Zirtue Pay Overview

Zirtue Pay is an alternative payment method that helps billers capture payments from customers who may be at risk of falling behind. Instead of entering collections, your customers can request support from a friend or family member (“the lender”), who pays the bill on their behalf. Zirtue handles the repayment tracking between them, while you receive funds directly quickly and securely.

Zirtue Pay requires no system integration, no API work, and no operational overhead. Billers simply share a Zirtue Pay link with customers, and Zirtue handles identity verification, loan setup, movement of funds, and repayment scheduling behind the scenes.

How It Works

1. Customer initiates assistance

Your customer opens Zirtue Pay using your dedicated link and verifies their identity.
They enter their account number and amount due.

2. Customer requests support

They send a Bill Pay loan request to one trusted person, usually a friend or family member.

3. Lender pays the bill

Once the lender accepts the request, Zirtue securely moves the payment from the lender’s bank account directly to your billing account. You receive the payment just like any standard customer payment.

4. Repayment happens in the background

Zirtue manages repayment between the customer and their lender, with autopay, reminders and tracking.
You are not involved in this repayment process.

What This Means for Your Team

For Billing & Payments Teams

• Payments arrive directly into your standard payment channels.

• No changes to existing workflows.

• No reconciliation complexity, payments are tied to the customer’s account number provided upfront.

For Operations

• Zero integration required.

• No new systems or tools to manage.

• Minimal internal training, your team simply shares your Zirtue Pay link when needed.

For Customer Service

• Offers a supportive alternative for customers heading toward delinquency.

• Reduces churn, terminations, and collections activity.

• Allows your agents to offer a real solution instead of a last resort.

For Customers

• Better experience and more flexibility.

• Can avoid late fees, collection calls, and account interruptions.

• Feel supported without being pushed into predatory products.

Key Benefits for Billers

• Capture payments earlier before accounts enter collections.

• Reduce bad debt and charge-offs from customers who simply need temporary help.

• Improve customer satisfaction with a compassionate alternative.

• No-code activation, just your dedicated Zirtue Pay link.

• No impact to your existing payment systems or reporting processes.

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