Modern automotive payouts that drive results

Replace manual, check-based refund processes with a digital-first payout experience that improves delivery, eliminates operational burden and protects against compliance risk.

Accelerating automotive payouts, from refunds to rewards

LOAN & LEASE
REFUNDS

Quickly issue refunds for GAP, lease adjustments, and overpayments while reducing manual processing and escheatment burden.

BUYER 
INCENTIVES

Drive buyer engagement with flexible incentives for test drives, vehicle purchases, parts rebates, loyalty programs, and service offers.

SALES 
INCENTIVES

Motivate sales teams with reward programs that offer in-demand payment choices and flexible spending.

WARRANTY & 
REPAIR CLAIMS

Pay warranty claims or parts and repair reimbursements securely through a fully managed payout solution.

Custom Branding Capabilities

Turn every payout into an opportunity to drive engagement

Use the branded payout experience to surface personalized offers to borrowers - linking rewards, promotions, and other cross-sell opportunities directly in Onbe's recipient experience, driving engagement of your broader product ecosystem.

A better way to power your organization's payouts

IMPROVE THE EXPERIENCE

Deliver fast, digital refunds that improve satisfaction and strengthen loyalty—without disrupting your existing servicing and payment workflows.

ACCELERATE TIME TO PAYMENT

Deliver payouts in minutes—not weeks. Replace slow, manual processes with fast, digital payouts that reach the recipient quickly.

OFFLOAD COMPLIANCE BURDEN

Navigate complex state requirements with confidence. Access audit-ready reporting, built-in controls and full unclaimed property management—so your team doesn’t carry the regulatory load.

Automotive payouts are more than a back-office process

Refunds are a critical moment in the borrower journey—and getting them right matters. But delays, errors and manual processes create friction, erode trust and add work for your team. Digitizing refunds turns a pain point into a competitive advantage.

Get Started

Simplify your operations by offloading the compliance burden of issuing payouts

Onbe’s payments, fraud, and compliance experts manage your payout program from end to end, automating processes from exception management to unclaimed property handling and delivering secure, audit-ready reporting.

Fast, flexible payment delivery for any automotive payout

Send automotive refunds, loan overpayments and lease deposits to GAP and warranty cancellations—via email or SMS, offering multiple payment options including virtual cards, ACH, PayPal, Venmo, push-to-card and more, giving borrowers choice and fast access to their funds

Additional Resources

Lost in the Mail: Solving Refund Deliverability in Auto Finance
Onbe Solutions Guide: The Gateway to Engaging Payment Experiences