Maverick’s private label debit cards drive increased profitability and customer loyalty.

A Private Label Debit Card (PLDC), also known as decoupled debit, is the strategic way retailers can capitalize on a growing market opportunity. Market research shows that debit transactions are taking off. Credit lines are drying up while credit interest rates climb. Consumers are increasingly using debit and electronic ACH payments instead of cash and credit.

Maverick helps retailers take advantage of this emerging debit trend with its exclusive MAVPAY^SM PLDC. This proprietary, streamlined debit card and processing system is designed to save retailers money, increase profits, and reward customer loyalty.

Issued by a retailing merchant, a MAVPAY PLDC gives customers a payment choice. With the ease of MAVPAY, PLDC customers are not limited to the cash in their wallets or the need to tie up their credit cards. Additionally, frequent shopper or loyalty programs can be fully integrated with MAVPAY. Customers earn points or rewards each time they use their card, and cards can only be used at the retailer’s location.

MAVPAY cards are easy. They operate similarly to PIN based debit cards so they don’t require any additional programming or POS systems changes. Settlement and account processing are unchanged.  Retailers pay a fixed transaction cost with MAVPAY, greatly reducing processing fees by 50-75 percent versus traditional branded payment cards.

MAVPAY PLDCs offer unique branding opportunities while increasing sales. Retailers facilitate brand awareness by putting customized debit cards directly into their customer’s hands. Customers perceive more value to their expenditures as rewards accrue with each purchase.

Card Features

• Linked to your customer’s checking account through the ACH System
• PIN provides greater security for cardholders and greatly reduces fraud
• Uses existing card networks and infrastructure to route transactions
• Does not require POS system modifications in store or at the pump
• Customized Card Design to your specifications
• Supports loyalty or promotional programs as desired, including POP Discounts
• Fully PCI-DSS Compliant

How it Works

• Customer picks up card at the retail location
• Cardholder goes online to a secured enrollment website
• Customer enters address, driver’s license and bank account information
• The customer self-selects a 4-digit PIN
• While on line, we do a review to ensure that the enrollment data is valid
• Within a few seconds customer receives approval (or decline) message
• If approved, the card is immediately available for purchase use