Direct Interchange Savings
- Unlock discounts from Day 1 with interchange savings passed directly to you.
Debit
Debt Repayment Interchange Discount Program
Reduce your Interchange Fees through the Debt Repayment Interchange Discount Program Enrollment with Payliance.
ACH Processing
ACH Processing
Process Automated Clearing House (ACH) and manage the way you collect payments.
Credit and Debit
Debit and Credit Card Processing
Give your customers access to the payment options they use every day.
RTP
Real Time Payments (RTP)
Expand your options by providing your consumers the latest in real-time funding capabilities with RTP.
RTF
Debit Card Processing with Real-time Funding (RTF)
Money on-demand when your customers need it.
Mobile Service
Loan Repayment Mobile Service
Make it easier for your customers to manage and repay their loans.
RCC
Remotely Created Checks (RCC)
Manage payment processing and return rates seamlessly with RCC.
Check Conversion
Check Conversion
Conversion solutions that generate cost-efficiencies.
Back Office Processing
Back Office Processing
Empower Your Payment Processing with Seamless ACH Solutions
Solutions
Debt Repayment Interchange Discount Program
Reduce your Interchange Fees. Unlike other payment processors, we pass the savings back to you and enroll you faster.
Download Debt Repayment Interchange Discount Program Enrollment Solution Brief
Reduce Transaction Costs
- Enjoy the benefit without any hidden fees or complicated calculations.
Pricing Transparency
- Full disclosure fee schedule means no costly billing surprises. Payliance’s cost plus pricing structure means you recognize the benefits of your interchange discounts.
Consumer Convenience
- 77% of surveyed consumers who make loan payments via debit card cite conveniences as their top reason.
Real-Time Payment Confirmation
- With real-time payment confirmation, gain peace of mind knowing that each transaction will clear seamlessly.
Enhanced Security
- Benefit from enhanced security measures that protect both your business and your borrowers’ sensitive information
Solutions
ACH Processing
Efficient, reliable, low-cost all in one package. Process Automated Clearing House (ACH) and manage the way you collect payments. Offers the flexibility to deliver payments and funding on your desired schedule. Utilizing our strong banking relationships, we provide you with the reliable service you expect for a cost that supports your business.
Advantage Payment Systems (APS) Advantage ACH is now Payliance.
Servicing for Both Storefronts and Online Merchants
- Flexible configuration options that allow for differentiated reporting, settlement and invoices based on your business make-up
Pre-Integrated to many Payment Gateways and Loan Management Systems (LMS)
Payment speed is in your control with numerous processing options
- Same Day – made available to the consumer the same business day
- Next Day / Standard – made available to the consumer as soon as the following business day morning
Multiple integration methods available
- Batch – Make processing ACH transactions simple with our easily integrated batch solution
- API – Seize the full potential of our solutions by integrating payments and accounting processes.
- Sandbox environment for developer testing
Proven compliance features
- Built-in industry specific compliance features supporting merchants for over a decade
- Knowledgeable staff to help guide you to a tailored solution to meet your compliance needs
- Regular Nacha audits performed for processing compliance
- Multiple Originating Deposit Financial Institution (ODFI) relationships for maximum reliability
Reliable solutions with late cut-off times and non-business day processing
- Enjoy some of the industry’s latest cut-off times for next-day funds availability to support West Coast operations
- Initiate transactions on holidays and weekends
- Pay nothing additional for ACH transactions initiated on Sundays, posting as soon as Monday.
- Recurring and Future Dated Payment options available
- Pay by Phone – Allow customers to pay over the phone with their checking account.
Fraud Detection and Prevention
- Account information is validated up front, reducing the chance of fraud.
- Save money by blocking unauthorized or administrative returns before they occur
- Integrated options to support the Nacha WEB debit Bank Account Validation rule
Online Full-Service Merchant Portal with Cloud-based Reporting
- Stay on top of your business with online, real-time reporting capabilities via our merchant portal
Web-based Merchant Virtual Terminal
- Payliance’s Virtual Terminal offers a powerful and secure payment platform for processing and managing your payments – all in a single web-based portal.
Solutions
Debit and Credit Card Processing
Give your customers access to the payment options they use every day. With Payliance, you get access to best-in-class card processing solutions coupled with an experienced team of industry experts to help you achieve your organizational goals. With built-in capabilities such as always available, secure APIs and tokenization we take the hassle out of card processing.
Debit Card Processing with Real Time Funding (RTF) Product Brief
Fast approval process and onboarding
Pre-Integrated to numerous Payment Gateways and Loan Management Systems (LMS)
Broad card network coverage
- Transactions authorized immediately through debit card network eliminating the cost of ACH returns while increases lending velocity
- 100% debit card coverage in the USA
- Accepting all major credit card types for applicable transaction types
- Least cost routing technology minimizes transaction costs while delivering the most efficient payment experience
- Network interchange discount programs available
Simple, secure API Integration – PCI-DSS Level 1 Certified
- Real-time funding and debit payment processing utilize a single API, providing dual access to the full universe of card networks through a straightforward, secure platform.
- Servers hosted in Standards for Attestation Engagements (SSAE16) certified facilities.
- Threat monitoring and intrusion detection managed 24/7 by the security operations center
- Payment Page and iframe plug-in options available to reduce your organization’s PCI scope
- Sandbox environment for developer testing
Tokenization
- Replace sensitive card data with a unique identifier that can be stored and reused
- Lower your costs by reducing the overhead associated with PCI compliance
- Increased security by tokenizing data rendering unusable if ever compromised on your system
- Ideal solution for scheduled debt repayments
Online Full-Service Merchant Portal with Cloud-based Reporting
- Stay on top of your business with online, real-time reporting capabilities via our web-based merchant portal
Web-based Merchant Virtual Terminal
- Payliance’s Virtual Terminal offers a powerful and secure payment platform for processing and managing your payments – all in a single web-based portal.
Compliant Convenience Fee Options Available
Card Account Updater
- Increase card authorization rates while reducing cost of declined authorizations
- Payliance handles integration and automated updates on your behalf
- Clear streamlined reporting via Payliance Merchant Portal
- Secure Processing: PCI is maintained by leveraging token enabled process
Solutions
Real Time Payments (RTP)
Expand your options by providing your consumers the latest in real-time funding capabilities with RTP. RTP enables lenders to push loan funds in real-time, 24/7/365, through a wide network of participating financial institutions using only a consumer’s existing bank account credentials to seamlessly give consumers the funding they need, when they need it.
Cost-efficient, low friction disbursement method
Immediate Availability
- Consumers able to receive funds in their accounts within seconds.
Funding Certainty
- Build consumer confidence by alleviating the guessing game on when funds will be applied to a consumer’s account
Online Full-Service Merchant Portal with Cloud-based Reporting
- Stay on top of your business with online, real-time reporting capabilities via our web-based merchant portal
Web-based Merchant Virtual Terminal
- Payliance’s Virtual Terminal offers a powerful and secure payment platform for processing and managing your payments – all in a single web-based portal.
Solutions
Debit Card Processing with Real-time Funding (RTF)
Money on-demand when your customers need it by funding customers instantly. More than any other industry we serve, speed and execution are critical for lenders. Disburse loan proceeds to consumers instantly on-the-go, anywhere, anytime, and use the same card to accept payments on those loans. Our solution is available for all the most prominent use cases allowing maximum flexibility and reducing the need for in-store cash and vault services.
Debit Card Processing with Real Time Funding (RTF) Product Brief
Industry expertise at your service
- By leveraging our deep payments knowledge our debit card funding solution is designed to improve your bottom line.
- Attract more borrowers with instant fund disbursements to any debit card in the USA
- Our solution pushes payments instantly to a borrower’s existing debit card 24/7
Simple, secure API Integration – PCI-DSS Level 1 Certified
- Real-time funding and debit payment processing utilize a single API, providing dual access to the full universe of card networks through a straightforward, secure platform.
- Servers hosted in Standards for Attestation Engagements (SSAE16) certified facilities.
- Threat monitoring and intrusion detection managed 24/7 by the security operations center
- Payment Page and iframe plug-in options available to reduce your organization’s PCI scope
- Sandbox environment for developer testing
Tokenization
- Replace sensitive card data with a unique identifier that can be stored and reused
- Lower your costs by reducing the overhead associated with PCI compliance
- Increased security by tokenizing data rendering unusable if ever compromised on your system
Online Full-Service Merchant Portal with Cloud-based Reporting
- Stay on top of your business with online, real-time reporting capabilities via our web-based merchant portal
Web-based Merchant Virtual Terminal
- Payliance’s Virtual Terminal offers a powerful and secure payment platform for processing and managing your payments – all in a single web-based portal.
Convenience Fee Options Available
Solutions
Loan Repayment Mobile Service
In today’s fast-paced digital economy, merchant lenders need a robust, mobile-first solution to enhance loan repayment rates and improve customer satisfaction. Payliance’s Loan Repayment Mobile Service does just that by integrating seamlessly with Payliance ACH and/or Card processing.
Designed as a white-label solution, it allows lenders to strengthen their value proposition and deepen trust with a cohesive brand experience. With our platform, streamline the loan management processes and watch customer retention rates soar.
To learn more, download the Loan Repayment Mobile Service Brief or email us at salesinquiry@payliance.com.
Solutions
Remotely Created Checks (RCC)
Manage payment processing and return rates seamlessly with RCC. Remotely Created Check (RCC) processing is a cost-effective solution for merchants whose business model isn’t a fit for ACH. An RCC is a digital image of a paper item (eCheck) originated with proper authorization from consumer checking account information held on file, but without the consumer’s original signature. Easily process payments with this reliable solution that has been perfected over years of working with our banking partners.
Improve returns management by supplementing ACH processing with RCC
Compliant with the Uniform Commercial Code (UCC), Reg CC, Reg J and the Check 21 Act
Leverage consolidated returns to control costs
- Our Consolidated Returns solution routes returned checks electronically from the Federal Reserve directly to Payliance. This results in checks being received faster and eliminating bank return fees.
- All returned items are returned directly to Payliance rather than your financial institution.
Multiple integration methods available
- Batch – Make processing RCC transactions simple with our easily integrated batch solution
- API – Seize the full potential of our solutions by integrating payments and accounting processes
Online Full-Service Merchant Portal with Cloud-based Reporting
- Stay on top of your business with online, real-time reporting capabilities via our merchant portal
Payment Gateway
- RCC payment gateway automates billing, payment acceptance and customer management to provide visibility into the status of payments and accelerate cash flow.
Web-based Merchant Virtual Terminal
- Payliance’s Virtual Terminal offers a powerful and secure payment platform for processing and managing your payments – all in a single web-based portal.
Solutions
Check Conversion
Conversion solutions that generate cost-efficiencies. You need funds quickly, but depositing paper checks in a traditional way can be time-consuming and expensive. We provide paper check conversion solutions that enable the deposit of funds without spending time driving to the bank or the expense of paying for an armored car pick-up.
Increase Process Efficiencies
- Convert paper checks into ACH transactions, eliminating paper check handling and associated expenses.
- Give customers an electronic payment option beyond credit and debit cards.
Accelerate Cash Flow by utilizing ACH payment infrastructure with minimal hardware investments.
Expert Best Practices for mail-in, drop-box, and product delivery use cases.
Transform Point-of-Sale (POS) paper checks into ACH for faster processing.
Fraud Detection and Prevention
Use strategic re-presentment logic to schedule collection when your chances are greatest
Supports POS hardware, including credit card readers, check readers and imagers.
Online Full-Service Merchant Portal with Cloud-based Reporting
- Stay on top of your business with online, real-time reporting capabilities via our merchant portal
Solutions
Back Office Processing
Payliance, through its EFT BOP division, delivers a powerful Back Office Processing (BOP) solution tailored specifically to meet the unique needs of Financial Institutions (FIs) and Third-Party Payment Processors (TPPPs).
Our ACH processing services ensure compliance, mitigate risk, and enhance operational efficiency, providing a comprehensive platform that adapts to your organization’s demands. Whether you’re a bank, credit union, or payment processor, Payliance delivers the tools you need to streamline operations, safeguard transactions, and exceed client expectations.
Key Benefits for Financial Institutions (FIs)
- Enhanced Regulatory Compliance
- Ensure adherence to all relevant ACH processing regulations, reducing the risk of non-compliance penalties.
- Improved Security
- Leverage robust security measures and advanced risk management tools to safeguard against fraud and unauthorized transactions.
- Operational Efficiency
- Automate ACH processing to minimize manual intervention, reduce errors, and accelerate transaction times.
- Increased Client Retention
- Offer comprehensive, customizable ACH services that enhance client satisfaction and loyalty.
Key Benefits for Third-Party Payment Processors (TPPPs)
- Regulatory Compliance
- Maintain full adherence to ACH processing regulations, reducing the risk of penalties and non-compliance.
- Enhanced Security
- Utilize advanced security measures to protect against fraud and unauthorized transactions, safeguarding client data and funds.
- Operational Efficiency
- Streamline ACH processing to reduce manual workload and errors, accelerating transaction processing times.
- Improved Client Retention
- Deliver a comprehensive, customizable ACH solution that enhances client satisfaction and loyalty, making it easier to retain and attract clients.
