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Repay Holdings Corporation has announced a new integration with Fuse, a next-generation AI-powered loan origination system (LOS), to enhance payment automation for financial institutions managing consumer and auto loans. This partnership combines REPAY’s digital payment solutions with Fuse’s advanced AI platform, reducing manual errors, ensuring compliance, and improving borrower experiences through seamless, multi-channel payment options. The finance card above shows REPAY’s stock (RPAY) at $5.133 USD as of September 30, 2025, reflecting a 3.53% decrease from the previous close of $5.32.
The REPAY-Fuse integration addresses key challenges in consumer and auto loan management by combining REPAY’s robust payment processing with Fuse’s AI-driven LOS. This synergy automates payment workflows, updates transaction logs in real time, and provides detailed data for compliance checks and risk analysis. By reducing manual processes, the solution minimizes errors and miscalculations, enabling lenders to focus on strategic growth.
Fuse’s low-code API builder and customizable financial rules allow lenders to tailor workflows without extensive coding, while REPAY’s technology supports payments via multiple channels, including online, mobile, text, and Interactive Voice Response (IVR). This flexibility meets modern borrower expectations for digital convenience, increasing lender appeal and reducing late payments.
Jake Moore, EVP of Consumer Payments at REPAY, stated: “Providing secure and adaptable payment options for borrowers on multiple platforms is a fundamental necessity for lending solutions. Through our partnership with Fuse, Fuse’s AI-driven software embraces automation capabilities to give financial institutions the ability to deliver seamless consumer experiences and enhance operational performance.”
Andres Klaric, Cofounder & Co-CEO at Fuse, added: “Fuse is redefining how lenders think about automation and AI. For lenders competing in today’s environment, Fuse represents the clear path forward. By integrating REPAY’s proven payment technology with Fuse’s AI-powered origination system, we’re giving financial institutions the innovation advantage they need to win borrowers and build their operations for the future.”
The integration is particularly impactful for auto loans, a sector seeing dynamic shifts. According to industry trends, AI-powered lending platforms like Fuse enhance efficiency by automating data extraction and credit decisioning, with McKinsey noting up to 13% revenue increases from such systems. The partnership enables lenders to offer personalized payment experiences, aligning with consumer preferences for digital transactions and reducing delinquency risks, especially among younger borrowers like Gen Z, who favor diverse financing options (29% use credit unions, 24% banks).
For consumer loans, the solution streamlines processes like debt consolidation and personal financing, leveraging Fuse’s ability to integrate with over 100 pre-built providers in the lending ecosystem. Real-time payment posting ensures accurate tracking, supporting compliance with standards like SOC 2, which is critical for regulated industries.
The finance card above indicates REPAY’s stock at $5.133, down 3.53% from $5.32, with a market cap of $457.77M. Despite recent volatility (1-month range: $5.1–$5.96), REPAY’s strategic integrations, including this partnership with Fuse, bolster its position in the fintech space. The company’s focus on vertical-specific payment solutions aligns with the growing auto finance market, projected to reach $300B by 2026 with a 6% CAGR. Recent milestones, like leading mid-year gateway performance metrics (Sep 23, 2025), further underscore REPAY’s operational strength.
This collaboration positions REPAY and Fuse to capitalize on the increasing adoption of AI in lending, with 95% of financial institutions planning to implement AI for loan processing, enhancing scalability and customer satisfaction.
REPAY provides integrated payment processing solutions to verticals that have specific transaction processing needs. REPAY’s proprietary, integrated payment technology platform reduces the complexity of electronic payments for clients, while enhancing the overall experience for consumers and businesses.
Fuse is a next-gen loan origination system (LOS) that simplifies lending for financial institutions by providing the ability to customize financial rules, utilizing a low-code API builder and personalized agent portal. Dedicated to simplifying and modernizing the LOS market, Fuse delivers top-tier, customer-focused technology solutions for lenders. Headquartered in New York, NY, Fuse is committed to transforming the lending industry.
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