Eligibility Assessment
We help determine whether your business qualifies for DRIPs and clarify where the program may apply within your debt-repayment flows.
Uncover Debit Card savings in 60 seconds
Overpaying on Debit Card Repayment Transactions?
You may be eligible for Debt Repayment Interchange Discount Programs (DRIPs) to reduce transaction fees whenever your borrowers repay their loans with a debit card.
Uncover Debit Routing savings in 60 seconds
Is Your Debt Repayment Debit Routing Optimized for Cost Efficiency?
Debt repayments can route through multiple networks, but not all cost the same. See how Least-Cost Routing (LCR) can lower your debit processing bill.
Interchange discount programs apply to specific lending models. To show the most relevant information, select the lending type this estimate applies to.
Note: DRIP pricing applies only to certain installment lending models. If your program isn’t eligible, Payliance can still help reduce debit costs through routing optimization and network-level efficiencies.
Estimate Your DRIPs Savings
Use a few numbers from your latest debit processing statement to get a directional view of your potential savings from DRIP pricing on eligible debit repayment transactions.
Plug In Your Statement Numbers
Enter figures related to debit card loan repayments to compare your current costs to typical ranges and see a directional savings band.
This estimate is shown for installment lending models where DRIP pricing may apply.
Where do I find these numbers?
Use figures related to debit card loan repayments only:
- Your debit processing or settlement statement for loan payments
- Your LMS repayment or payment activity report filtered to debit card
- Your internal reporting dashboard, if applicable
Ballpark figures are completely fine for this estimator.
Your Potential Savings
Based on your inputs, we’ll compare your current debit repayment costs to typical ranges and show a directional savings band.
Estimates are illustrative and based on benchmark cost ranges for similar lenders. Actual results will depend on your specific configuration, issuer mix, and repayment patterns.
Estimate Your LCR Savings
This tool provides a directional savings estimate using typical Least Cost Routing (LCR) ranges on debit repayments.
Plug In Your Statement Numbers
Enter figures related to debit card loan repayments to compare your current costs to typical ranges and see a directional savings band.
This estimate is shown for non-installment lending models where DRIP pricing may not apply.
Where do I find these numbers?
Use figures related to debit card loan repayments only:
- Your debit processing or settlement statement for loan payments
- Your LMS repayment or payment activity report filtered to debit card
- Your internal reporting dashboard, if applicable
Ballpark figures are completely fine for this estimator.
Your Savings Estimate
Based on your inputs, we’ll show a directional savings band using typical LCR ranges.
Estimates are illustrative and based on typical routing optimization ranges. Actual savings will depend on your configuration, routing, issuer mix, and repayment behavior.
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Why Implementing DRIPs Can Be Challenging for Lenders
DRIP discounts apply only to specific debit card debt repayment transactions, and fees are often grouped together on statements, which can make it difficult to confirm eligibility or understand how discounted activity appears in your total repayment costs.
- Eligibility varies: DRIP discounts apply only to qualifying debit repayment scenarios tied to your lending model.
- Setup affects applicability: Required enrollment and configuration steps must be completed to activate DRIP pricing.
- Fees are bundled: Grouped statement categories can make it challenging to see how DRIP-eligible volume appears in total costs.
Where Lenders Miss Debt Repayment Debit Routing Savings
Debit repayments can route through multiple networks, but not all cost the same. When lenders can’t influence how repayments are routed (or see which networks handled the traffic), it becomes difficult to capture or verify savings that could improve repayment-level margins.
LCR through Payliance removes that gap by making cost-efficient routing automatic and fully transparent.
Implementing DRIPs With Confidence
Payliance streamlines DRIP qualification, 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 DRIPs are activated correctly and begin applying to eligible debt-repayment transactions.
Transparent Reporting
Your processing data clearly reflects DRIP-eligible activity, giving you visibility into how discounted transactions appear in your total repayment costs.
Ongoing Support
As repayment patterns or portfolio mix evolve, we help ensure your DRIP configuration remains aligned to support consistent, cost-efficient debt-repayment processing via debit card.
Least-Cost Routing Built for Lender Economics
Automatic Routing to Lower-Cost Debit Networks
Payliance evaluates eligible debit networks in real time and routes repayments through regional networks, where fees are often lower than the major card brands—helping improve repayment-level margins without changing your borrower experience.
Savings You Can Actually See
Clear, lender-focused reporting shows how repayments were routed and where savings were realized, providing confidence that cost-efficient paths are being used.
No Operational Lift Required
Payliance maintains the required network credentials and handles the routing architecture behind the scenes, so lenders benefit from optimized debit costs without additional workload or system changes.
Cost Efficiency Without Relying on Special Pricing
For lenders that aren’t eligible for interchange discount programs, LCR offers a straightforward way to reduce card processing expense by using lower-cost regional debit networks where repayment rules allow.
How DRIPs Support Cost-Efficient Debt Repayments
Debt Repayment Interchange Discount Programs (DRIPs) offer discounted pricing for eligible debt repayments made via debit card. When applied correctly, these programs help reduce the effective cost of qualifying transactions while maintaining a familiar repayment experience for your borrowers.
How DRIPs Work in Practice
Card networks provide DRIP pricing for qualifying debt repayment activity based on program criteria, including lending model, transaction characteristics, and proper enrollment. Once activated, eligible debit card repayments 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
With DRIP pricing paired alongside clear reporting and ongoing configuration support, Payliance helps you manage debit repayment costs more effectively and understand how DRIP-eligible transactions appear within your overall debit economics.
Saving with Least-Cost Routing (LCR)
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 LCR evaluates available debit networks in real time and routes each repayment through regional networks like NYCE, Pulse, and Star where fees are substantially lower than on traditional card networks—without disrupting your existing borrower experience.
Why It Matters for Lenders
Consumer installment and specialty lenders already face pressure from rising operational costs and high interchange fees on traditional debit networks. For programs that don’t qualify for interchange discount pricing, LCR offers a cost-effective alternative by leveraging low-cost EFT networks while Payliance manages the underlying registrations, credentials, and routing logic on your behalf.
Example Savings
As one illustration, a $200 debit repayment routed through regional networks can reduce fees from roughly about $3.45 on traditional networks to around $1.45, depending on issuer and network mix. Multiplied across thousands of monthly debit card debt repayments, that difference translates into meaningful, recurring margin improvement for high-volume lending portfolios.
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 for DRIPs or routing configuration.
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)