Multi-issuer commercial card programs
Wholesale card rates, with every number on the table.
Transparency Pay pools our clients' spend to win wholesale rates across multiple issuers. Then we show you all of it: acceptance, interchange and your rebate, BIN by BIN.
- No minimums
- No usage fees
- No exclusivity
- No early-termination penalties
| Issuer | BIN | Fit | Rebate | Acceptance | Credit facility |
|---|---|---|---|---|---|
| Issuer A · Mastercard | 5●●●●● | Best rebate | 2.11% | High | Prefund |
| Issuer B · Mastercard | 5●●●●● | Best match | 1.88% | Medium | Weekly |
| Issuer C · Visa | 4●●●●● | Highest credit | 1.74% | Low | Monthly |
Why Transparency Pay
Transparency is our name, our motto and our DNA.
We don't have customers. We have partners.
Multi-Issuer Network
We match you with the right provider or providers, using our collective buying power to get wholesale rates.
BIN Optimization
We manage the balance between maximum acceptance, vendor negotiation and top-line interchange.
Full Transparency
We share all the data with you, from acceptance to interchange, across our entire network.
No Risk, All Reward
No minimums, usage fees, exclusivity or penalties for early termination. Ever.
The problem
Issuers keep cutting benefits and locking clients in.
Companies get moved between ossified issuers that reduce benefits, lock them into long-term agreements and fail to provide consistent service.
- Access multiple premier issuing platforms without dealing with each issuer directly.
- Manage several programs through one secure portal.
- Get a bespoke program built around your spend, never a one-size-fits-all product.
Simply put
We match clients with the right system and offering. We negotiate wholesale rates using our collective buying power, and we share that saving with you.
We guarantee the highest revenue, exceptional service and a platform built for your needs.
How it works
From first call to a live program, with us at every step.
Free deep dive
We walk through your entire payables process to understand your needs, complexity and pain points.
Map providers
We map your requirements to the best possible providers and build a customized set of solutions.
You choose
We take your decision makers through the options so they can pick the program or programs that fit.
Onboarding
We partner with you through the entire onboarding process.
For the life of the program
We stay with you after launch, reviewing performance and rates.
You deserve a partner who does right by you, not just during contracting, but every day after.
- Transparency
- Optimization
- Support
- Integrity
Contact
Let's look at your program.
Interested in working together? Send us a note and we'll be in touch shortly. The operational review is free.