Built to fit the stack you already run.
CaraFin.ai isn’t a rip-and-replace. We’re an intelligent layer on top of the systems you trust — paired with proven partners on the payment rails that actually move the needle.
PayNearMe.
The payments platform purpose-built for billers and lenders — and the rail that powers every Cara-driven payment, end-to-end.
Why PayNearMe
PayNearMe was built for the customers traditional payment processors weren’t designed to serve — including the underbanked. Their unified platform spans cards, ACH, cash networks, mobile wallets, and emerging rails, all under one integration.
For auto finance specifically, that breadth matters: a meaningful share of delinquent borrowers are paid in cash or rely on alternative rails. Voice and card-only flows leave them out. PayNearMe brings them in.
What the integration delivers
- → Single integration covering every payment rail
- → Real-time payment confirmation back into the conversation
- → PCI-compliant, tokenized capture
- → Automated reconciliation and chargeback handling
- → Cash-network barcode generation for in-store payment
- → Unified reporting alongside Cara’s conversation data
PayNearMe + CaraFin.ai
Together, we deliver the only AI collections experience that meets every customer on every rail — from Apple Pay to a cash-network barcode at the corner store.
Plays well with your servicing stack.
CaraFin.ai is API-first. We integrate with the loan origination systems, servicing platforms, telephony providers, and compliance tools you already operate on.
Servicing systems
Two-way sync of account, payment, and status data with your loan management system of record.
Telephony & SMS
Compliant outbound & inbound across major SMS, MMS, and voice providers — TCPA-aware out of the box.
Identity & verification
Identity proofing and customer-info verification before any sensitive disclosure.
Compliance & recording
Full transcript export to your compliance vault, with searchable audit trails per interaction.
BI & analytics
Stream conversation outcomes, PTP performance, and Cara-driven KPIs into your BI of choice.
Live agent platforms
Seamless escalation to your existing contact center with full conversation context attached.
If you’re a partner or platform exploring a fit with CaraFin.ai, let’s talk.
Get in touch