Drive Profitability and Portfolio Health

Drive Profitability and Portfolio Health with Payliance’s Cost-Saving Payment and Collections Solutions

Consumer installment lenders face ongoing pressure to maximize profitability, ensure compliance, and improve borrower experience. At Payliance, we understand these challenges. We partner with leading lenders to deliver solutions that streamline payment operations, enhance compliance, and optimize collections, all while reducing costs. From innovative lenders like MoneyLion to established institutions like Centennial Bank, our clients leverage Payliance to support their growth and profitability goals.

Achieving Cost Efficiency with Payment Processing Solutions

For installment lenders, reducing overhead is crucial to maintaining competitive margins. Payliance’s ACH and debit card processing solutions not only enhance operational efficiency but also can deliver substantial savings—often reducing payment processing costs by 10-20% or more, depending on transaction volumes. This cost efficiency allows CEOs to reallocate resources to growth-oriented initiatives, enhancing the company’s competitive position.

Explore Your Savings Potential: Interested in seeing how much your organization could save? Try our quick cost-savings calculators for ACH and debit card processing to uncover potential savings.

Run ACH Cost Savings Calculator

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Mitigating Compliance Risks with Remotely Created Checks (RCC) and ACH Solutions

In a heavily regulated industry, compliance is a priority that cannot be compromised. Payliance’s ACH and RCC solutions are designed to meet rigorous standards, providing lenders with a secure, compliant payment infrastructure. Our ACH services are Nacha-compliant, ensuring reliability and low transaction fees, while our RCC option offers a flexible alternative for cases where ACH returns exceed acceptable thresholds.

RCCs can handle higher return rate limits—up to 75% in specific use cases—while remaining fully compliant with regulatory requirements. This flexibility helps lenders like yours optimize cash flow without compromising on compliance, providing peace of mind in a complex regulatory landscape.

Enhancing Collections Performance with Presentation Manager

With delinquency rates on the rise, boosting recovery rates is essential for lenders focused on portfolio health. Payliance’s Presentation Manager, developed by our nationally licensed collection agency, enables lenders to increase recovery rates by 30-50% when used in conjunction with existing collection methods. This improvement directly impacts Net Charge-Offs (NCOs) and helps build a healthier loan portfolio.

Key Benefits of Presentation Manager:

• Configurable Collections Strategies: Customize transaction timing, sizes, and frequency to match your portfolio needs, ensuring an approach tailored to your borrower profiles.
• Cost Optimization: Only successful collections incur transaction fees, allowing you to maximize returns while minimizing operational costs.
• Enhanced Collections with Digital Check Image Technology (RCC): Presentation Manager leverages Remotely Created Checks (RCC), a digital check image technology, as a clearing method that provides flexibility in collections. RCCs allow lenders to present payments as a digital check image, created with customer authorization and processed without the need for a physical signature. This approach enables lenders to improve recovery rates on delinquent accounts while maintaining compliance with regulatory standards.

Scaling Operations with Reliable, Customer-Centric Solutions

Payliance’s payment and collections solutions are built to scale with your business, handling high transaction volumes without sacrificing reliability. From ACH and debit card processing to collections management, our platform allows lenders to deliver seamless, customer-centric payment experiences that support borrower retention. By enabling consumer-friendly collections through Presentation Manager, we help maintain a positive borrower experience, even in challenging financial situations.

Conclusion

As a leader in consumer installment lending, your focus is on achieving sustainable growth while managing costs, compliance, and customer experience. Payliance’s suite of solutions, from cost-effective ACH processing and flexible RCC options to high-performance collections with Presentation Manager, is tailored to help you meet these goals.

Ready to discover how Payliance can help drive your business forward? Use our cost-savings calculators to explore potential savings and learn more about how we can support your collections and payment processing needs.

Together, we’re shaping the future of consumer lending, one transaction at a time.