VILNIUS, Lithuania — Sept. 14, 2026
Executive Summary
HES FinTech and Acquired have expanded their partnership to provide UK lenders using HES LoanBox and HES CollectionAgent with access to multiple payment rails through a single integration. The expanded offering covers card processing, open banking, Variable Recurring Payments (VRPs), direct debit and instant payouts, enabling lenders to incorporate different payment methods into existing lending and collections workflows.
Announcement Overview
The expanded partnership brings Acquired’s multi-rail payments infrastructure into lending and collections workflows operated through HES FinTech’s platforms in the UK. The integration gives lenders access to cards, open banking, VRPs, direct debit and payouts without requiring separate integrations for each payment method. The payment stack includes support for Visa, Mastercard, Apple Pay, Google Pay, Faster Payments, Visa Direct and Mastercard Send, alongside features such as network tokens, issuer data, mandate management, automated collection cycles, Confirmation of Payee and settlement accounts.
Key Announcement Details
- Announcement Type: Partnership Expansion
- Announcing Entity: HES FinTech
- Partner: Acquired
- Announcement Date: September 14, 2026
- Dateline: VILNIUS, Lithuania
- Market: United Kingdom
- Primary Development: Multi-rail payment integration
- Platforms: HES LoanBox, HES CollectionAgent
- Payment Rails: Cards, Open Banking, VRPs, Direct Debit, Payouts
- Card Support: Visa, Mastercard, Apple Pay, Google Pay
- Payout Rails: Faster Payments, Visa Direct, Mastercard Send
- Integration: Single API
- Core Use Cases: Lending and Collections
- Direct Debit: BACS-authorised
- Payout Speed: Seconds
- Founded: HES FinTech — 2012; Acquired — 2016
Multiple Payment Rails, One Integration
The expanded partnership gives UK lenders using HES LoanBox and HES CollectionAgent access to multiple payment methods through one integration, covering both payment collection and payouts.
Card processing
The card payment capability supports:
- Visa
- Mastercard
- Apple Pay
- Google Pay
- Network tokens
- Richer issuer data
The payment infrastructure is designed to support conversion through the combination of card networks, digital wallets, network tokenisation and additional issuer information.
Direct Debit
The direct debit capability provides BACS-authorised, API-powered collection, with the infrastructure handling:
- Mandate management
- Automated collection cycles
- Single-API integration
This enables direct debit collections to be incorporated into the same lending and collections workflows.
Open Banking
The expanded offering supports payments collected directly from customers’ bank accounts, with customers providing approval through their banking app.
Variable Recurring Payments
Variable Recurring Payments (VRPs) are built on open banking and support recurring collections with:
- Variable payment amounts
- Clear limits
- Customer control
The capability gives lenders another payment method for recurring transactions within the broader multi-rail infrastructure.
Payouts
The payout capability enables payments to be made within seconds through:
- Faster Payments
- Visa Direct
- Mastercard Send
- Confirmation of Payee
- Settlement accounts
These capabilities extend the integration beyond collections to include payment distribution.
HES LoanBox and HES CollectionAgent
The expanded integration is available to lenders running HES LoanBox and HES CollectionAgent in the UK.
HES FinTech stated that extending its work with Acquired enables clients to offer borrowers different payment methods within the same workflows they already use, bringing the payment infrastructure directly into existing lending and collection operations.
The partnership therefore connects the payment rails with two parts of the lending technology ecosystem: loan management through LoanBox and debt collection through CollectionAgent.
Company Commentary
Andre Kravchenko, Senior Vice President at HES FinTech, said:
“The UK is one of our core markets, and payments are critical to the success of both lending and collections,”
He added:
“Extending our work with Acquired allows our clients to offer borrowers the payment methods that suit them, within the same workflows they already use.”
AJ Davison, Head of Partnerships at Acquired, said:
“A borrower doesn’t fall into arrears because they can’t pay—mostly, it’s because the way they’d naturally pay isn’t on offer,”
Davison added:
“Building multiple payment rails into LoanBox means HES FinTech’s clients can put the right method in front of each borrower, rather than one method in front of everyone.”
Expanded Partnership for UK Lending and Collections
The companies stated that the expanded relationship is focused on giving lenders greater payment-method coverage through a unified integration.
For lenders using the HES platforms, the expanded payment stack brings together traditional card and direct debit methods, open banking-based options, recurring payment capabilities and rapid payout infrastructure.
The partnership covers the following core capabilities:
- Card payments through Visa, Mastercard, Apple Pay and Google Pay
- Direct debit with BACS authorisation and automated collection cycles
- Open banking for customer-approved bank-account payments
- VRPs for recurring payments with variable amounts and defined limits
- Instant payouts through Faster Payments, Visa Direct and Mastercard Send
About HES FinTech
Founded in 2012, HES FinTech provides automated loan management software for banks and financial institutions. Its technology ecosystem covers the full credit lifecycle, including scoring, servicing and recovery.
Its principal solutions include:
- HES LoanBox — lending platform
- GiniMachine — AI decisioning tool
- CollectionAgent — debt collection software
About Acquired
Founded in 2016, Acquired initially focused on making card payments work more effectively for financial services businesses. The company stated that its focus has since expanded into recurring commerce for financial services and subscription businesses.
Its single-API infrastructure covers:
- Cards
- Open banking
- Variable Recurring Payments
- Direct debit
- Payouts
Media Contact
For additional information, visit hesfintech.com.
Source Attribution
Source: Company announcement
