ACH / Payments Agent

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.