CFTPay is a service of Finxera Inc, NMLS ID 1168701

Crossroads Financial Technologies

The leading payments processor in the debt settlement industry.

Call Us: 1-888-348-4543

Compliant and FDIC-insured accounts for your debt relief program.


  • What is Crossroads Financial Technologies (CFT)?

    CFT has partnered with your debt settlement company to help you succeed in your debt relief program. We help you save money in an account that is separate from your regular checking or savings account. Your account has FDIC insurance, provided by our partner banks. We also make the payments to your creditors on your behalf when directed by your debt settlement company.

  • Testimonial

    “I just want to let you know that your support staff was very very nice, very courteous, very professional and I thank you all very much because right now I am going through a very hard time. We usually don't expect layoffs but they happen and when they happen we have to deal with them in the best way we can.”
    - Lillian from California

  • Your money is secure

    Your funds are held at one of our partner FDIC-insured banks, in a Special Purpose Account that you own. We follow strict data security practices which have been certified as HIPAA, SOC2 and PCI compliant.

We provide the best support for debt settlement professionals.


  • Compliant by design

    Our technology is architected with emphasis on compliance. Transaction monitoring, draft authorization audits and fee collection practice monitoring is integrated into our solution, enabling debt settlement companies to focus on servicing clients while maintaining compliance.

  • Great analytics support

    We support our partners with enterprise class business intelligence and reporting. Standard and custom reports delivered directly to your operational teams allow precise business insight and efficiencies.

  • Responsive partner support

    Our Account Management team and support teams are dedicated to partner satisfaction. From CRM integration projects to compliance, payments and deposit operations, we go the extra mile to make sure your business is fully supported.

Safe, Stable, Secure

Compliance First

Our technology was designed for compliance. We are a member of the AFCC and adhere to their published Code of Conduct. We are strong supporters of the FTC Amended Telemarketing Sales Rule and have established policies and procedures to assist our debt relief partners with compliance to the rules.

Industry Leading Technology

CFT runs on a technology stack that has been externally validated by outside auditors. Starting with Level 1 PCI certification, an industry standard promoted by Visa. We also hold certifications for SOC 2, and HIPAA. Our Special Purpose Accounts are FDIC protected through partnerships with top tier banks.

Institutional Investors

CFT is a service offered by Finxera Inc ( We are based out of the Silicon Valley and VC-backed by top tier investors including Foundation Capital, Floodgate, Baseline Ventures, Harrison Metal and Founder Collective. Our investors have invested in other great companies such as Netflix, Twitter, and Instagram.

Awesome Team

We have a talented, high-energy, results-oriented team who believes that our success, as well as the success of our consumers and partners, relies on our drive, skills and passion. We are dedicated to changing the nature of financial technology services.