MessagePay (Lehi, UT) says it has added 86 credit unions and community banks this year as it expands its payments platform with AI-powered analytics designed to help collections teams predict borrower payment behavior.
LEHI, Utah — September. 4, 2026
MessagePay, a Lehi-based digital payments and communications platform for credit unions and community banks, has reached 400 financial-institution customers as the company expands its platform with two-way borrower communication and a new AI-powered predictive analytics product.
The company said it has signed 86 new credit unions and community banks through August and is on pace to process more than $1.2 billion in payments in 2026.
MessagePay allows financial institutions to communicate with borrowers and collect payments through text, web, phone and email. Borrowers can make payments through a secure link or directly within a text conversation without downloading an app or logging into online banking.
“When borrowers can pay with a tap instead of a phone call or a trip to the branch, they actually pay on time,” said Greg Pesci, president and CEO of MessagePay.
The company said its customers have reported lower delinquencies and increased payment volume since adopting the platform.
AI Pay+ adds predictive analytics to collections
MessagePay has also launched AI Pay+, a predictive analytics tool designed for asset recovery and collections teams.
The system analyzes borrower behavior to forecast when and how a borrower is likely to make a payment. MessagePay says the technology can help collections teams segment portfolios and prioritize accounts that may require additional outreach.
“Our customers were already seeing results with the core platform,” said Brandon Alletto, SVP of Sales. “AI Pay+ and MessagePay Direct give their teams something more specific: a way to prioritize which accounts need a human touch and which ones don't.”
The company also recently expanded its two-way communication capabilities through MessagePay Direct, which allows financial institutions to communicate directly with borrowers through text to resolve payment issues.
Expanding integrations
MessagePay's customer base ranges from credit unions with about $10 million in assets to banks with more than $20 billion. The company has integrations with more than 30 core and third-party systems.
Its integrations include major financial-services core platforms from Fiserv, Jack Henry, Corelation, CU Answers and Flex.
MessagePay said its Fiserv integrations have also enabled community banks using Fiserv banking cores to adopt the platform in 2026.
The company's growth comes as financial institutions continue looking for digital alternatives to traditional collections and payment processes, particularly as consumers increasingly expect to communicate with businesses through mobile messaging.
For MessagePay, the addition of predictive analytics moves the platform beyond payment collection toward helping institutions determine how and when to engage individual borrowers.
“We're seeing institutions of all sizes use the platform,” Pesci said. “From small community financial institutions to billion-dollar ones, the demand is growing for more effective ways to communicate with the people they serve.”
Learn more at messagepay.com.