Debit Card Processing

When credit card processing isn't an option, debit card processing emerges as a valuable alternative for businesses. In Lending and Collection verticals, it's crucial to quickly debit the funds as they may not be available tomorrow. Debit card processing allows you to authorize your customer's account for the exact amount you want to debit and reserve the funds. This way, you can efficiently conduct transfers without delay.

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Debit Card Processing Features and Services:

  • Program daily, weekly, or monthly payment installments
  • Payments will not be initiated until confirmation that funds are available in the consumers bank account
  • If a debit card payment fails to initiate, debits will be scheduled until the payment is billed successfully
  • Fully customizable customer billing and retries when initiating transactions
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Why You May Not Be Able to Process Credit Card Payments as a Merchant

As a financial lender, you may be wondering why you cannot accept credit cards as a payment method from your customers. It's as simple as “You cannot pay a debt with a debt,” a common saying that highlights the idea that one cannot settle an obligation or pay off a debt by incurring another debt.

Here are a few other reasons why you may not be able to accept card payments from your customers:

Regulatory transaction restrictions:

Merchant and business account requirements:

High card processing fees:

Credit risk  for businesses:

Overall, while accepting credit card payments can be convenient as a merchant, it's not always feasible. Instead, you may want to explore other payment methods, such as Debit Card Processing, ACH transfers, or check payments, which may be more suitable for your business model.

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