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Lending

Understanding your business is our business

Payment solutions as they should be: Industry-specific, merchant focused and partner-friendly.

Lending Solutions Features

  • Industry specific compliant processing solutions
  • Flexible loan repayment options via ACH or card
  • Real-time funding disbursements with push to debit card
  • Leverage all available Nacha processing windows
  • Full support for lenders with multiple investor pools
  • Expanded card data insights delivered in real-time with Card Verify
  • AI-based engine for returns processing
  • Support for State Licensed and Bank Lenders
  • Securely process card transactions from anywhere with the Payliance Virtual Terminal
  • Pre-integrated to most loan management systems (LMS)
  • Compliant support for convenience fees
  • Debt Repayment Interchange Discount Program options

Lending – Your trusted partner

Payliance works with a variety of segments in the lending industry, bringing our expertise to each.

Subprime Consumer

Payliance is an industry leader in the subprime consumer lending space. We understand the risk you take signing a new customer and can help manage that risk.  We also understand the importance of your repeat borrower and will support you in providing a strong lending experience in a competitive market.   With solutions supporting both online and retail lending models along with more than a decade of industry expertise we are not just a payment processor but a partner to our merchants

  • Meets State-level Payment Requirements
  • CFBP’s Small Dollar Lending Rule support
  • Fraud and Returns Reduction solutions
  • Delinquency, Default and Net Charge-Off (NCO) Management
  • Elevated Chargeback support
  • Real-time funding disbursements with push to debit card
  • Late ACH cutoffs support West Coast operations
  • Tech enabled recovery solutions to help streamline payment collections

Prime and Near-Prime Lending

Rely on an industry leader in the lending space that can deliver for you.  We have solutions to enhance your payments experience whether you are in the traditional prime space, near-prime or marketplace lending. We handle all payment types to provide consumers the options they desire to amplify their overall engagement.  Our experts not only assist in the initial onboarding process, but also help you navigate the ever-changing payments landscape with top notch customer service.

  • Real-time funding disbursements with push to debit card
  • Flexible loan repayment options via ACH or debit card
  • Multiple investor pool support
  • Expanded data insights delivered in real-time with Card Verify
  • Compliant support for convenience fees
  • Integrated returns processing
  • Support for State Licensed and Bank Lenders
  • Management of NCOs through industry-leading recovery platform
  • Pre-integrated to most loan management systems (LMS)

Buy Now Pay Later (BNPL)

Whether your lending business supports a 0% finance BNPL model or an APR based online point of sale (POS) solution our numerous integration options and payment types allow for a seamless experience for the consumer, merchant and lender.

  • Make one-time or scheduled loan repayments via ACH, debit or credit card
  • Manage losses through industry-leading recovery platform
  • Pool level reporting to helps navigate consumer credit risk
  • Transaction-level settlement capabilities aligned with existing APIs and treasury functionality
  • Industry targeted recovery strategies to help increase overall profits

Earned Wage Access (EWA)

Payliance knows that speed is critical when it comes to getting consumers their earned wages and we are here to help with our innovative solutions to get employees paid, FAST. Tailored payment solutions help employees get early access to funds ahead of payroll with our compliance focused processing.

  • Core solutions geared towards risk and compliance to help navigate the industry’s current and future regulatory headwinds.
  • Pay your consumers in real-time with push to debit card offering
  • Reliable ACH processing geared towards your business needs

Merchant Cash Advance (MCA) Lenders

Now more than ever MCA’s provide small businesses an alternative option from traditional bank loans that help small business owners receive crucial lump sum funding upfront. We are here to help streamline the process to get your borrowers paid fast and securely.

  • Dependable ACH processing geared towards your business needs
  • Ability to process large dollar transactions
  • Recovery solutions, including our Presentation Manager, positioned to support large balance defaults

Businesses using Payliance

Payliance is a trusted partner with the world’s leading companies in the lending industry.

Businesses using Payliance

Tailored Support

Friendly, knowledgeable support team who knows your industry. We are here to help.

  • Experienced Client Success Team
  • Comprehensive self-service portal
  • Live Implementation Training
  • Risk and Compliance Monitoring
Tailored Support
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