ACH / Payments Agent

Automated payment processing, reconciliation, and exception handling across the servicing lifecycle

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The ACH / Payments Agent automates the full payment lifecycle within the LMS — from payment initiation and ACH processing through reconciliation and exception handling. The agent manages scheduled payments, processes returns and reversals, handles NSF retries, and reconciles daily settlement files. Reduces payment operations overhead while improving accuracy and speed-to-post.
Problem solved: Solves the manual reconciliation burden, NSF retry inconsistencies, and same-day settlement errors that drive payment operations costs and degrade borrower experience. Replaces overnight batch processes and after-the-fact exception handling with real-time automation and clean audit trails.

Auto
Payment reconciliation
Same-day
ACH processing capability

Key Capabilities

Automated ACH payment initiation and scheduling

Return and reversal processing with reason code handling

NSF retry logic with configurable attempt rules

Daily settlement file reconciliation and exception routing

Payment posting and ledger update automation

Integration with Dwolla, Plaid, and core banking rails

AI AGENT

ACH & Payments Workflow

Same-day ACH automation with auto-reconciliation and exception handling

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