General Business & Partnership Inquiries

What is Zirtue Pay?

Zirtue is a relationship-based lending platform that allows your customers to borrow from friends or family to pay their bills directly to your business. Whether your customer is behind on payments or needs help covering an upcoming expense (like a deductible or loan payment), Zirtue provides a way for them to get the support they need, while your business gets paid in full and on time.

For on Zirtue Pay, click here

Is Zirtue a Bank or a Lender?

No. Zirtue is not a bank or a lender. We don’t lend money or make credit decisions. Instead, Zirtue acts as a platform that facilitates trusted, transparent, and automated loans between people who already know each other, friends, family, or close connections.

What recourse is there for my business if the borrower doesn’t pay the lender back?

Your business is fully paid upfront through Zirtue. Any repayment between the borrower and lender happens privately on our platform, meaning there’s no recourse or collection risk for your business.

How does Zirtue send payments to billers?

Zirtue is already connected to a nationwide biller network of over 20,000 verified businesses across industries; utilities, telecom, insurance, healthcare, finance, and more.
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If your organization is within this network, Zirtue can already send payments, remit files, and customer data securely - no additional integration required.

If you’d like to verify whether your business is already part of our network or explore how to leverage Zirtue as an alternative bill payment solution, please reach out to Billers@zirtue.com. Our team will be happy to walk you through best practices and partnership opportunities.