Unlock Day 1 Savings!
Lower Transaction Costs.
Faster Interchange Discount Enrollment is Possible.
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. | ||
Visa® 0.65% + $0.15 (cap = $0.65) | MasterCard® 0.80% + $0.25($2.95 cap) | Discover® 0.70% + $0.16 (cap = $2.40) |
Qualifying Merchant Category Codes | |
6012 Financial Institutions | 6051 Non-Financial Institutions |
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 Benefits | Consumer Benefits | ||
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Merchant Benefits |
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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.