This case study highlights how Heartland Credit Union improved payment operations and member service by implementing a self-service payment solution through REPAY. As a member-owned nonprofit offering a broad range of financial products and services, the credit union faced challenges with manual bill payment processing, which required significant staff time and incurred high costs for phone-based payments. Seeking a more efficient and member-friendly approach, Heartland evaluated payment providers that could support self-service capabilities and adapt to evolving digital expectations. REPAY delivered a modern payment solution that enabled members to make payments conveniently through self-service channels, reducing reliance on staff assistance and lowering operational burdens. The implemen

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