VILNIUS, Lithuania — May 6, 2026
Executive Summary
HES FinTech has expanded its partnership with Acquired.com to introduce Commercial Variable Recurring Payments (cVRPs) powered by Visa A2A into the HES LoanBox platform through a native integration. The development is designed to support the modernization of recurring payments for lenders, banks, fintechs, and financial institutions by enabling real-time account-to-account payment capabilities within existing lending and collections workflows.
The expanded collaboration combines Acquired.com’s payment infrastructure with HES LoanBox’s lending automation capabilities, allowing clients to access multiple payment rails through an out-of-the-box implementation. The integration is intended to reduce failed payments, improve operational efficiency, enhance repayment visibility, and provide borrowers with increased transparency and control over recurring payment authorization and scheduling.
Announcement Overview
HES FinTech announced that its partnership with Acquired.com has been expanded to include the integration of Visa A2A-powered cVRPs directly into the HES LoanBox platform. According to the companies, the latest development introduces next-generation recurring payment capabilities into lending and debt collection operations through Acquired.com’s API-first payment infrastructure.
The integration enables HES LoanBox users to access account-to-account recurring payments within their operational workflows without requiring extensive engineering implementation. The companies stated that the collaboration is focused on improving recurring payment experiences across lending and collections while supporting operational scalability and payment reliability.
The announcement also highlights the increasing importance of modern payment infrastructure within industries that rely heavily on recurring transactions, including lending, utilities, insurance, and debt collection services. The expanded partnership aims to provide clients with access to evolving payment technologies while supporting transparency, consent management, and operational efficiency.
Key Announcement Details
• Announcement Type: Partnership expansion and recurring payments integration
• Companies Involved: HES FinTech and Acquired.com
• Technology Introduced: Commercial Variable Recurring Payments (cVRPs) powered by Visa A2A
• Platform Integration: Native out-of-the-box integration within HES LoanBox
• Payment Infrastructure: API-first architecture developed by Acquired.com
• Primary Objective: Modernization of recurring payment operations for lenders and financial institutions
• Supported Payment Rails: Cards, Direct Debit, Open Banking, and cVRPs
• Banking Network Used: Faster Payments via Visa A2A
• Operational Feature: Pre-transaction Confirmation of Funds checks
• Target Users: Fintechs, banks, lenders, and financial institutions using HES LoanBox
• Customer Benefit: Greater transparency, payment control, and reduced repayment friction
• Business Benefit: Reduced failed payments, improved cash flow visibility, and operational efficiency
• Deployment Model: Rapid deployment with minimal engineering requirements
• Consent Structure: Structured authorization through banking applications with defined payment limits and duration settings
• Headquarters of HES FinTech: Vilnius, Lithuania
• Founded: HES FinTech (2012), Acquired.com (2016)
• HES FinTech Focus: End-to-end lending and debt collection software
• Acquired.com Focus: Unified recurring payments infrastructure across multiple payment rails
Recurring Payments and Industry Infrastructure Modernization
Recurring payment systems continue to play a central role across financial services sectors where installment-based repayment structures and subscription-oriented billing models require consistent and predictable payment collection mechanisms. According to the announcement, traditional recurring payment methods such as direct debit and card-on-file arrangements have historically involved tradeoffs associated with processing speed, transaction costs, operational reliability, and payment failure management.
The partnership between HES FinTech and Acquired.com is positioned around addressing these operational challenges through infrastructure modernization and expanded payment rail support. The companies stated that Acquired.com unifies multiple payment methods within a single infrastructure environment, including:
• Card payments
• Direct Debit capabilities
• Open Banking functionality
• Commercial Variable Recurring Payments (cVRPs)
The latest expansion of the partnership also incorporates Acquired.com’s UK partnership with Visa, extending the availability of Visa A2A capabilities into the HES LoanBox ecosystem. According to the companies, the integration is intended to provide lenders and financial institutions with a more flexible and scalable recurring payments framework while reducing operational friction associated with legacy recurring payment models.
The announcement further emphasizes that the integration is designed to support evolving market standards as payment technologies continue to develop across the financial services industry.
Commercial Variable Recurring Payments and Visa A2A Capabilities
The companies described Commercial Variable Recurring Payments (cVRPs) as the next evolution of recurring payment technology. According to the announcement, cVRPs enable real-time bank-to-bank payments through a structured consent framework that allows customers to authorize recurring transactions directly from their banking applications.
Under the described consent model, borrowers and customers authorize payment arrangements once while establishing predefined controls that may include:
• Payment limits
• Frequency parameters
• Duration settings
• Consent visibility and management controls
The companies stated that the structure is intended to provide borrowers with greater transparency and control over recurring payment activity while also improving operational reliability for lenders and financial institutions.
Visa A2A delivers these cVRP capabilities through the Faster Payments network. According to the announcement, the implementation includes pre-transaction Confirmation of Funds checks designed to reduce payment failures before transactions are initiated. The companies stated that these checks contribute to operational efficiency improvements while helping reduce failed payment processing events within lending and collections environments.
The integration also reflects broader developments in account-to-account payment adoption and recurring payment infrastructure modernization across financial services ecosystems. According to the announcement, the implementation is designed to support scalable recurring commerce operations while reducing friction associated with payment collection and repayment processing.
Integration Within HES LoanBox
At the center of the expanded partnership is Acquired.com’s API-first architecture, which has been integrated directly into the HES LoanBox platform. According to the companies, the infrastructure has been designed to embed payment capabilities into lending workflows while minimizing deployment complexity and engineering requirements.
The native integration enables HES LoanBox clients to access account-to-account payment capabilities directly within the platform environment. The companies stated that the implementation supports rapid deployment while allowing lenders and financial institutions to integrate recurring payment functionality into operational processes without extensive custom development.
The announcement noted that the integration provides access to multiple payment rails through a unified infrastructure layer. This functionality is intended to support payment flexibility while allowing institutions to adapt to changing payment standards and operational requirements over time.
According to the companies, the embedded infrastructure supports several operational objectives, including:
• Reducing failed payments
• Improving repayment visibility
• Supporting recurring collections workflows
• Enhancing operational efficiency
• Providing scalable payment infrastructure
• Reducing engineering implementation requirements
The integration also aligns payment processing capabilities with LoanBox’s existing lending automation and loan management functionality, enabling recurring payment operations to function within broader servicing and collections workflows.
Operational Benefits for Lenders and Financial Institutions
The companies stated that HES LoanBox clients, including fintech companies, banks, and financial institutions, will gain immediate access to account-to-account payment functionality through the expanded integration.
According to the announcement, the partnership is intended to support operational improvements across lending and collections environments by providing infrastructure that enhances payment reliability and workflow efficiency. Specific operational areas referenced in the announcement include:
• Cash flow visibility improvements
• Reduced payment failure rates
• Support for multiple payment rails
• Recurring payment workflow optimization
• Operational streamlining across collections and servicing
The companies also emphasized that the integration is intended to support evolving payment standards while helping institutions maintain flexibility in payment processing strategies.
Within lending operations, recurring payment reliability is closely connected to servicing efficiency, collections management, and repayment predictability. According to the announcement, the expanded partnership aims to provide institutions with infrastructure that integrates directly into operational systems while supporting scalable recurring payment execution.
The implementation also reflects the increasing adoption of embedded payment infrastructure within lending software environments, where payment functionality is integrated directly into operational platforms rather than managed through disconnected external systems.
Borrower Experience and Consent-Based Payment Controls
The companies stated that borrowers using the payment functionality integrated within HES LoanBox will benefit from a more streamlined repayment experience supported by structured authorization controls and increased payment transparency.
According to the announcement, customers authorize recurring payment arrangements through their banking applications while defining payment conditions in advance. The companies stated that this consent-based structure is designed to provide borrowers with:
• Clear payment authorization visibility
• Defined payment limits
• Control over recurring payment timing
• Greater transparency into repayment arrangements
• Reduced repayment friction
The announcement noted that the integration is intended to support trust-building between lenders and borrowers through transparent payment authorization frameworks and clearly defined recurring payment structures.
The companies also indicated that the consent model associated with cVRPs contributes to operational clarity while supporting compliance-oriented recurring payment management practices.
Statements From Company Leadership
Ivan Kovalenko, Founder and Chief Executive Officer of HES FinTech, commented on the expanded partnership and the role of the collaboration within the UK fintech ecosystem.
According to the announcement, Kovalenko stated:
“Working with a provider that is deeply embedded in the UK fintech ecosystem allows us to deliver more relevant, compliant, and forward-looking payment capabilities to our clients.”
The statement highlights the company’s focus on delivering payment functionality that aligns with evolving fintech infrastructure requirements and operational expectations within lending environments.
Gregory Cox, Founder and Chief Executive Officer of Acquired.com, also commented on the collaboration and the integration of account-to-account payment capabilities within HES LoanBox.
According to the announcement, Cox stated:
“Our ongoing collaboration with HES FinTech enables us to embed advanced A2A capabilities directly into the platform, ensuring that users can manage collections and recurring payments with minimal friction. Combining our payment infrastructure with LoanBox’s automation streamlines operations and improves customer experience.”
The statement reflects the companies’ shared focus on recurring payment optimization, collections workflow management, and infrastructure integration within lending operations.
Payment Infrastructure and Multi-Rail Support
The announcement places significant emphasis on the importance of multi-rail payment support within recurring commerce environments. According to the companies, the unified infrastructure developed by Acquired.com allows institutions to access multiple recurring payment methods through a consolidated framework.
The payment rails referenced in the announcement include:
• Card payment infrastructure
• Direct Debit systems
• Open Banking connectivity
• Commercial Variable Recurring Payments (cVRPs)
The integration within HES LoanBox is intended to provide clients with the flexibility to operate across multiple payment standards while adapting to changes in recurring payment technologies and operational requirements over time.
According to the companies, the implementation is designed to support long-term payment infrastructure scalability while reducing complexity associated with fragmented payment ecosystems.
About HES FinTech
HES FinTech was founded in 2012 in Vilnius, Lithuania and provides automated end-to-end lending and loan management software for banks and financial institutions operating across global markets.
According to the announcement, the company’s software platform supports the full credit lifecycle, including:
• Loan origination
• Credit scoring
• Loan servicing
• Debt recovery and collections management
The company’s technology infrastructure is designed to support lending operations through automation and workflow management capabilities that enable financial institutions to manage credit-related processes across multiple operational stages.
The integration of recurring payment functionality into HES LoanBox further expands the platform’s operational scope by incorporating account-to-account recurring payment infrastructure directly into lending and collections workflows.
About Acquired.com
Acquired.com was founded in 2016 and provides unified payments infrastructure designed to support recurring commerce operations across multiple payment rails.
According to the announcement, the company focuses on helping businesses optimize recurring payment operations while reducing complexity associated with payment management systems and infrastructure fragmentation.
The company’s infrastructure supports multiple recurring payment mechanisms and operational frameworks intended to improve payment performance and transaction reliability. According to the announcement, Acquired.com’s platform combines multiple payment capabilities within a single infrastructure environment to support scalable recurring commerce operations.
The partnership with HES FinTech extends these capabilities into lending and collections software workflows through direct infrastructure integration and account-to-account payment enablement.
Media Contact
For additional information, visit hesfintech.com.
Source Attribution
Source: Company announcement
