FLEX Payment Solutions
LMS and Secure Payments are integrated with FLEX Payment Solutions. FLEX is a payment processor that handles card and ACH transactions, including same-day ACH. Visit FLEX Payment Solutions for more information.
Before you create a FLEX processor in LMS, you'll need to sign up for an account with them on their website.
Setup
FLEX Connector Bank Account/ACH
You can set up a FLEX processor in both Secure Payments or our loan management system (LMS). No matter where you set it up, they will link to each other.
From Secure Payments
To set up a FLEX processor in Secure Payments, navigate to Processors > Bank Account/ACH (USA) > Flex. Click the plus button at the top right to add a new FLEX processor.
You should see the following fields available for Flex:
- Name
- Username
- Sandbox demo mode
- Password
- Client ID
- Client Secret
- Card Gateway Private API Key
- FLEX Access Token
- FLEX Access Token Expiration
- FLEX Company Code
Once you've set up your FLEX processor, click ‘Save.’ You are now ready to begin processing payments.
From LMS
To set up a FLEX processor in LMS, Navigate to Settings > Company > Merchant > Secure Payments > Bank Account/ACH (USA) > Add Processor. Select ‘Flex’ as the ’Processor Type' from the dropdown menu.
You should see the following fields available for SpeedChex:
- Name
- Username
- Sandbox demo mode
- Password
- Client ID
- Client Secret
- Card Gateway Private API Key
- FLEX Access Token
- FLEX Access Token Expiration
- FLEX Company Code
Settings
There are also several settings options to help you get the most from your FLEX account. Here are some examples:
| Setting | Description |
| Bypass Processing | This lets you skip the payment processing step for certain scenarios, like those that require a manual review and processing at a later date. |
| Auto Reversal | Selecting this option will automatically reverse payments in the LoanPro system if they are returned by FLEX, since it usually takes approximately 3 days for an eCheck payment to go through. If there aren’t sufficient funds to cover the payment or the payment is returned, this setting will let you avoid looking up and manually reversing returned payments in your system. |
| Default Processor | This option will let you set this processor as your default. |
Once you've set up your FLEX processor, click ‘Save’. You are now ready to begin processing payments.
Once you've got your processor set up in LMS, you'll be able to select that processor when logging ACH payments. Our logging payments article gives you the step by step instructions.
FLEX Connecter Card
Like with Bank Account/ACH, you can also set up your FLEX Connecter Card in one of two ways:
From Secure Payments
To set up a FLEX processor in Secure Payments, navigate to Processors > Bank Card > FLEX. Click the plus button at the top right to add a new FLEX processor.
You should see the following fields available for Flex:
- Name
- Username
- Sandbox demo mode
- Password
- Client ID
- Client Secret
- Card Gateway Private API Key
- FLEX Access Token
- FLEX Access Token Expiration
- FLEX Company Code
Once you've set up your FLEX processor, click ‘Save.’ You are now ready to begin processing payments.
From LMS
To set up a FLEX processor in LMS, Navigate to Settings > Company > Merchant > Secure Payments > Debit/Credit Card > Add Processor. Select ‘Flex’ as the ’Processor Type' from the dropdown menu.
You should see the following fields available for SpeedChex:
- Name
- Username
- Sandbox demo mode
- Password
- Client ID
- Client Secret
- Card Gateway Private API Key
- FLEX Access Token
- FLEX Access Token Expiration
- FLEX Company Code
Settings
There are also several settings options to help you get the most from your FLEX account. Here are some examples:
| Setting | Description |
| Bypass Processing | This lets you skip the payment processing step for certain scenarios, like those that require a manual review and processing at a later date. |
| Auto Reversal | Selecting this option will automatically reverse payments in the LoanPro system if they are returned by FLEX, since it usually takes approximately 3 days for an eCheck payment to go through. If there aren’t sufficient funds to cover the payment or the payment is returned, this setting will let you avoid looking up and manually reversing returned payments in your system. |
| Default Processor | This option will let you set this processor as your default. |
Once you've set up your FLEX processor, click ‘Save’. You are now ready to begin processing payments.
Once you've got your processor set up in LMS, you'll be able to select that processor when logging card payments. Our logging payments article gives you the step by step instructions.
Same-day ACH options
Same-day ACH is optional for both your FLEX Connecter Bank Account/ACH and your FLEX Connecter Card to allow the processing of credit, debit, and return transactions several times per day. If same-day ACH is disabled, transactions will take one to three business days to process.
- Enable/disable: Toggle the same-day processing feature
- Same-day cutoff: Specify the cutoff for same-day processing.
- Time zone: Set the applicable time zone for cutoff times.
Same-day ACH payment cut off processing times include:
- 9:00 AM CT
- 12:30 PM CT
- 2:30 PM CT
- 9:30 PM CT (will post first thing next morning)
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