Fortify vs Paycove
Fortify offers students loans and payment plans, with a servicer and a way to sell plans for cash. Paycove runs the school's own no-interest plan from the CRM you already use, and pays each campus into its own account and books.
Checked against Fortify's own pages on 1 Oct 2026. Out of date? support@paycove.io
Jordan Reyes · $14,800Denver campus · 14-month programEnrolled
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••0937 ••2210 
What you keep with Paycove.
No new application.
- Plan built from the enrollment
- HubSpot or Pipedrive stays
- Balance written back
Each campus, its own account.
- Its own Stripe account
- Its own QuickBooks or Xero file
- Card fee recovered where allowed
A plan from the school.
- No interest, no lender, no credit check
- Your name on every invoice
- Reminders come from you
You want lender-funded loans for some students, or you want to sell your payment plans for cash up front.
Side by side.
| Paycove | Fortify | |
|---|---|---|
| What it is | The payment plan and the books | Student financing: loans, payment plans, and a way to sell plans |
| Whose plan | The school's. No interest, no lender, no credit check | A loan or plan through Fortify. Credit scores are used for loans, and interest may apply |
| Who students pay | Your school, on your own checkout | A loan servicer, for ongoing payments |
| When you get paid | As students pay, into each campus's account | As students pay, or a one-time payment if you sell the plan |
| Your CRM | Built from the deal in HubSpot or Pipedrive | No CRM integration described on its pages |
| Card fees | Recovered where allowed, on each campus's books | Not described on its pages |
| Campuses | Each with its own Stripe account and books | Not described on its pages |
| Price | $500 a month plus 1%. Pricing | No flat fees. Fortify is paid when the school is |
Questions.
Is a Paycove plan a loan?
No. It's a plan from your school with no interest, no lender and no credit check. The money lands in your campus's Stripe account.
Do students need a credit check?
No. Paycove doesn't check credit, so you can enroll a student a lender would turn down. 15,000+ students have paid for a program this way on Paycove.
Can we sell our plans for cash up front with Paycove?
No. Paycove isn't a lender or a buyer of plans. The money arrives as students pay, into each campus's own account.
Who do students pay?
Your school. They pay on a checkout with your name on it, by card or bank transfer, and get email reminders before each payment.
We have several campuses.
One account runs them all, each with its own bank account and books. Paycove for schools.
Built for schools collecting $100K a month or more.
More than one campus, students who pay over time, and each campus with its own payouts and books.
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