers and our company. The payment experience we offer is as seamless as our financing experience.”

Rob Nightingale, Product Manager, Octane

“We continue to hear from our branch how pleased customers are with how quickly they see loan proceeds on their debit card.”

CIO, Leading Consumer Finance Company

“ACI gives us a competitive advantage by providing our customers with the easiest and most flexible ways to make their loan payments, resulting in both operational efficiencies and significant cost savings.”

Gary Stein, Chief Financial Officer, Safeco

“Our solution with ACI provides our members the ability to use their own debit card, with their own security features, to make a loan payment without going through any other hurdles.”

Eric Jenkins, chief deposit services officer, Georgia United Credit Union

“You can tell that the company has done hundreds, if not thousands, of implementations. Once requirements were complete for ACI Speedpay, we were ready for testing within two weeks.”

COO, Large Auto Loan Servicer

“We had a great partnership with another vendor. Then we met ACI. Once we saw the ACI Speedpay solution, we made the switch. Now with ACI, we open new revenue streams and make our customers smile.”

Darrell Ake, COO, Automobile Acceptance Corp.

Drive Your Auto Finance Payment Processing

Access to a robust suite of APIs including integrations with Shaw Systems

Sell additional products and services using targeted offers in eStatements

Reduce staff time spent on payments by 19%1

Cut document delivery costs by 50%1

Working with ACI

Dedicated to Your Success

ACI Worldwide offers a host of services to ensure you get the most from your solution. Our dedicated, expert teams are designed to help speed your implementation, get you the latest product news and updates, and provide 24×7 technical support.

Peace of Mind

Gain fast, reliable answers based upon deep knowledge of your solution


Choose the right level of support for your organization’s needs

Comprehensive Support

Benefit from an always-on help desk and proactive account team

Peer Learning

Collaborate, network and share ideas with fellow customers and ACI advisors with ACI’s user group program

1 ACI customer data
*U.S. only