{"id":528,"date":"2024-10-19T09:24:12","date_gmt":"2024-10-19T09:24:12","guid":{"rendered":"https:\/\/letskipp.com\/?page_id=528"},"modified":"2025-06-08T14:31:23","modified_gmt":"2025-06-08T14:31:23","slug":"card-issuer","status":"publish","type":"page","link":"https:\/\/letskipp.com\/card-issuer\/","title":{"rendered":"Who We Serve – Card issuer"},"content":{"rendered":"\t\t
\n\t\t\t\t
\n\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Card issuers<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Maximize revenue <\/span> Safely authorize more transactions<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Turn a card decline into a revenue opportunity<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tWatch video<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\n\t\t\t\t\t\t
\n\t\t\t\t\n\t\t\t\t<\/path><\/stop><\/stop><\/linearGradient><\/defs><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t
\n\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tGenerate a new revenue stream\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tSafely approve card transactions, using a predefined setup that allows merchants to pay a premium to an issuer\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\n\t\t\t\t\t\t
\n\t\t\t\t\n\t\t\t\t<\/path><\/stop><\/stop><\/linearGradient><\/defs><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t
\n\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tApprove over-the-limit\/overdraft transactions\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tEarn more with merchant-paid premiums on every approved transaction.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\n\t\t\t\t\t\t
\n\t\t\t\t\n\t\t\t\t<\/path><\/stop><\/stop><\/linearGradient><\/defs><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t
\n\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tStay top-of-wallet\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tThe increased authorization rate allows cardholders to make the purchases they want, driving customer loyalty\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\n\t\t\t\t\t\t
\n\t\t\t\t\n\t\t\t\t<\/path><\/stop><\/stop><\/linearGradient><\/defs><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t
\n\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tMeet your authorization rate KPIs with card networks\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tReduce card declines and keep the card networks happy\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Use cases<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\r\n
\r\n \r\n
\r\n
\r\n \"Credit\r\n <\/div>\r\n

Card Issuer<\/p>\r\n <\/div>\r\n\r\n

Credit Cards: Reduce Credit Limit Exceeded Declines\n<\/h4>\r\n

Approve over-the-limit transactions and generate more revenue<\/p>\r\n

\r\n
Use case<\/h6>\r\n
FIND OUT HOW<\/h6>\r\n \r\n \r\n <\/svg>\r\n <\/div>\r\n <\/a>\r\n <\/div>\r\n\r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\r\n
\r\n \r\n
\r\n
\r\n \"Debit\r\n <\/div>\r\n

Card Issuer<\/p>\r\n <\/div>\r\n\r\n

Debit Cards: Reduce Insufficient Funds Declines <\/h4>\r\n

Allow additional overdraft and generate more revenue<\/p>\r\n

\r\n
use case<\/h6>\r\n
FIND OUT HOW<\/h6>\r\n \r\n \r\n <\/svg>\r\n <\/div>\r\n <\/a>\r\n <\/div>\r\n\r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\r\n
\r\n \r\n
\r\n
\r\n \"Control\r\n <\/div>\r\n

Card Issuer<\/p>\r\n <\/div>\r\n\r\n

Control Employee Benefit Programs<\/h4>\r\n

Manage employee benefits programs at the SKU level<\/p>\r\n

\r\n
Use case<\/h6>\r\n
FIND OUT HOW<\/h6>\r\n \r\n \r\n <\/svg>\r\n <\/div>\r\n <\/a>\r\n <\/div>\r\n\r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\r\n
\r\n \r\n
\r\n
\r\n \"Administer\r\n <\/div>\r\n

Card Issuer<\/p>\r\n <\/div>\r\n\r\n

Administer Government or Healthcare Disbursement Programs<\/h4>\r\n

Empower disbursement programs to restrict payments based on SKU-level data\n<\/p>\r\n

\r\n
Use case<\/h6>\r\n
FIND OUT HOW<\/h6>\r\n \r\n \r\n <\/svg>\r\n <\/div>\r\n <\/a>\r\n <\/div>\r\n\r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\r\n
\r\n \r\n
\r\n
\r\n \"Reduce\r\n <\/div>\r\n

Card Issuer<\/p>\r\n <\/div>\r\n\r\n

Reduce False Positive Card Declines\n<\/h4>\r\n

Avoid false positive card declines with data-driven insights that were previously unavailable<\/p>\r\n

\r\n
Use case<\/h6>\r\n
FIND OUT HOW<\/h6>\r\n \r\n \r\n <\/svg>\r\n <\/div>\r\n <\/a>\r\n <\/div>\r\n\r\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

ask kipp<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Kipp's solution is compliant with all key financial regulation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\n\t\t\t\t\t
How do EFTA and Regulation E apply to consumers who have not opted into an overdraft service with their bank, if their bank uses Kipp\u2019s solution? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

For consumers <\/span>not opted<\/b> into overdraft services, Regulation E generally prohibits their bank from charging overdraft fees for paying debit card transactions when the consumer has insufficient or unavailable funds in the account. With Kipp\u2019s model, issuers can still authorize transactions without relying on any fees or charges to the consumer, ensuring that non-opted-in consumers remain free of extra fees and charges, thus complying with Regulation E.<\/span>\u00a0<\/span><\/p>

*Applies to debit card transactions and other types of financial transfers.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

\n\t\t\t\t\n\t\t\t\t\t
How do EFTA and Regulation E apply to consumers who have opted into overdraft services with their bank, if their bank uses Kipp\u2019s solution? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

For consumers who have<\/span> opted into <\/b>overdraft services, Regulation E permits banks to authorize overdraft transactions for a fee provided that the consumer was given notice describing the overdraft service, including to ensure fees are transparent. With Kipp\u2019s model, issuers have greater flexibility and can choose to approve additional transactions without imposing additional fees on the consumer; instead, they can look to a payment from Kipp.<\/span><\/p>

*Applies to debit card transactions and other types of financial transfers.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

\n\t\t\t\t\n\t\t\t\t\t
Does Kipp\u2019s model comply with the Durbin Amendment? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

The Durbin Amendment imposes a cap on interchange fees, which have a precise definition under the statute.\u00a0 Interchange fees are fees that are established or charged by a payment card network and paid by a merchant or an acquirer for the purpose of compensating large issuers for their involvement in debit card transactions.\u00a0Kipp\u2019s solution operates outside of this framework because amounts paid to the issuer are not set by any card network and are not paid to the issuer by a merchant or an acquirer.\u00a0 Rather, Kipp is paying the issuers on its own behalf pursuant to its contractual obligations to those issuers. Likewise, Kipp is receiving payment from the merchants for its invoices, as the ultimate beneficiary.\u00a0<\/span><\/p>

* Applies to debit card transactions and other types of financial transfers.<\/span><\/p>

\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

\n\t\t\t\t\n\t\t\t\t\t
How does Kipp\u2019s solution ensure compliance with fair lending laws? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Kipp\u2019s model supports fair lending compliance by empowering issuers to configure flexible, risk-based policies for transaction authorization, subject to their own credit risk controls. Our platform allows issuers to set rules that determine transaction approvals based solely on financial risk, ensuring that decisions are made impartially and fairly<\/span><\/p>

*Applies to credit products.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

\n\t\t\t\t\n\t\t\t\t\t
Does Kipp comply with Consumer Consent and Data Privacy laws? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Yes, Kipp is fully compliant with Consumer Consent and Data Privacy laws. To support our solution in preventing NSF (Non-Sufficient Funds) declines, Kipp does not collect or process any personal data (PII). Our platform is designed to function solely with non-identifiable financial risk data, ensuring that no personal information about the consumer is accessed or stored. We adhere to rigorous privacy standards and regulations such as GDPR and CCPA, maintaining transparency about data use and implementing advanced security measures to protect any non-PII data processed. This approach ensures compliance while prioritizing consumer privacy and security.<\/span><\/p>

*Consumer Consent and Data Privacy laws apply to both credit and debit transactions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

\n\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Let\u2019s talk<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Ready to transform your declines into a new revenue stream?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tContact sales<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tWatch video<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

join our growing netwrok <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n
\n