HES FinTech Expands Partnership with Acquired.com to Deliver Recurring Payments via Visa A2A

HES FinTech, a global provider of lending and debt collection software, has expanded its partnership with Acquired.com, a payments infrastructure provider specializing in recurring commerce. 

Building on the existing collaboration, this next step introduces enhanced account-to-account (A2A) capabilities to HES LoanBox, including access to advanced account-to-account (A2A) payment capabilities. These features are available through a native, out-of-the-box integration.

Advancing Recurring Payments Infrastructure

Recurring payments are foundational across lending, insurance, utilities, and collections. However, standard methods such as direct debit and card-on-file (CoF) often involve frictions and compromises between speed, cost, and reliability.

Acquired.com tackles these limitations by unifying multiple payment rails—including cards, Direct Debit, and Open Banking, and cVRPs—within a single infrastructure. Following its recent partnership with Visa in the UK, the company now offers Commercial Variable Recurring Payments (cVRPs) via Visa A2A, a framework designed to modernize recurring payment experiences.

At the core of this infrastructure is a solid and flexible API layer that allows businesses to orchestrate payments across different rails without complex reconfiguration, supporting a scalable, multi-rail payment strategy.

What Are Commercial Variable Recurring Payments (cVRPs)?

Commercial Variable Recurring Payments (cVRPs) represent the next evolution of recurring payment technology. They support real-time, bank-to-bank transactions with built-in flexibility and transparency.

Unlike traditional methods, cVRPs operate through a structured consent model. Customers provide a one-time authorization within their banking app, defining payment limits, frequency, and duration. This approach enhances control while securing compliance with emerging regulatory standards.

Key Features of cVRPs via Visa A2A

Real-time payments

Payments are settled near-instantly via the Faster Payments network, giving businesses immediate access to funds and improving cash flow visibility.

Higher payment success rates

Confirmation of Funds checks availability before initiating a payment, thus helping reduce failed transactions and associated operational overhead.

Seamless integration

cVRPs can be layered alongside existing payment methods, allowing businesses to adopt a multi-rail strategy without restructuring their current systems.

Strategic Impact for HES LoanBox and Benefits for Customers and Borrowers

Acquired.com’s robust, developer-friendly API architecture allows HES FinTech to embed payment capabilities directly into the HES LoanBox platform with minimal engineering effort and a smooth implementation process. As a result, HES can continue to strengthen its product’s payment capabilities without adding complexity for its clients.

For HES clients the collaboration creates a more flexible and efficient payments setup across the entire lending lifecycle. It helps reduce failed payments, improve cash flow visibility, and support more predictable operations. Just as importantly, it gives HES clients access to an infrastructure that can support multiple payment rails in one environment, making it easier to adapt as payment expectations and market standards evolve.

For borrowers, the integration creates a smoother and more transparent repayment experience compared to traditional recurring payment methods. They can make payments through a native flow within the platform, with the convenience of account-to-account payments and the reassurance of clear consent, payment limits, and timing.

Together, these benefits help HES FinTech optimize payment strategies and deliver a more efficient payment experience for both lenders and borrowers. 

Partnering with Acquired.com is particularly important for us as we continue to strengthen our presence in the UK—one of our key strategic markets. 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. Together, we are advancing the modernization of recurring payments and bringing tangible value to lenders operating in this region.

Ivan Kovalenko

CEO, HES FinTech

About HES FinTech

Founded in 2012 and headquartered in Vilnius, Lithuania, HES FinTech is a global fintech technology provider specializing in automated end-to-end lending and loan management software for banks and financial institutions worldwide. Its product ecosystem supports the full credit lifecycle from origination and scoring to servicing and recovery, with a strong focus on compliance, security, and operational efficiency.

About Acquired.com

Founded in 2016, Acquired.com provides a unified payments infrastructure combined with a highly personalised service. The company enables businesses to optimise recurring payments across multiple rails, reducing complexity and improving performance. Its mission is to become a core component of the payments ecosystem for recurring commerce by anticipating and responding to evolving customer needs.