{"id":4411,"date":"2024-03-12T14:21:11","date_gmt":"2024-03-12T18:21:11","guid":{"rendered":"https:\/\/payliance.com\/?page_id=4411"},"modified":"2026-03-05T13:29:41","modified_gmt":"2026-03-05T18:29:41","slug":"interchange-discount-programs","status":"publish","type":"page","link":"https:\/\/payliance.com\/interchange-discount-programs\/","title":{"rendered":"Interchange Discount Programs"},"content":{"rendered":"\n<div class=\"wp-block-columns are-vertically-aligned-top has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"background:linear-gradient(135deg,rgb(1,17,43) 0%,rgb(4,125,193) 50%)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<div style=\"height:128px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column lsi-heading is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h1 class=\"wp-block-heading has-text-align-center has-white-color has-text-color has-link-color wp-elements-472a3316339d9b4c50817f4db8cdc3c5\">Unlock <span class=\"yellowtext\">Day 1<\/span> Savings!<\/h1>\n\n\n\n<p class=\"has-text-align-center has-text-color has-link-color\" style=\"padding:0px;color:#d9edff;font-size:30px;font-weight:bold;line-height:40px;text-align:center;\">Lower Transaction Costs.<br><span style=\"font-size:25px;\">Faster Interchange Discount Enrollment is Possible.<\/span><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-vertical is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-9a7cdcfd wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button calcbutton is-style-fill\"><a class=\"wp-block-button__link has-luminous-vivid-amber-color has-black-background-color has-text-color has-background has-link-color has-text-align-center wp-element-button\" href=\"https:\/\/payliance.com\/debit-savings-estimator-drips\/\" style=\"border-radius:14px\"><strong>See Your Savings<\/strong><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-not-stacked-on-mobile has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"background-color:#ebf2f9\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:10%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:80%\">\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Leverage Interchange Discount Programs, designed to incentivize debit card usage for the repayment of consumer debt through convenient, secure, and cost-effective payment processing.<\/p>\n\n\n\n<p>Payliance is the ONLY processing provider that openly shares the entirety of the Card Network Interchange Discount programs with our clients. Choose a partner that fully explains and, more importantly, understands the maximum benefit this program provides to the debt repayment community.<\/p>\n\n\n\n<p>Payliance\u2019s consultative approach means we are your expert partner in the complex world of payment processing.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-vertical is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-4649e89c wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-35\"><a class=\"wp-block-button__link has-luminous-vivid-amber-color has-text-color has-background has-link-color has-text-align-center wp-element-button\" href=\"https:\/\/share.hsforms.com\/1v8QJynOlSNeOv3iONETeuA210d0\" style=\"border-radius:14px;background-color:#01112b\" rel=\"nofollow noopener\" target=\"_blank\"><strong>Download Brief Now<\/strong><\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:10%\"><\/div>\n<\/div>\n\n\n<div class=\"simple-tabs padding-h padding-t-small padding-b\" data-tabs>\n  <div class=\"simple-tabs__tabs\">\n          <a class=\"simple-tabs__tab\" data-tab href=\"#tab-0550f243984c4ac20452d1aeff5a96f0\">\n        Program Overview\n      <\/a>\n          <a class=\"simple-tabs__tab\" data-tab href=\"#tab-ac9c161efab28296d94f88760a251dc6\">\n        Program Savings\n      <\/a>\n          <a class=\"simple-tabs__tab\" data-tab href=\"#tab-d77bc154f78433594a852824854d7df4\">\n        Loan Types\n      <\/a>\n      <\/div>\n\n      <div\n      class=\"simple-tabs__content padding-t-small\"\n      data-tab-content id=\"tab-0550f243984c4ac20452d1aeff5a96f0\"\n      tabindex=\"-1\"\n    >\n      <div>\n        <h3 class=\"h2\">Interchange Discount Programs: Your Key to Savings<\/h3>\n        <p class=\"margin-b-small\"><p>Take advantage of the Interchange Discount Programs, designed to incentivize debt repayment through convenient, secure, and cost-effective debit transactions. Gain the flexibility to meet your borrowers\u2019 expectations in today\u2019s digital age and benefit from the savings. <\/p><ul><li> Unlock discounts from Day 1 with interchange savings passed directly to you. <\/li><li> Full disclosure fee schedule means no costly billing surprises. Payliance\u2019s Cost Plus Pricing Structure means you recognize the benefits of your interchange discounts<\/li><li>Where applicable, we support convenience fees to further offset interchange costs.<\/li><\/ul><table class=\"mobiletable\" width=\"100%\"><tr><td align=\"center\" colspan=\"3\" style=\"background-color:#047dc1;\" class=\"mobiletable2\">Interchange Incentive Program Rates by Network<\/td><\/tr><tr><td align=\"center\" colspan=\"3\" style=\"background-color:#ebf2f9;color:#01112b;font-weight:normal;\" class=\"mobiletable2\">Applies to non-regulated Visa\u00ae, MasterCard\u00ae, and Discover\u00ae debit and prepaid debit cards for qualifying lenders.<\/td><\/tr><tr><td style=\"padding:10px;\" width=\"33.3%\"><p align=\"center\" style=\"font-weight:bold;\">Visa&#174;<\/p><p style=\"font-weight:bold;\">0.65% + $0.15 (cap = $0.65)<\/p><p><a href=\"https:\/\/usa.visa.com\/support\/smallbusiness\/regulations-fees.html\" rel=\"nofollow noopener\" target=\"_blank\">Source<\/a><\/p><\/td><td class=\"mobileborder\" style=\"padding:10px;\" width=\"33.3%\"><p align=\"center\" style=\"font-weight:bold;\">MasterCard&#174;<\/p><p style=\"font-weight:bold;\">0.80% + $0.25($2.95 cap)<\/p><p><a href=\"https:\/\/www.mastercard.us\/en-us\/business\/overview\/support\/merchant-interchange-rates.html\" rel=\"nofollow noopener\" target=\"_blank\">Source<\/a><\/p><\/td><td class=\"mobileborder\" style=\"padding:10px;\"width=\"33.3%\"><p align=\"center\" style=\"font-weight:bold;\">Discover&#174;<\/p><p style=\"font-weight:bold;\">0.70% + $0.16 (cap = $2.40)<\/p><p><a href=\"https:\/\/servicecenter.discoverglobalnetwork.com\/acqinterchange\/home\" rel=\"nofollow noopener\" target=\"_blank\">Source<\/a><\/p><\/td><\/tr><\/table><br \/>\r\n<p>&nbsp;<\/p><table width=\"100%\" class=\"mobiletable\"><tr><td align=\"center\" colspan=\"2\" style=\"background-color:#047dc1;\" class=\"mobiletable2\">Qualifying Merchant Category Codes<\/td><\/tr><tr valign=\"top\"><td width=\"50%\" style=\"padding:10px;\"><p style=\"font-weight:bold;\">6012<\/p><p>Financial Institutions<br\/>Merchandise, Services, and Debt Repayment<\/p><\/td><td width=\"50%\" style=\"padding:10px;\" class=\"mobileborder\"><p style=\"font-weight:bold;\">6051<\/p><p>Non-Financial Institutions<br\/>Foreign Currency, Non-Fiat Currency (for example:cryptocurrency), Money Orders (Not Money Transfer), Travelers Cheques, and Debt Repayment<\/p><\/td><\/tr><\/table><table align=\"center\" style=\"margin-top:100px;\"><tr><td align=\"center\"><p><img decoding=\"async\" src=\"https:\/\/payliance.com\/wp-content\/uploads\/2024\/04\/Subprime-button.png\" width=\"300\" alt=\"\" title=\"\"><\/p><\/td><\/tr><\/table><\/p>\n\n              <\/div>\n          <\/div>\n      <div\n      class=\"simple-tabs__content padding-t-small\"\n      data-tab-content id=\"tab-ac9c161efab28296d94f88760a251dc6\"\n      tabindex=\"-1\"\n    >\n      <div>\n        <h3 class=\"h2\">Debit Acceptance Provides Savings to You, Convenience for Your Customers<\/h3>\n        <p class=\"margin-b-small\"><B> Convenience Fees &#8211; What You Need to Know <\/B><br \/>\r\nConvenience fees can be an additional savings stream. While there are regulations governing these fees, with Payliance, you have the flexibility to charge them where they are allowed. We\u2019ll guide you on the standard practices to ensure you stay compliant while maximizing your benefits.<br \/>\r\n<table class=\"mobiletable\"><thead><tr><th scope=\"col\" align=\"center\" style=\"background-color:#047dc1;\">Merchant Benefits<\/th><th scope=\"col\" align=\"center\" style=\"background-color:#047dc1;\">Consumer Benefits<\/th><\/tr><\/thead><tbody><tr valign=\"top\"><td class=\"mobiletable\" align=\"center\" style=\"height:40px;background-color:#047dc1;font-weight:bold;color:#ffffff;\">Merchant Benefits<\/td><td style=\"padding:10px;\"><ul><li style=\"list-style-type: '-  ';\">Real-time payments and good funds model<\/li><li style=\"list-style-type: '-  ';\">Increased customer convenience<\/li><li style=\"list-style-type: '-  ';\">Improved process efficiency simplified billing<\/li><li style=\"list-style-type: '-  ';\">Simplified tracking and full-circle debit integration<\/li><li style=\"list-style-type: '-  ';\">80% reduction in customer call times<span style=\"vertical-align:super;font-size:6pt;\">1<\/span><\/li><li style=\"list-style-type: '-  ';\">88% of surveyed organizations say their primary driver for converting to electronic payments is to increase efficiency; 82% to reduce costs.<span style=\"vertical-align:super;font-size:6pt;\">2<\/span><\/li><\/ul><\/td><td class=\"mobiletable\" align=\"center\" style=\"height:40px;background-color:#047dc1;font-weight:bold;color:#ffffff;\">Consumer Benefits<\/td><td class=\"mobileborder\" style=\"padding:10px;\"><ul><li style=\"list-style-type: '-  ';\">Preferred payment choice<\/li><li style=\"list-style-type: '-  ';\">Immediately confirmed payments<\/li><li style=\"list-style-type: '-  ';\">Ease of electronic statements and recurring payments<\/li><li style=\"list-style-type: '-  ';\">Reduced customer service call times<\/li><li style=\"list-style-type: '-  ';\">77% of surveyed consumer who make loan payments with their debit card cite convenience as their top reason<span style=\"vertical-align:super;font-size:6pt;\">3<\/span><\/li><li style=\"list-style-type: '-  ';\">#1 choice for bill payment across almost every age segment<span style=\"vertical-align:super;font-size:6pt;\">4<\/span><\/li><\/ul><\/td><\/tr><\/tbody><\/table><table style=\"font-size:8pt;\"><tr><td><ol><li>Navigant Consulting, BlueFlame Consulting, J.D. Power &#038; Associates, Mercator Advisory Group Q3 2016. Compares call service time for card payments over ACH.<\/li><li>2015 AFP Payments Cost Benchmarking Survey, Association for Financial Professionals Inc. http:\/\/www.AFPonline.org<\/li><li>AYTM 2017 Debt Repayment Survey, Quantitative research to understand consumer landscape and preference;<br \/>\r\nCommissioned by Visa\u00ae; Target: 400 US, Men and Women, 18+ years old; July 17-18, 2017<\/li><li>Visa\u00ae U.S. Payment Panel 2005 &#038; 2017; Base: Banked consumers<\/li><\/ol><\/td><\/tr><\/table><br \/>\r\n<B> Enroll Now and Start Saving <\/B><br \/>\r\nTake the first step towards greater savings with Payliance. When you open a merchant account with Payliance, we\u2019ll immediately enroll you in the applicable card network debt repayment interchange incentive programs so that you can experience an immediate difference in your transaction costs. Our team is ready to assist you with the setup and answer any questions you may have.<\/p>\n\n              <\/div>\n          <\/div>\n      <div\n      class=\"simple-tabs__content padding-t-small\"\n      data-tab-content id=\"tab-d77bc154f78433594a852824854d7df4\"\n      tabindex=\"-1\"\n    >\n      <div>\n        <h3 class=\"h2\">Debit Acceptance Benefits for Various Loan Types<\/h3>\n        <p class=\"margin-b-small\"><div><br \/>\r\n<table class=\"mobiletable3\" align=\"center\"><tbody><tr><td><img decoding=\"async\" src=\"https:\/\/payliance.com\/wp-content\/uploads\/2024\/03\/Consumer-Loans.png\" alt=\"Consumer Loans\" title=\"Consumer Loans\"><\/td><td><img decoding=\"async\" src=\"https:\/\/payliance.com\/wp-content\/uploads\/2024\/03\/Short-term-Installment-Loans.png\" alt=\"Short-term Installment Loans\" title=\"Short-term Installment Loans\"><\/td><td><img decoding=\"async\" src=\"https:\/\/payliance.com\/wp-content\/uploads\/2024\/03\/Lines-of-Credit.png\" alt=\"Lines of Credit\" title=\"Lines of Credit\"><\/td><\/tr><tr><td><img decoding=\"async\" src=\"https:\/\/payliance.com\/wp-content\/uploads\/2024\/03\/Auto-Loans.png\" alt=\"Auto Loans\" title=\"Auto Loans\"><\/td><td><img decoding=\"async\" src=\"https:\/\/payliance.com\/wp-content\/uploads\/2024\/03\/Student-Loans.png\" alt=\"Student Loans\" title=\"Student Loans\"><\/td><td><img decoding=\"async\" src=\"https:\/\/payliance.com\/wp-content\/uploads\/2024\/03\/Mortgages.png\" alt=\"Mortgages\" title=\"Mortgages\"><\/td><td><img decoding=\"async\" src=\"https:\/\/payliance.com\/wp-content\/uploads\/2024\/03\/Bank-Loans.png\" alt=\"Bank Loans\" title=\"Bank Loans\"><\/td><td>&nbsp;<\/td><\/tr><\/tbody><\/table><br \/>\r\n<\/div><\/p>\n\n              <\/div>\n          <\/div>\n  <\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n","protected":false},"excerpt":{"rendered":"<p>Unlock Day 1 Savings! Lower Transaction Costs.Faster Interchange Discount Enrollment is Possible. Leverage Interchange Discount Programs, designed to incentivize debit card usage for the repayment of consumer debt through convenient, secure, and cost-effective payment processing. Payliance is the ONLY processing provider that openly shares the entirety of the Card Network Interchange Discount programs with our [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_eb_attr":"","content-type":"","footnotes":""},"class_list":["post-4411","page","type-page","status-publish","hentry"],"acf":[],"rankMath":{"parentDomain":"payliance.com","noFollowDomains":[],"noFollowExcludeDomains":[],"noFollowExternalLinks":true,"featuredImageNotice":"The featured image should be at least 200 by 200 pixels to be picked up by Facebook and other social media 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