On your CTI account by default
SmartPay: your branded credit-ordering page, paid by the borrower
Personalize a secure link and share it with borrowers or your referral partners. They order their own credit report, authorize the pull, and pay for it, any time of day. The moment it's paid, the report is ready to import into your LOS. Nothing to install, and nothing out of your pocket.
Branded and customized to you
Your link, your landing page, and every page your borrowers see carry your branding and your information. They order through your experience, not a generic form.
Empower your referral partners, 24/7
Share your link with a Realtor and they can hand it to your mutual buyers, who order, pay for, and access their credit report any time. You won't lose a deal because you couldn't pick up the phone.
Spend your time on committed buyers
A borrower who pays for their own report is invested. The report is in hand before your first call, and each order emails you their details and the partner who referred them.
Take the cost off your desk
The borrower pays your exact per-report price, with no markup or added fees, so you stop fronting credit costs on deals that may never close. The report even reissues through your AUS.
How SmartPay works
Three steps, from link to import.
1
Personalize and share your link
Customize your link once, then text or email it to a borrower or share it with a referral partner. It's on by default on your CTI account.
2
Your borrower completes, authorizes, and pays
They enter their information, agree to the authorization, and pay your exact price. The card isn't charged until they approve the amount.
3
Import into your LOS
You're notified the moment it's paid and receive the borrower's details. The completed report waits in your CTI account, ready to import.
What your borrower sees
A clean, branded experience.
Shown with sample branding. The borrower enters their details, sees the exact fee before anything is charged, and provides written authorization. Credit Technologies is named as the credit reporting agency; the lender branding is the loan officer's.
When to use it
Any time you'd rather the borrower carry the report cost.
Rate-shoppers and early-stage leads
Internet and lead-gen borrowers
Realtor and referral-partner buyers
High-volume desks managing report spend
The borrower's written authorization to pull credit is captured in the flow and stored on the file, with a copy available by email. SmartPay forms are configured by CTI with Compliance-approved disclosure language.
Put SmartPay to work
It's already on your account. Set up your link, or have our team walk you through it.
Looking for a fully Realtor-branded prequalification and referral platform? That's BestQualify.