About the Company
Payliance is a leading payment service provider focused on supporting lenders who distribute and accept payments.
Payliance is a leading payment service provider focused on supporting lenders who distribute and accept payments. They were founded in 2007 and process over 4.5 million transactions monthly with deep expertise in the lending, collections, ecommerce, and gaming industries.
Product Used: Universal Tokens

Mitigating PCI scope across the board
When Payliance decided to launch a new debit and credit card processing product, they realized they needed a way to handle sensitive card information. As James Robinson, Director of Product, says, “One of our main objectives was to mitigate PCI scope both for Payliance and our clients. Since we need to be PCI Level 1 compliant, we were looking to architect our infrastructure in a way to best manage our PCI scope, and IXOPAY helps us do that.”
As a payment service provider to lending companies, Payliance is keenly focused on security.
A stable provider to aid product growth
Since launching in 2018, they have seen exponential growth in their card products, and having a vendor that can keep up with that growth has been vital to James and his team. They are growing at least 50% year over year, and IXOPAY has continuously kept up with their uptime and availability. When Payliance does run into an issue, IXOPAYs support team is readily available to assist.
In those five years since its launch, Payliance has grown significantly.
How Payliance uses IXOPAY
Payliance uses IXOPAY to add a layer of security to their payment processing for their clients.
When a customer accepts a payment, Payliance leverages IXOPAY's services to generate a unique token and store that information. Payliance then uses that token to complete the payment process for their customer.
Growth and Security
Ability to launch their own credit and debit card processing.
Reduced PCI scope for their company and clients and simplified PCI Level 1 compliance.
Stable solution that operates around the clock throughout the year.
“"IXOPAY is a stable and reliable solution. We haven't had to incorporate any major technology or version changes due to IXOPAY since deployment. And since PCI Level 1 Compliance is an expectation for payment processors, by using IXOPAY, we've streamlined our audits."”