Maximizing Savings with Debt Repayment Interchange Discount Programs

In an industry with thin margins, cutting down on payment processing fees is a powerful way to improve financial performance. One of the most impactful solutions for lenders is Debt Repayment Interchange Discount Programs offered by major card networks like Visa, MasterCard, and Discover.

These programs enable lenders to significantly reduce the fees associated with debit card transactions for loan repayments. However, not all processors pass the full savings back to lenders. That’s where Payliance sets itself apart.

Why Choose Payliance?

At Payliance, we ensure that the savings from interchange discounts are passed directly to you, the lender. This transparent pricing model ensures you receive the full financial benefit, enhancing your bottom line and operational efficiency.

Key Benefits for Lenders

• Immediate Cost Savings: Gain predictable savings on interchange fees by encouraging debit card payments for loan repayments.
• Improved Borrower Experience: Offer a convenient, low-cost repayment option that aligns with borrower preferences.
• Better Payment Performance: Debit cards are widely accepted, resulting in higher repayment success rates and fewer delinquencies.
• Enhanced Cash Flow: Real-time payment confirmations provide improved visibility and financial stability.
• Increased Security and Compliance: Payliance integrates tokenization services, reducing PCI scope and minimizing compliance risks.

Strategic Impact

Lenders that take advantage of these programs benefit from reduced costs and gain a competitive edge through operational efficiency, enhanced borrower satisfaction, and streamlined compliance with card network regulations.

Lenders can achieve long-term financial stability and growth by reinvesting the savings into initiatives like borrower acquisition and digital transformation.

How Payliance Supports You

With over 17 years of experience, Payliance is a trusted partner in payment processing, handling the entire registration and approval process for Debt Repayment Interchange Discount Programs. We work closely with lenders to ensure you optimize your cost structures and achieve your financial goals.

Ready to optimize your payment processing?

Discover how much you could save using our Interchange Savings Calculator and download our Solution Brief for more details on how Payliance can help improve your financial outcomes.

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