Beat the $0 outcome on failed payments.
PayYield lifts net portfolio yield on every consumer repayment: clearing available funds on debits that decline today, and cutting what you pay to accept the dollars that do clear.
PayYield activates on the Loan Management System you already operate, often a light enhancement rather than a re-platform. It clears what’s available when a full payment can’t go through, and lowers the cost of accepting the rest.
PayYield clears debits that decline today with funds available, lifting liquidation and lowering the cost of every dollar you recover.
PayYield delivers ~16% more repayment dollars cleared, modeled across actual portfolio data, and up to 65%+ lower interchange; typical savings run 20–30%†
†Not all lenders qualify; results vary by portfolio composition.
PayYield works both sides of the repayment ledger: clearing what declines today for insufficient funds (roughly 16% more repayment dollars cleared, modeled across actual portfolio data) and reducing what you pay to accept everything that clears (up to 65%+ lower interchange, typically 20–30%). Both levers run together on the card volume you already process.
PaySuccess, the clearing-recovery lever, clears, in real time, what is available on the borrower’s account when a full payment can’t go through: a real, immediate recovery instead of an NSF decline and a roll toward charge-off.
On every repayment dollar you collect, PayYield lowers what you pay to accept it. The pay-less lever is matched to your portfolio.
PayYield activates on the Loan Management System you already operate: a light enhancement may be needed. Your team sees better economics without a re-platform.
Our team works directly with the card networks to find where your portfolio aligns and builds the program around it, so you’re not left to decode interchange tiers on your own.
Interchange savings depend on portfolio profile and network-program qualification. Not all lenders qualify; results vary.
Enter a few numbers from your monthly card processing statements to estimate the benefits from PayYield.
$0 / month
This is an illustrative estimate — not a proposal. Not all lenders qualify; results vary. Final pricing is modeled to your actual data by a Payliance payments expert.
PayYield Solution Brief
Higher liquidation, fewer accounts reaching charge-off, and a lower cost to accept the payments that clear. No form, no call required.
PayYield Solution Brief
Real-time authorization, so you know what cleared at the point of payment — and our team works the card networks directly rather than leaving you to decode interchange tiers. No form, no call required.
PayYield Solution Brief
The $250 / $150 example worked through end to end, plus what clearing available balances does to liquidation and NSF rates. No form, no call required.
A worked example on a $250 scheduled payment with $150 available. PayYield clears the available balance and reduces what you pay to accept it. Line items are illustrative: your actual lift depends on portfolio mix, eligibility, and participation rate.
No agent retraining. PayYield plugs into your existing collections cadence: clearing the available balance when a payment can’t go through in full, and settling everything that does on the pay-less route that fits your book. Cleared dollars settle at lower interchange, matched to your portfolio.
Same workflow. Your Loan Management System sends the auth request to the rails for the scheduled amount.
When funds are present (just less than scheduled), the response includes the available amount.†
Instead of letting the transaction decline, PayYield clears the available amount.
Your Loan Management System posts the cleared amount as a real payment and the account updates in your system.
Cleared dollars settle at lower interchange on the route your portfolio qualifies for. Our team works directly with the card networks to determine which applies.
PayYield is a recovery layer, not a product line. It runs underneath your collections motion: clearing available amounts against payments that decline today, so fewer potential accounts roll to charge-off.
Every dollar cleared is a dollar that doesn’t roll. A ~16% lift in cleared repayment dollars produces measurable monthly cash-flow gains across the book.
Pull more potential accounts out of the charge-off pool earlier in the delinquency cycle, improving the portfolio-quality metrics investors and capital partners watch.
A decline carries no interchange, but network fees and wasted authorization fees are still incurred. With PayYield those costs become real payments that settle at lower interchange. You recover more, for less.
PayYield activates on the rails Payliance already operates for you. Payliance has run consumer payments since 2007 and today processes 163M transactions and $63B in annual volume for 350+ lender partners across 40,000+ merchant locations. PayYield is a new capability on that infrastructure, not a new platform to onboard. As your payments partner, we work directly with the card networks across Visa, Mastercard, and Discover to identify where your portfolio aligns and build the program around your business.
Possibly a light LMS enhancement captures the available amount PayYield returns as a payment. All consumer-lending platforms can accept payments for less than the full balance, and there is no change to how loans are underwritten.
Pay less carries eligibility-based terms; interchange savings depend on portfolio profile and network-program qualification, confirmed by Payliance experts during the yield review.
PayYield is built to card-network specifications; compliant by design, not a workaround.
If you already process debit through Payliance, activation is configuration. If not, let’s get to know one another: book an intro call and we’ll take it from there.
Prefer to read first? The two-page Solution Brief covers both levers and the compliance posture — no form.
A short call with our payments experts to understand your business: your loan products, how repayments run today, and where payments are failing. We’ll walk through what we need, take it away, and come back with a proposal modeled on your actual numbers.
A real human reads this and typically replies within one business day. Meet directly with your assigned rep — no scheduling back-and-forth.
*Example figures shown elsewhere on this page (e.g. $150 of $250, interchange savings) are illustrative. Actual results depend on portfolio composition, issuing bank participation, and interchange eligibility. Modeling shared after the call reflects the inputs you provide.