A smarter, simpler way to keep borrowers informed, engaged and on time, no app required!
Imagine this.
Your borrower wakes up, checks their phone and opens their mobile wallet to pull up a boarding pass for a morning flight. But above that pass is something new: an automatically updated card showing their loan due date, current balance and a one-tap “Make a Payment” button.
No app to download. No login to remember. No searching through emails, portals or paper statements.
Just one clean, intuitive experience exactly where they’re already looking.
That’s the promise of Dynamic Wallet™, our mobile-first loan pass designed to simplify payments for borrowers and lenders alike. And as expectations continue to shift toward frictionless digital experiences, this small change in where information lives can have a big impact on engagement, adoption and repayment outcomes.
Apple® and Google™ Wallets started with event tickets and boarding passes. They expanded to ID cards, insurance cards, transit passes and more. Now, consumers use digital wallets daily, not just for payments, but for information they need quick access to.
Bringing loan details into that environment is convenient, but it’s also the natural next step in the evolution of digital wallet payments.
Borrowers don’t want to jump between apps, portals and emails. They want what every modern digital experience provides:
Dynamic Wallet meets those expectations by placing payment functionality where borrowers already spend their time. It’s mobile payments designed for real borrower behavior.
At its core, Dynamic Wallet is a loan pass that borrowers can add to their Apple® or Google™ Wallet, much like a digital ticket. But unlike a static card, it updates automatically with:
Here’s what happens behind the scenes:
This can come from your existing communication channels: portal, text, email or servicing team. A single tap adds the loan pass to their mobile wallet.
Whenever the loan information changes, so does the pass. No manual updates needed.
Push notifications remind borrowers of upcoming due dates and confirm successful payments.
Borrowers can pay with saved ACH or card methods without navigating through multiple digital layers.
The result is an experience that feels native, easy, and familiar because it is.
Borrowers don’t wake up wanting to think about payments. They want the process to be quick, intuitive and unobtrusive. Dynamic Wallet delivers exactly that.
No new login. No learning curve. No need to download yet another app taking up space on their phone.
Notifications surface where borrowers already pay attention, reducing missed due dates and last-minute scrambles.
Loan details and payment access live alongside the tools borrowers use every day.
Borrowers can pay however they prefer (card or ACH) with saved methods they trust.
When borrowers feel empowered to manage payments on their own terms, engagement increases and friction decreases.
Dynamic Wallet isn’t just a borrower convenience tool. It’s a strategic asset for lenders focused on modernization, operational efficiency and better portfolio performance, too.
Borrowers who see payment reminders and realtime due dates directly in their mobile wallet are far less likely to miss deadlines. It’s payment behavior made easier, not enforced.
Every push notification becomes a soft touchpoint. Every wallet update becomes a reminder. Borrowers stay informed without relying on call centers or manual outreach.
Dynamic Wallet™ reduces inbound questions like:
Fewer questions means fewer calls and more time for your teams to focus on higher-impact tasks.
Developing and maintaining a custom mobile app is expensive, time-consuming and resource-intensive. Dynamic Wallet gives you a mobile-first experience minus the upkeep, making innovation accessible for lenders of all sizes.
Your brand appears directly on the loan pass, reinforcing trust and positioning your organization as forward-thinking.
The payments landscape is changing fast, and lenders are navigating rising expectations, tighter margins and increased complexity. Borrowers want simplicity; lenders want predictability.
Dynamic Wallet brings both together.
By meeting borrowers where they already are — on their phones, in their mobile wallets — Dynamic Wallet transforms payment management into a seamless, continuous experience. And because it works within existing REPAY payment flows, it enhances your digital strategy without adding new systems or workflows.
If you're evaluating mobile payments, here’s what matters:
It’s the kind of innovation borrowers feel immediately and lenders feel in their performance metrics.
What is Dynamic Wallet™?
Dynamic Wallet™ is a mobile wallet–based loan pass that lets borrowers view loan details, receive reminders and make payments directly from their Apple® or Google™ Wallet. It updates automatically with due dates, balances and payment status. No app required.
Do borrowers need to download anything?
No. Dynamic Wallet uses the mobile wallet borrowers already have on their device. All they need to do is tap a link to add the loan pass.
How does Dynamic Wallet reduce delinquencies?
Borrowers see timely reminders and updated loan details in a place they check every day: their mobile wallet. This visibility helps prevent missed payments, reduces confusion and encourages proactive repayment.
Is Dynamic Wallet secure?
Yes. It leverages the built-in security features of Apple® and Google™ Wallets, including device-level authentication, encryption and biometric access. Sensitive payment data remains protected within our trusted platform.
What payment methods does Dynamic Wallet support?
Borrowers can pay using saved ACH accounts, debit cards or other supported payment methods just as they would through our existing payment channels.
Can Dynamic Wallet integrate with my current systems?
Yes. Dynamic Wallet works seamlessly with our payment platform and connects to your existing servicing or loan management workflows without requiring a custom app or new infrastructure.
How is this different from offering a mobile app?
Apps require development, maintenance, updates and ongoing support. Dynamic Wallet provides a mobile-first experience without the overhead, giving borrowers instant access to loan details through a tool they already use daily.
Does Dynamic Wallet support branding?
Yes. Your organization’s name and branding appear on the loan pass, reinforcing trust and delivering a consistent borrower experience.
What industries can use Dynamic Wallet?
Dynamic Wallet is ideal for consumer lenders, credit unions, banks, auto finance providers, installment lenders and servicing teams that want to modernize payment experiences and reduce operational friction.
How does this improve borrower engagement?
By placing loan information in the borrower’s mobile wallet — right next to their tickets, passes and payments — Dynamic Wallet gives borrowers multiple reminders and touchpoints that naturally improve engagement.
Dynamic Wallet delivers a future-ready payment experience without adding friction to borrowers or operational overhead to lenders. And as digital wallet payments continue to expand into new use cases, borrowers will expect financial institutions to meet them there.
With Dynamic Wallet, you can. Learn how Dynamic Wallet improves engagement, reduces delinquencies, and delivers a mobile-first payment experience. Talk to a payment expert today!