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Use Case > Pay

Make Payments and Balance Transfers Frictionless.

Spinwheel helps financial institutions enable embedded repayment, payoff, balance transfer, and debt consolidation experiences using verified creditor, account, and payment information.

Book a Demo

Talk to Sales

Use Case > Pay

Make Payments and Balance Transfers Frictionless.

Spinwheel helps financial institutions enable embedded repayment, payoff, balance transfer, and debt consolidation experiences using verified creditor, account, and payment information.

Book a Demo

Talk to Sales

Paying the Bill Should Be Easy — Not Friction Filled.

Problem

Complicated Payment Processes Shouldn’t Stand in the Way.

Complex payment portals, manual account lookup, and multi-step verification processes often prevent consumers from refinancing, consolidating debt, transferring balances, or paying down obligations.

The result is missed payments, lower completion rates, slower payoff experiences, and missed opportunities to improve financial outcomes.

Problem: Manual payment cards showing a creditor payment portal sign-in, identity verification with ID upload, a paper check in transit for 14 days that never arrived, and a connection error

Problem

Complicated Payment Processes Shouldn’t Stand in the Way.

Complex payment portals, manual account lookup, and multi-step verification processes often prevent consumers from refinancing, consolidating debt, transferring balances, or paying down obligations.

The result is missed payments, lower completion rates, slower payoff experiences, and missed opportunities to improve financial outcomes.

Solution

Enable Action With Embedded Payment Experiences.

Connect consumers directly to repayment, payoff, balance transfer, and debt consolidation workflows using verified creditor, account, and payment information. Instead of asking consumers to navigate disconnected payment processes, create seamless financial experiences that move from insight to action.

The result is higher completion rates, faster payoff experiences, and better consumer outcomes.

Solution

Enable Action With Embedded Payment Experiences.

The result is higher completion rates, faster payoff experiences, and better consumer outcomes.

The Spinwheel Difference.

Increased Completion Rates.

Reduce friction that prevents consumers from acting on financial opportunities.

20%+

increase in conversion rates

Improved Consumer Outcomes.

Help consumers reduce debt, lower borrowing costs, and improve their financial position.

Accelerated Payoff and Repayment.

Help consumers move money faster and more efficiently.

70%

decrease in balance transfer times

Unlocked New Revenue Opportunities.

Create repayment, payoff, consolidation, and balance transfer experiences that drive growth.

The Spinwheel Difference.

Increased Completion Rates.

Reduce friction that prevents consumers from acting on financial opportunities.

20%+

increase in conversion rates

Accelerated Payoff and Repayment.

Help consumers move money faster and more efficiently.

70%

decrease in balance transfer times

Improved Consumer Outcomes.

Help consumers reduce debt, lower borrowing costs, and improve their financial position.

Unlocked New Revenue Opportunities.

Create repayment, payoff, consolidation, and balance transfer experiences that drive growth.

The Spinwheel Difference.

Increased Completion Rates.

Reduce friction that prevents consumers from acting on financial opportunities.

20%+

increase in conversion rates

Improved Consumer Outcomes.

Help consumers reduce debt, lower borrowing costs, and improve their financial position.

Accelerated Payoff and Repayment.

Help consumers move money faster and more efficiently.

70%

decrease in balance transfer times

Unlocked New Revenue Opportunities.

Create repayment, payoff, consolidation, and balance transfer experiences that drive growth.

Common Solutions.

App showing a Bank of America card with balance, minimum due, interest rate, and due date details, and an Initiate Balance Transfer button

Debt Repayment.

Enable consumers to make payments toward existing obligations.

Balance Transfers.

Debt Consolidation.

Loan Payoff.

Embedded Credit Actions.

Common Solutions.

Debt Repayment.

Enable consumers to make payments toward existing obligations.

Balance Transfers.

Debt Consolidation.

Loan Payoff.

Embedded Credit Actions.

Common Solutions.

Debt Repayment.

Enable consumers to make payments toward existing obligations.

Balance Transfers.

Debt Consolidation.

Loan Payoff.

Embedded Credit Actions.

Powering the Full Consumer Credit Lifecycle.

From acquisition to underwriting to repayment, Spinwheel powers real-time credit data, verified credit profiles, and embedded payments for every stage.

The consumer credit lifecycle doesn't end with payments. It starts again by identifying the right customers for the right financial products.

Explore Segment

Powering the Full Consumer Credit Lifecycle.

Powering the Full Consumer Credit Lifecycle.

From acquisition to underwriting to repayment, Spinwheel powers real-time credit data, verified credit profiles, and embedded payments for every stage.

The consumer credit lifecycle doesn't end with payments. It starts again by identifying the right customers for the right financial products.

Explore Segment

Powering the Full Consumer Credit Lifecycle.

Powering the Full Consumer Credit Lifecycle.

From acquisition to underwriting to repayment, Spinwheel powers real-time credit data, verified credit profiles, and embedded payments for every stage.

The consumer credit lifecycle doesn't end with payments. It starts again by identifying the right customers for the right financial products.

Explore Segment

Powering the Full Consumer Credit Lifecycle.