The Payment Multiplier Built to
Outpace Collections Gaps
No more silos. No more delays. Just action.
Powerful alone. Transformative together.
The Eltropy × Swivel integration delivers a seamless collections experience by embedding secure, trackable payment links with real-time communication to drive faster recoveries without added friction.
One-Click Payment Experience
Secure, personalized payment links sent via Text make it easy for borrowers to pay instantly without jumping channels and reduce drop-offs.
Collect More, With Less Effort
Automated payment alerts and self-serve links help teams handle more delinquencies with less effort, lowering collections costs and speeding up recovery.
Verified, Secured, and Logged, Automatically
Each payment link is encrypted, trackable, and tied to identity verification, supporting your compliance and audit requirements effortlessly.
Turn Payment Insights into Action
Track link engagement, collection performance, and usage patterns to see what’s working and adjust strategies to proactively reduce future delinquency.
The Eltropy+ Swivel Impact
Boost in on-time payments
10
%
Faster payments than businesses not using text-to-pay
10
%
Increase in collections recovery
2
%
Capabilities Built for Modern Teams
On-demand personalized, secure payment links.
Real-time payment and borrower activity insights.
Automated payment reminders and 1:1 conversations.
Personalized payment links embedded in collection text alerts.
Swivel x Eltropy Payment Workflow
Send a Payment Reminder
A text message is sent automatically based on the upcoming due date.
Tap to Pay
The message includes a secure payment link. The account holder clicks the link to start the process.
Access Branded Payment Portal
The link opens a CU-branded payment page, customized for a seamless experience.
Payment Completed
The member confirms their identity and completes the transaction.
Get Confirmation
A confirmation text is sent once payment is received.
Payment Reflected in Account
The payment is logged and recorded in real time within Swivel.
One of the biggest reasons we chose Eltropy was their robust integrations. As we prepared for a core conversion, Eltropy was already ready to support us, which opened up countless possibilities to increase efficiency and improve member interactions across the entire organization.
One thing that surprised me was how smoothly it went. Usually with third-party vendors, you have hiccups. But since day one, it’s been fantastic. The integration has been seamless, and the system is so intuitive that staff training was minimal. That kind of turnaround was unheard of with our old process.
The way MeridianLink and Eltropy work together has been remarkable. When a member needs to submit or sign docs, our team sends a quick Text and often get a response within minutes, rather than days. The efficiency gains have been incredible.
SWIVEL, an SWBC company, offers a transaction enablement platform that simplifies the use of Apple Pay®, Debit, Credit, and ACH for payments. The platform serves over 2,000 clients, including financial institutions, K-12 education institutions, and the software companies that support them. SWIVEL integrates with existing systems to manage payments, streamline operations, and provide user engagement tools. With tailored risk management controls for each transaction, SWIVEL helps businesses maintain compliance and improve payment processes. The company is a wholly owned subsidiary of SWBC, headquartered in San Antonio, Texas. Find more information at www.getswivel.io.
