 | Fund a loan or collect a payment anytime – network available 24/7/365 |
Save with Efficient Debit Card Solutions
Strengthen Collections, Improve Cash Flow & Enhance Customer Experience
A Better Lending Experience
A better lending experience is rooted in offering the right payment method based on your customer’s needs. While ACH has broad applicability, the benefits of enabling instant payments via debit card with real-time funding are undeniable. Payliance’s integrated solution helps lenders deliver the speed of payments today’s borrower expects, while improving repayment rates, streamlining operations, and improving portfolio performance.
Key Benefits for Lenders
Operational Excellence
- Faster Payments: Fund a loan or collect a payment anytime – instant loan funding and repayment with same debit card
- Increase Lending Velocity: Transactions authorized immediately – mitigates the cost of ACH returns
- Enhance Loan Approvals: Verify card eligibility for loan funding and repayment in real-time through Card Verify
- Reduce NSF Rates: Real-time funds verification minimizes failed payments
- Increase Collection Rates: Collected funds are settled next business day
- Reduce Debit Processing Costs: Already offer debit with real-time funding? Run our cost savings calculator to see how much we can save you.
- Improve Security: Replace sensitive card data with a unique token that can be stored and reused
- Simplify Processing: Simple API integration and ability to manage all payment channels through one unified platform
- Improve Compliance: Built with regulatory requirements in mind, our platform helps you maintain compliance while optimizing collections
- Gain Data Intelligence: Turn payment insights into strategic advantages with robust reporting and analytics
Financial Performance
- Improve Cash Flow: Faster settlement times for better working capital
- Reduce Processing Costs: Low, capped fees for the debit card network, least cost routing, and debt repayment interchange savings reduces transaction expenses
- Protect Revenue: Minimize payment failures and recovery costs
Strategic Advantage
- Enhance Customer Experience: Offer the payment flexibility and mobile loan repayment service borrowers want
- Unlock Data Insights: Gain valuable intelligence from payment behavior
- Expand Market Reach: Serve more borrowers with multiple payment options
Save on Debit Processing with Payliance – Calculate and discover how much you can save instantly!
 | 100% Debit Card Coverage in the U.S. |
 | Fast approval process and onboarding |
 | Verify Card Eligibility |
- Comprehensive real-time card validation (AVS, BIN, and card issuer information)
- Reduce fraud risk and comply with AML regulations
- Confirm cardholder’s name matches the information held by the issuing bank (Visa Account Name Inquiry)
Download the Card Verify Solution Brief Here
 | Debt Repayment Interchange Discount Programs |
Payliance provides direct access to specialized interchange programs designed specifically for loan repayments, with significant savings passed directly to you:
Debt Repayment Interchange Programs (DRIPs):
- Visa: 0.65% + $0.15 (capped at $0.65)
- Mastercard: 0.80% + $0.25 (capped at $2.95)
- Discover: 0.70% + $0.16 (capped at $2.40)
Unlike processors who bundle fees in complex pricing structures, our transparent Cost-Plus Pricing ensures these specialized program rates flow straight to your bottom line.
Download the Debt Repayment Interchange Discount Program Solution Brief Here
 | Least Cost Routing |
Payliance offers a solution to this pressing issue: Least Cost Routing (LCR). LCR optimizes payment processing by prioritizing regional EFT networks (such as NYCE, Pulse, and Star) instead of traditional card networks. By leveraging these networks, lenders can achieve significant savings while maintaining reliable and secure payment acceptance.
1. Significant Cost Savings
•For lenders ineligible for Visa or Mastercard interchange discount programs, LCR offers a cost-effective alternative.
•Example: A $200 transaction routed through EFT networks can lower fees from $3.45 (traditional networks) to as little as $1.45.
2. Improved Cash Flow and Predictable Costs
•Predictable, capped fees simplify financial forecasting and cash flow management.
•Faster settlements and real-time payment confirmations support better liquidity management compared to other payment methods.
3. Operational Efficiency
•LCR reduces overall payment processing costs, enhancing the lender’s ability to reinvest in growth.
•Broader acceptance of cost-efficient debit payments improves borrower satisfaction, aligning with business goals to scale customer loyalty.
Download the Least Cost Routing Solution Brief Here
 | Loan Repayment Mobile Service |
- Boost Repayment Rates: Discover a potential 30% increase in early repayments through our Mobile Service
- Engage Customers: Leverage push notifications to guide consumers towards efficient loan management and repayment
- Real-Time Payment Access: Give customers the ability to view payment history details instantly
- Detailed Payment Insights: Offer concise information on payment dates, amounts, auto-payment setups, and payoff details
Download the Mobile Loan Repayment Service Solution Brief Here
 | Simple API Integration |
- Single API integration
- Dual access to full universe of card networks
- PCI-compliant processing platform securely processes millions of transactions monthly
- Online reporting portal for transaction history, real-time transaction status, and report downloads
- APIs available to consumer transactional data directly into loan management system
 | Run Cost Savings Calculator |
Our simple 4-step calculator below helps you determine your potential savings:
- Select your consumer lending platform
- Enter your total monthly Debit card charges from your current payment processor
- Enter the average transaction dollar amount you process via Debit card
- Enter the dollar volume of Debit card transactions you process monthly
Just answer these four questions, provide your contact information, and we’ll send your personalized savings report directly to your email.
Transforming Debt Repayments:
The Rise of Real-Time Debit
Card Transactions in Short-Term Lending
Run Savings Calculator