← Stories
Lending
BNPL, consumer credit, SME lending — fund once, then collect instalments and arrears via open banking routing or payment links.
Origination is only half the journey. Lenders need reliable account-to-account collections with bank SCA, clear references, and fewer card failures. StixBNK routes repayments through open banking routing and lets collections teams send invoicing & payment links for catch-up balances — same providers, same webhooks, same reconciliation.
Use case 1
Scheduled repayments via Pay by bank
Limits of card-first collections
- Expired cards and involuntary churn
- High CNP decline rates on large instalments
- Dispute and chargeback overhead
What StixBNK unlocks
Initiate each repayment with market-aware routing: the borrower authenticates at their bank; you receive authorised amount and reference events for your loan ledger.
Flow
- Billing engine creates a collection for the instalment.
- StixBNK hosts checkout or redirects via API routing.
- Borrower completes SCA at the ASPSP.
- Webhook marks the instalment paid in your core.
Impact
↑ completionBank-grade auth vs. card retries
AuditStable end-to-end references per instalment
Use case 2
Arrears invoices & payment links
When a schedule breaks, collections need a fast path: issue an invoice for the outstanding balance, email a hosted payment link, and settle on the same open banking rails — without spinning up a separate PSP stack.
Flow
- Collections creates an invoice for arrears + fees (as allowed).
- StixBNK attaches a pay link and payment reference.
- Borrower pays by bank; status returns via webhook.
- Loan account and customer receipt update together.
Impact
SpeedSelf-serve catch-up without call-centre wire scripts
One stackGateway instalments and invoice links share routing
