In lending and merchant cash advance (MCA), timing is the difference between a closed deal and a lost one. Traditional rails—ACH batches and bank cutoffs—were built for next-day banking, not for modern portfolios that need speed, certainty, and round-the-clock access. The Liftoff Platform was designed for that reality. With built-in Real-Time Payments (RTP), lenders and funding companies can move money in seconds—any hour, any day, weekends and holidays included—and pair instant funding with predictable collections through Recurring Invoices. Add to that no fees on ACH pulls or debit card transactions, and you have a payments operating system that accelerates origination while lowering your cost to collect.
No Fees on ACH Pulls or Debit Card Transactions
Payment costs add up fast. Liftoff’s Zero-Fee Payments Program removes a major line item:
· $0 ACH pulls (no per-transaction fees)
· $0 debit card transactions (no swipe/pull costs)
· Unlimited volume with transparent, predictable economics
Why Real-Time Payments Changes the Funding Game
RTP is more than a faster wire; it’s a new operating tempo. When underwriting gives the green light at 9:13 p.m. on a Saturday, Liftoff can push funds immediately. There are no end-of-day cutoffs, no “Monday morning” delays, and no friction that forces borrowers to wait for cash they’ve already been approved to receive. That immediacy does two things for your portfolio: it raises close rates—because speed wins—and it reduces post-funding anxiety, since both sides see cleared funds in seconds, not days. For repeat draws, renewals, or emergency top-ups, RTP turns disbursement into a moment—not a process.
This always-on funding rhythm is especially powerful for lenders serving Main Street merchants whose cash-flow needs don’t align with banker’s hours. Restaurant equipment fails at midnight; contractors finish a job on Sunday; e-commerce sellers have a shipment window that closes in four hours. RTP means you can be the partner who says “yes” at the exact moment it matters.
The Quiet Hero: Recurring Invoices That Lower Return Rates
Fast funding is only half the story; clean, predictable collections are the other half. Liftoff’s Recurring Invoices allow you to align repayment schedules with a client’s real cash-flow patterns—weekly for restaurants, bi-weekly for service businesses, semi-monthly for payroll driven cycles, or monthly for subscription revenue. Invoices are branded, delivered with one click payment links, and supported by proactive reminders so due dates don’t sneak up on anyone.
Under the hood, Liftoff orchestrates account validation at setup and intelligent retries when a pull fails. Instead of hammering the account with random reattempts, the platform schedules them at empirically better times and only after notifying the customer, which reduces non-sufficient funds (NSF) returns and the support tickets that follow. The result is a steady cadence of on-time payments, fewer surprises for your ops team, and healthier processor ratios.
The Economics: $0 Fees on ACH Pulls and Debit Card Transactions
Processing costs can quietly erode yield, especially at scale. Liftoff’s Zero-Fee Payments Program eliminates per-transaction charges on ACH pulls and debit card transactions. For many lenders, that change alone converts payment processing from a nagging expense into a competitive advantage. When you can collect at $0 per ACH or debit pull, you’re free to structure more borrower-friendly plans, invest more in acquisition, or simply keep the savings and expand margin—without compromising on speed or reliability.
Pair those $0-fee rails with RTP for disbursement, and you’re operating on the most cost-effective combination available: instant funding out, zero-cost collections back.
Implementation Without the Headache
Liftoff supports both a no-code Portal and a developer-friendly API, so you can start fast and scale into automation as your volumes grow. From the Portal, funding teams can approve a deal, trigger RTP, and set up a recurring schedule in minutes. Everything—from settlement status to return codes and customer messages—lives in one place.
When you’re ready to wire it into your systems, the API exposes programmatic RTP disbursements, ACH pulls, and event web hooks. You can kick off collections based on underwriting outcomes, send real-time notifications when payments clear, and automate dunning with rules that reflect your risk policy. KYB/KYC, OFAC screening, account verification, velocity controls, and audit trails are built in, so compliance travels with the transaction—no bolt-ons required.
How Liftoff Works (Portal & API)
Whether you want click-simple or fully automated, Liftoff fits your workflow.
Portal (no code)
· Create/approve funding, send RTP instantly
· Set up recurring invoice schedules in minutes
· Track statuses, returns, and settlement in a unified dashboard
API (fully automated)
· Programmatic RTP disbursements & ACH pulls
· Webhooks for real-time events (funded, paid, failed, returned)
· Rule engine for retries, fee logic, dunning messages, and risk checks
Risk & Compliance baked in
· KYB/KYC & OFAC checks
· Account verification and velocity rules
· Audit trails and detailed activity logs
A Day in the Life: From Decision to Dollars (and Back Again)
Picture a same-day approval at 6:42 p.m. You tap “Fund” in Liftoff and send RTP; the merchant receives cleared funds before they close shop. During onboarding, the system validated their account and established a recurring plan that matches their revenue cadence. On the first due date, Liftoff pulls via ACH at $0 fee. If the account is light that morning, the platform notifies the merchant, waits for typical deposit timing, and retries once—successfully. Your team doesn’t triage tickets; your processor ratios stay healthy; your borrower feels respected, not hounded.
Multiply that by hundreds or thousands of clients, and the operational leverage becomes obvious. Origination moves quicker, collections grow cleaner, and exceptions stay rare.
What Lenders and MCA Shops Actually Gain
The strategic benefits stack up. Close rates climb because instant access to funds removes buyer friction. Return rates fall because schedules and reminders align with reality, not a template. Processing costs drop to near zero on the collection side, enabling better pricing or better margins (or both). And because RTP, recurring invoices, ACH, and debit all live in one platform,
your team spends less time swiveling between tools and more time growing the book.
· Faster time to cash for clients → higher close rates
· Cleaner collections via recurring invoices and smart retries
· Lower processing costs (zero-fee ACH & debit)
· 24/7 control over funding and payouts
· Less manual work thanks to automation, alerts, and web hooks
Common Questions—Answered Briefly
Can we truly fund at night and on weekends?
Yes. RTP on Liftoff is 24/7/365; there are no network cutoffs.
Do RTP and ACH work together?
They’re complementary. Use RTP for instant disbursement; collect predictably with ACH pulls (or debit) at $0 per transaction.
Will recurring invoices reduce returns?
They do—through account validation, schedule alignment, proactive reminders, and data-driven retry timing.
Do we need engineers to launch?
No. Launch from the Portal today. Adopt the API when you want full automation.
The Bottom Line
The market rewards lenders who are fast, predictable, and cost-efficient. Liftoff Platform delivers that trifecta: real-time funding that never waits for a bank clock, recurring invoices that turn collections into a calm routine, and zero-fee ACH and debit that strengthen unit economics at scale. If your portfolio still runs on batch files and next-day transfers, you’re competing with an anchor tied to the boat.
Cut it loose. Fund in seconds. Collect with confidence. Keep the fees.
Launch RTP and Recurring Invoices with Liftoff today—and turn your payment rails into a competitive edge.