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PayPlan Pro: Feature Overview & Configuration

Audience: System Administrators, Credit Risk Managers, Compliance Officers

Topic: Platform Capabilities & Configuration

Overview

The PayPlan Pro tier provides advanced infrastructure for lenders requiring automated decisioning, multi-product orchestration, and granular governance. This article outlines the specific functional capabilities available in the Pro environment, including the Automated Decision Engine, advanced Role-Based Access Control (RBAC), and API extensibility.

This tier is designed to support complex lending strategies where manual underwriting is replaced or augmented by configurable logic trees and automated workflows.

1. Automated Decisioning & Underwriting

The Pro tier introduces the Decision Engine, which allows administrators to configure underwriting rules that execute in real-time.

  • Custom Decision Trees (DMN): Administrators can configure decision logic using Decision Model and Notation (DMN). This allows for filtering applicants based on specific risk criteria such as Debt-to-Income (DTI) ratios, trade line utilization, and disposable income.

  • Multi-Dimensional Pricing Matrices: Offers can be generated dynamically based on variable combinations. For example, the system can be configured to present specific APRs or term lengths based on a matrix of Credit Score + Income.

  • Hybrid Workflows (Underwriter Review): The system can be set to "Auto-Decision" or "Manual Review." In a manual review workflow, the engine generates a recommended offer, but the application is held for an authorized underwriter to review. Underwriters can manually override terms, adjust pricing, or request stipulations before the loan is approved.

2. Multi-Product Portfolio Management

Pro environments support the concurrent management of multiple distinct loan products within a single tenant.

  • Supported Product Types: The platform supports configuration for Term Loans, Lines of Credit, Lease-to-Own (LTO), Merchant Cash Advances (MCA), and Retail Installments.

  • Product-Level Configuration: Each product type has independent settings for payment frequencies, origination fees, application fees, and disbursement logic.

  • Lifecycle Logic: Administrators can tailor rules for renewals, deferments, and fee forgiveness specific to each product line or borrower segment.

3. Servicing Automation

The Pro tier includes advanced automation for the servicing lifecycle, reducing the need for manual account management.

  • Collections Workflows: Triggers can be configured to execute actions based on payment behavior. This includes automated retries for failed payments, status changes (e.g., moving an account to "Delinquent"), and escalation workflows.

  • Communication Sequences: Automated email and SMS workflows can be tailored for specific events, such as Approval, Decline, Documents Needed, or Payment Due.

  • Audit Logging: The system maintains a compliant audit log of all borrower disclosures, decision results, and modifications to the loan file.

4. Governance & Access Control

For organizations managing multiple teams or branches, Pro provides enhanced security and hierarchy settings.

  • Multi-Merchant / Multi-Brand Management: A single admin instance can govern multiple storefronts or brands. This allows for centralized reporting while maintaining distinct branding for the end-borrower.

  • Role-Based Access Control (RBAC): Administrators can define user access with granularity. Access can be restricted by role (e.g., Underwriter vs. Sales Associate), function (e.g., Read-Only vs. Edit), or geography.

  • White Labeling: Messaging, disclosures, and UI screens can be customized via no-code tools to match specific brand requirements.

5. Technical Extensibility & Integrations

Pro environments have access to advanced integration features for data exchange and third-party services.

  • API Access: The PayPlan API library allows for read/write access to integrate platform data with internal CRMs, data warehouses, or proprietary scoring models.

  • Premium Integrations: The platform supports connections to third-party tools for specific workflows, including:

    • Communications: VoApps, Twilio.

    • Payment Processing: PayLiance, FlexPay.

Implementation Scope

For users upgrading to or launching on Pro, the standard implementation timeline is approximately 45 days. This period is utilized for:

  • Designing and testing underwriting rules.

  • Configuring custom roles and permissions.

  • Validating cross-program servicing logic.

Support Resources

Pro accounts are assigned a dedicated implementation lead for initial configuration and User Acceptance Testing (UAT) validation. For assistance with API documentation or configuring specific decision matrices, please contact your account representative.