Seattle Credit Union Taps Alacriti to Modernize Digital Loan Payments via Orbipay

Seattle Credit Union has implemented Alacriti’s Orbipay Loan Payments to consolidate its payment vendors and digitize the borrower experience. For fintech professionals, this move highlights the ongoing trend of credit unions replacing fragmented legacy systems with cloud-native, API-first platforms to meet member expectations for seamless, multi-channel loan servicing and reduced operational friction.

What was announced

Seattle Credit Union selected Alacriti’s Orbipay Loan Payments to modernize its loan payment infrastructure, moving away from manual processes in favor of a more intuitive digital solution. The implementation, which was completed in eight weeks, allows the credit union to consolidate multiple payment vendors into a single cloud-native platform. This shift is designed to simplify the management of loan payments for members while reducing the operational complexity faced by internal staff.

The new system introduces several key capabilities that were previously handled through manual or staff-assisted requests. Members can now make payments using external bank accounts via ACH or utilize debit cards for their transactions. Furthermore, the platform provides real-time access to loan information, including payoff amounts and payment history, through a unified digital experience. By integrating with the credit union’s existing core and digital banking systems, the API-first platform ensures that data flows across the institution's infrastructure without the need for manual intervention.

The solution is intended to support the credit union’s long-term digital strategy by providing a flexible foundation for evolving services. The move to a single platform for loan payments addresses the common industry challenge of fragmented payment experiences, where borrowers often have to navigate different interfaces or manual steps depending on their payment method or the type of loan they are servicing.

"We weren't looking for another point solution—we wanted a platform that could support where we're headed as an organization,"

Mylisa Randolph, Vice President of Support Services at Seattle Credit Union

The companies involved

Alacriti is a prominent provider of cloud-based payment technology and money movement solutions, focusing on helping financial institutions unify their payment infrastructure. The company’s Orbipay platform is designed to handle various payment types and channels, catering specifically to the needs of banks and credit unions looking to modernize their digital offerings. Alacriti has established a significant footprint in the fintech space, with a focus on cloud-native architecture and API-first integration strategies that allow for rapid deployment and scalability. The firm has recently focused on scaling its infrastructure, supported by key executive appointments in its finance and product divisions.

Seattle Credit Union is a financial institution dedicated to providing member-focused banking and lending services. Like many credit unions in the current market, it is increasingly focused on digital transformation to compete with larger national banks and agile fintech challengers. By prioritizing the member experience through technology investments, the institution aims to reduce the need for manual servicing and improve overall satisfaction. The partnership with Alacriti represents a strategic effort to move beyond isolated point solutions and adopt a more holistic approach to payment processing and loan servicing.

What FF News has reported before

FF News has closely followed Alacriti’s expansion and its role in the modernization of credit union infrastructure, with 16 previous stories covering the company's developments. In September 2026, the publication reported that Center Parc Credit Union Taps Alacriti for Loan Modernization and Real-Time Payments, a move that mirrors Seattle Credit Union's recent implementation. Earlier that month, the company also launched its Alacriti Launches Nationwide Payments Masterclass Roadshow for Financial Institutions to educate the market on evolving payment standards. Additionally, the firm strengthened its leadership team in August 2026 when Alacriti Appoints Michael Lovell as CFO to Scale Cloud Payments Infrastructure, signaling a focus on operational scaling and long-term growth.

What this means

The consolidation of payment vendors into a single cloud-native platform is becoming a survival requirement for credit unions. As members demand the same frictionless experience for loan repayments as they do for retail P2P transfers, institutions sticking to manual, staff-assisted processes face significant operational drag. This move puts pressure on legacy core providers who have traditionally bundled sub-par payment modules. The speed of implementation—eight weeks—suggests that the barrier to entry for modernizing these specific workflows is dropping, leaving little excuse for institutions to maintain fragmented, multi-vendor environments that frustrate both employees and borrowers. The industry is clearly shifting toward API-first solutions that prioritize interoperability over closed ecosystems.