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Unlock Day 1 Savings!

Leverage Interchange Discount Programs, designed to incentivize debit card usage for the repayment of consumer debt through convenient, secure, and cost-effective payment processing.

Payliance is the ONLY processing provider that openly shares the entirety of the Card Network Interchange Discount programs with our clients. Choose a partner that fully explains and, more importantly, understands the maximum benefit this program provides to the debt repayment community.

Payliance’s consultative approach means we are your expert partner in the complex world of payment processing.

Interchange Discount Programs: Your Key to Savings

Take advantage of the Interchange Discount Programs, designed to incentivize debt repayment through convenient, secure, and cost-effective debit transactions. Gain the flexibility to meet your borrowers’ expectations in today’s digital age and benefit from the savings.

  • Unlock discounts from Day 1 with interchange savings passed directly to you.
  • Full disclosure fee schedule means no costly billing surprises. Payliance’s Cost Plus Pricing Structure means you recognize the benefits of your interchange discounts
  • Where applicable, we support convenience fees to further offset interchange costs.
Interchange Incentive Program Rates by Network
Applies to non-regulated Visa®, MasterCard®, and Discover® debit and prepaid debit cards for qualifying lenders.


0.65% + $0.15 (cap = $0.65)



0.80% + $0.25($2.95 cap)



0.70% + $0.16 (cap = $2.40)



Qualifying Merchant Category Codes


Financial Institutions
Merchandise, Services, and Debt Repayment


Non-Financial Institutions
Foreign Currency, Non-Fiat Currency (for example:cryptocurrency), Money Orders (Not Money Transfer), Travelers Cheques, and Debt Repayment

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Debit Acceptance Provides Savings to You, Convenience for Your Customers

Convenience Fees – What You Need to Know
Convenience fees can be an additional savings stream. While there are regulations governing these fees, with Payliance, you have the flexibility to charge them where they are allowed. We’ll guide you on the standard practices to ensure you stay compliant while maximizing your benefits.

Merchant BenefitsConsumer Benefits
Merchant Benefits
  • Real-time payments and good funds model
  • Increased customer convenience
  • Improved process efficiency simplified billing
  • Simplified tracking and full-circle debit integration
  • 80% reduction in customer call times1
  • 88% of surveyed organizations say their primary driver for converting to electronic payments is to increase efficiency; 82% to reduce costs.2
Consumer Benefits
  • Preferred payment choice
  • Immediately confirmed payments
  • Ease of electronic statements and recurring payments
  • Reduced customer service call times
  • 77% of surveyed consumer who make loan payments with their debit card cite convenience as their top reason3
  • #1 choice for bill payment across almost every age segment4
  1. Navigant Consulting, BlueFlame Consulting, J.D. Power & Associates, Mercator Advisory Group Q3 2016. Compares call service time for card payments over ACH.
  2. 2015 AFP Payments Cost Benchmarking Survey, Association for Financial Professionals Inc.
  3. AYTM 2017 Debt Repayment Survey, Quantitative research to understand consumer landscape and preference;
    Commissioned by Visa®; Target: 400 US, Men and Women, 18+ years old; July 17-18, 2017
  4. Visa® U.S. Payment Panel 2005 & 2017; Base: Banked consumers

Enroll Now and Start Saving
Take the first step towards greater savings with Payliance. When you open a merchant account with Payliance, we’ll immediately enroll you in the applicable card network debt repayment interchange incentive programs so that you can experience an immediate difference in your transaction costs. Our team is ready to assist you with the setup and answer any questions you may have.

Debit Acceptance Benefits for Various Loan Types

Consumer LoansShort-term Installment LoansLines of Credit
Auto LoansStudent LoansMortgagesBank Loans 

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