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Payment Processing Solutions

Payment Processing Solutions

Offering best-in-class lender payments processing ACH (Automated Clearing House), debit card, and physical or remote check-based loan payment solutions for our merchants and lenders.

Solutions

Credit and Debit Card Processing

Give your customers access to the payment options they use every day. With Payliance, you get access to best-in-class card processing solutions coupled with an experienced team of industry experts to help you achieve your organizational goals. With built-in capabilities such as always available, secure APIs and tokenization we take the hassle out of card processing.

Fast approval process and onboarding

Pre-Integrated to numerous Payment Gateways and Loan Management Systems (LMS)

Broad card network coverage

  • Transactions authorized immediately through debit card network eliminating the cost of ACH returns while increases lending velocity
  • 100% debit card coverage in the USA
  • Accepting all major credit card types for applicable transaction types
  • Least cost routing technology minimizes transaction costs while delivering the most efficient payment experience
  • Network interchange discount programs available

Simple, secure API Integration – PCI-DSS Level 1 Certified

  • Real-time funding and debit payment processing utilize a single API, providing dual access to the full universe of card networks through a straightforward, secure platform.
  • Servers hosted in Standards for Attestation Engagements (SSAE16) certified facilities.
  • Threat monitoring and intrusion detection managed 24/7 by the security operations center
  • Payment Page and iframe plug-in options available to reduce your organization’s PCI scope
  • Sandbox environment for developer testing

Tokenization

  • Replace sensitive card data with a unique identifier that can be stored and reused
  • Lower your costs by reducing the overhead associated with PCI compliance
  • Increased security by tokenizing data rendering unusable if ever compromised on your system
  • Ideal solution for scheduled debt repayments

Online Full-Service Merchant Portal with Cloud-based Reporting

  • Stay on top of your business with online, real-time reporting capabilities via our web-based merchant portal

Web-based Merchant Virtual Terminal

  • Payliance’s Virtual Terminal offers a powerful and secure payment platform for processing and managing your payments – all in a single web-based portal.

Compliant Convenience Fee Options Available

Solutions

Real Time Payments (RTP)

Expand your options by providing your consumers the latest in real-time funding capabilities with RTP.  RTP enables lenders to push loan funds in real-time, 24/7/365, through a wide network of participating financial institutions using only a consumer’s existing bank account credentials to seamlessly give consumers the funding they need, when they need it.

Cost-efficient, low friction disbursement method

Immediate Availability

  • Consumers able to receive funds in their accounts within seconds.

Funding Certainty

  • Build consumer confidence by alleviating the guessing game on when funds will be applied to a consumer’s account

Online Full-Service Merchant Portal with Cloud-based Reporting

  • Stay on top of your business with online, real-time reporting capabilities via our web-based merchant portal

 

Web-based Merchant Virtual Terminal

  • Payliance’s Virtual Terminal offers a powerful and secure payment platform for processing and managing your payments – all in a single web-based portal.

 

Solutions

Real-time Funding via Debit Card

Money on-demand when your customers need it by funding customers instantly. More than any other industry we serve, speed and execution are critical for lenders. Disburse loan proceeds to consumers instantly on-the-go, anywhere, anytime, and use the same card to accept payments on those loans. Our solution is available for all the most prominent use cases allowing maximum flexibility and reducing the need for in-store cash and vault services.

Industry expertise at your service

  • By leveraging our deep payments knowledge our debit card funding solution is designed to improve your bottom line.
  • Attract more borrowers with instant fund disbursements to any debit card in the USA
  • Our solution pushes payments instantly to a borrower’s existing debit card 24/7

Simple, secure API Integration – PCI-DSS Level 1 Certified

  • Real-time funding and debit payment processing utilize a single API, providing dual access to the full universe of card networks through a straightforward, secure platform.
  • Servers hosted in Standards for Attestation Engagements (SSAE16) certified facilities.
  • Threat monitoring and intrusion detection managed 24/7 by the security operations center
  • Payment Page and iframe plug-in options available to reduce your organization’s PCI scope
  • Sandbox environment for developer testing

Tokenization

  • Replace sensitive card data with a unique identifier that can be stored and reused
  • Lower your costs by reducing the overhead associated with PCI compliance
  • Increased security by tokenizing data rendering unusable if ever compromised on your system

Online Full-Service Merchant Portal with Cloud-based Reporting

  • Stay on top of your business with online, real-time reporting capabilities via our web-based merchant portal

Web-based Merchant Virtual Terminal

  • Payliance’s Virtual Terminal offers a powerful and secure payment platform for processing and managing your payments – all in a single web-based portal.

Convenience Fee Options Available

Solutions

ACH Processing

Efficient, reliable, low-cost all in one package. Process Automated Clearing House (ACH) and manage the way you collect payments. Offers the flexibility to deliver payments and funding on your desired schedule. Utilizing our strong banking relationships, we provide you with the reliable service you expect for a cost that supports your business.

Servicing for both Storefronts and Online Merchants

  • Flexible configuration options that allow for differentiated reporting, settlement and invoices based on your business make-up

Pre-Integrated to many Payment Gateways and Loan Management Systems (LMS)

Payment speed is in your control with numerous processing options

  • Same Day – made available to the consumer the same business day
  • Next Day / Standard – made available to the consumer as soon as the following business day morning

Multiple integration methods available

  • Batch – Make processing ACH transactions simple with our easily integrated batch solution
  • API – Seize the full potential of our solutions by integrating payments and accounting processes.
  • Sandbox environment for developer testing

Proven compliance features

  • Built-in industry specific compliance features supporting merchants for over a decade
  • Knowledgeable staff to help guide you to a tailored solution to meet your compliance needs
  • Regular Nacha audits performed for processing compliance
  • Multiple Originating Deposit Financial Institution (ODFI) relationships for maximum reliability

Reliable solutions with late cut-off times and non-business day processing

  • Enjoy some of the industry’s latest cut-off times for next-day funds availability to support West Coast operations
  • Initiate transactions on holidays and weekends
  • Pay nothing additional for ACH transactions initiated on Sundays, posting as soon as Monday.
  • Recurring and Future Dated Payment options available
  • Pay by Phone – Allow customers to pay over the phone with their checking account.

Fraud Detection and Prevention

  • Account information is validated up front, reducing the chance of fraud.
  • Save money by blocking unauthorized or administrative returns before they occur
  • Integrated options to support the Nacha WEB debit Bank Account Validation rule

Online Full-Service Merchant Portal with Cloud-based Reporting

  • Stay on top of your business with online, real-time reporting capabilities via our merchant portal

Web-based Merchant Virtual Terminal

  • Payliance’s Virtual Terminal offers a powerful and secure payment platform for processing and managing your payments – all in a single web-based portal.
ACH Processing

Solutions

Remotely Created Checks (RCC)

Manage payment processing and return rates seamlessly with RCC. Remotely Created Check (RCC) processing is a cost-effective solution for merchants whose business model isn’t a fit for ACH.  An RCC is a digital image of a paper item (eCheck) originated with proper authorization from consumer checking account information held on file, but without the consumer’s original signature.  Easily process payments with this reliable solution that has been perfected over years of working with our banking partners.

Increase returns management by supplementing ACH processing with RCC

Compliant with the Uniform Commercial Code (UCC), Reg CC, Reg J and the Check 21 Act

Leverage consolidated returns to control costs

  • Our Consolidated Returns solution routes returned checks electronically from the Federal Reserve directly to Payliance. This results in checks being received faster and eliminating bank return fees.
  • All returned items are returned directly to Payliance rather than your financial institution.

Multiple integration methods available

  • Batch – Make processing RCC transactions simple with our easily integrated batch solution
  • API – Seize the full potential of our solutions by integrating payments and accounting processes

Online Full-Service Merchant Portal with Cloud-based Reporting

  • Stay on top of your business with online, real-time reporting capabilities via our merchant portal

Payment Gateway

  • RCC payment gateway automates billing, payment acceptance and customer management to provide visibility into the status of payments and accelerate cash flow.

Web-based Merchant Virtual Terminal

  • Payliance’s Virtual Terminal offers a powerful and secure payment platform for processing and managing your payments – all in a single web-based portal.
Remotely Created Checks (RCC)

Solutions

Check Conversion

Conversion solutions that generate cost-efficiencies. You need funds quickly, but depositing paper checks in a traditional way can be time-consuming and expensive. We provide paper check conversion solutions that enable the deposit of funds without spending time driving to the bank or the expense of paying for an armored car pick-up.

Increase Process Efficiencies

  • Convert paper checks into ACH transactions, eliminating paper check handling and associated expenses.
  • Give customers an electronic payment option beyond credit and debit cards.

Accelerate Cash Flow by utilizing ACH payment infrastructure with minimal hardware investments.

Expert Best Practices for mail-in, drop-box, and product delivery use cases.

Transform Point-of-Sale (POS) paper checks into ACH for faster processing.

Fraud Detection and Prevention

Use strategic re-presentment logic to schedule collection when your chances are greatest

Supports POS hardware, including credit card readers, check readers and imagers.

Online Full-Service Merchant Portal with Cloud-based Reporting

  • Stay on top of your business with online, real-time reporting capabilities via our merchant portal
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