Eligibility Assessment
We help determine whether your business qualifies for interchange discounts and clarify where the program may apply within your payment processing flows.
Uncover Debit Card Routing savings in 60 seconds
Optimizing Debt Repayment Debit Card Routing?
Not all debit networks cost the same. See how Least-Cost Routing reduces your processing fees.
Uncover Debit Card savings in 60 seconds
Overpaying on Debit Card Transactions?
You may be eligible for Debt Repayment Interchange Discount Programs (DRIPs) to reduce transaction fees whenever your customers repay their loans with a debit card.
Start With Your Lending Model
Confirm your lending model below so we can provide the most relevant debit cost-saving experience for your business.
You can change this at any time.
Quick Estimate
Where do I find these numbers?
These numbers are usually found within the summary section of your debit processing statement. Estimates work fine if exact figures aren’t available.
Quick Estimate
Where do I find these numbers?
These numbers are usually found within the summary section of your debit processing statement. Estimates work fine if exact figures aren’t available.
Lenders Trust Payliance
$63B+
Processed Annually
162M
Transactions Annually
40K
Merchant Locations
350+
Lenders Nationwide
Why Accessing Debt Repayment Interchange Discount Programs Can Be Challenging
Debt Repayment Interchange Discount Programs apply only to a narrow set of debit card repayment transactions, primarily involving non-regulated debit and prepaid cards. In many pricing and reporting models, eligible repayment activity is grouped into broad statement categories, making it difficult to determine which transactions qualify for discounted interchange. Flat-rate pricing can hide whether those discounts are passed through to the lender or retained by the processor.
- Eligibility varies: Interchange discount programs vary by loan product; it is crucial to work with a partner that understands network eligibility requirements deeply.
- Setup affects applicability: Required enrollment and configuration steps must be completed to activate Interchange Discount Program pricing.
- Fees may be bundled on statements: Some processors will offer a flat rate pricing structure and bundle fees into statement categories that do not align with actual interchange rates, allowing the processor to benefit from the discounts instead of the lender.
Where Lenders Miss Savings on Debit Routing
Debit card transactions can run through multiple networks at different costs. Without visibility or control over routing decisions, lenders can’t capture or verify savings opportunities.Least Cost Routing through Payliance makes cost-efficient routing automatic and fully transparent.
Save With Confidence
Payliance streamlines Debt Repayment Interchange Discount enrollment, setup, and reporting so you can capture the full value of every eligible transaction with expert operational guidance.
Streamlined Activation
Our team manages the required enrollment and configuration steps, so interchange discounts are activated correctly and begin applying to eligible debit card transactions.
Transparent Reporting
Your processing data supports clear validation of discount-eligible activity, with interchange details available upon request, giving you confidence that discounted transactions are being captured and reflected accurately in your total repayment costs.
Ongoing Support
As repayment patterns or portfolio mix evolve, we help ensure your interchange discount configurations remain aligned to support consistent, cost-efficient debit card processing.
Least Cost Routing Built for Lender Economics
Automatic Routing to Lower-Cost Debit Networks
Payliance evaluates eligible debit networks and routes repayments through lower-cost regional networks where applicable, helping improve repayment-level margins.
Savings You Can Actually See
Clear, lender-focused reporting shows how repayments were routed and where savings were realized.
No Operational Lift Required
Payliance handles network credentials and routing architecture behind the scenes, delivering optimized debit card processing costs without additional workload or system changes.
Cost Efficiency Without Relying on Special Pricing
For lenders that aren’t eligible for interchange discount programs, Least Cost Routing offers a straightforward way to reduce card processing expense by using lower-cost regional debit networks where repayment rules allow.
How Debt Repayment Interchange Discount Programs Support Cost-Efficient Debit Card Payments
Debt Repayment Interchange Discount Programs offer discounted pricing for eligible payments made via debit or prepaid debit card. When applied correctly, these programs help reduce the processing cost of qualifying transactions.
How Debt Repayment Interchange Discount Programs Work in Practice
Once a lender has been properly enrolled, card networks provide debt repayment interchange discount program pricing for applicable debit and prepaid debit cards. Once activated, eligible debit card payments are processed at discounted interchange rates rather than standard interchange. Payliance helps ensure this activity is identified correctly and reflected in your processing data.
What This Means for Your Portfolio
Payliance combines interchange discount pricing with clear reporting and configuration support, helping you manage payment processing costs and track how discount-eligible transactions affect your economics.
Saving with Least Cost Routing
How Least Cost Routing Works
Every debit transaction can be eligible to run across multiple networks, and each network carries a different cost. Payliance’s Least Cost Routing evaluates available debit networks in real time and routes each repayment through regional networks
Why It Matters
Consumer lenders already face pressure from rising operational costs and high interchange fees on traditional debit networks. For lenders that don’t qualify for interchange discount pricing, Least Cost Routing offers a cost-effective alternative by leveraging low-cost, regional debit networks while Payliance manages the underlying registrations, credentialing, and routing logic on your behalf.
Example Savings
As an illustration, a $200 debit repayment routed through lower-cost regional networks can reduce processing fees from approximately $3.45 on traditional debit networks to around $1.45, depending on issuer and network mix. Applied across thousands of monthly debit card repayments, that difference can translate into meaningful, recurring margin improvement for high-volume lending portfolios.
Illustrative example applies to non-regulated debit and prepaid debit cards. Actual savings will vary based on issuer mix, network eligibility, and program configuration.
Review Your Savings Estimate With an Expert
Share a few details and a Payliance specialist will walk you through your estimate, confirm eligibility, and outline next steps.
Still exploring?
Learn more about debt repayment programs, debit processing, and cost-efficient routing in our resource library.
Debt Repayment Interchange Discount Program (DRIPs)
Debit Card Processing with Real Time Funding (RTF)
Least Cost Routing (LCR)