Pinnacle’s LoyalDebit™ tackles the significant rise in credit card fees by adding payment capabilities to a traditional, non-payment card that the consumer already carries in their wallet.  Cost effective and able to be leveraged in combination with any of Pinnacle’s loyalty solutions, LoyalDebit will help restore declining fuel margins and increase consumer loyalty.

Relief from Credit Card Fees

For the retailer, LoyalDebit offers relief from rising credit card transaction fees. Using their existing loyalty card as an ACH payment card, retailers now have a secure, low cost alternative, allowing them to stay competitive in their market.

One Card, Multiple Functions

For the retailer, LoyalDebit offers relief from rising credit card transaction fees. Using their existing loyalty card as an ACH payment card, retailers now have a secure, low cost alternative, allowing them to stay competitive in their market.

Benefits You and Your Customer

LoyalDebit can be utilized to award customer with incentives such as fuel discounts at the pump. Retailers can give customers fuel discounts as high as 4 cents per gallon and still make more money on the transaction than if the customer paid full price using a traditional credit card.

LoyalDebit Mobile™

LoyalDebit Mobile extends Pinnacle’s Loyalty suite of products by offering a mobile option for LoyalDebit, an ACH debit payment solution.  LoyalDebit Mobile lets retailers customize a mobile app with their own branding to promote their own loyalty program or store brand.

LoyalDebit Mobile provides a secure transaction that does not include any sensitive payment card data, a very simple activation process and a very fast transaction. Key benefits include:

• Requires no cardholder data to be passed across the network, which makes the solution very secure and out of scope for PCI or data security best practices.
• In addition to providing a secure and cheaper method of tendering the transaction, the app will also allow retailers to market to registered app users by sending electronic advertising and coupons on their phone.
• The LoyalDebit and LoyalDebit Mobile solutions are based on ACH debit technology which avoid the high interchange fees associated with credit cards.
• The solution requires no changes to retailers’ existing network infrastructure.

Features and Benefits

• Relief from high credit card processing fees
  
• Free for your customers
  
• Secure form of payment
  
• Advanced functionality
  
• A single card can have multiple purposes: a loyalty card, post-pay pump authorization card,  stored value card, or a LoyalDebit ACH payment card
  
• User-friendly graphical interface
  
• IP-based, running across a broadband network with a centralized host server
  
• Fully integrates to Pinnacle’s Palm POS™
• “Software as a Service” capable application