Instant Funding

Instant Funding

Fast Funds. Realtime Results.

There’s no time like the present. That’s why we’ve developed our Instant Funding technology, which utilizes REPAY's payment platform with Visa® and MasterCard's® reliable global network and distribution systems to immediately push funds to your customers' debit or prepaid cards. We'll help you deliver fast, convenient and secure funding experiences that will set your business apart from the rest.

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An Innovative Funding Experience

Instant Funding will help you provide a better, more customer-friendly funding process that removes the friction and processing delays associated with traditional fund disbursements. Once you submit a transaction, the funds are typically available for use within thirty minutes. And, once you have a debit or prepaid card securely stored on file, it can be quickly used again for future fund disbursements or payments.


There is no need to issue checks or submit ACH transactions for funding, and customers no longer have to wait days for funds to clear. Funds are available within thirty minutes and the funding network is available 24/7/365.

Data Insights

You’ll have access to realtime insights into transactional data and activity. Our data is readily available in easy-to-read reports, so reconciliation is simple and stress-free.


Transactions are processed in real-time and the quick transaction flow allows for fast fund distributions. You’ll be able to easily establish transaction limits to help control risk and prevent fraud.


We support you with dedicated implementation services, ongoing training and 24/7/365 customer service. We’ll also help you handle processing exceptions and manage risk throughout our partnership.


Our proprietary, PCI compliant gateway and virtual vault securely processes and stores card information for funding and payment purposes. We work constantly to help you maintain compliance and meet security regulations, and we have a team dedicated to identifying and fighting fraud.


With other providers, you can't always depend on the service your business deserves. We have the industry's most advanced online reporting capabilities as well as error checking and audit research. And thanks to our strong and long-lasting bank partnerships, we guarantee redundancies, so you can rest assured there’s a bank behind every transaction.


Our 24/7/365 customer service will assist you with every aspect of the Instant Funding program, including initial onboarding, training, reconciliation, risk mitigation and billing.