For years, the payment industry has set its own standard for service, products and opportunity. You've had little or no say in the matter. You had to take what was offered and it looked like that’s the way things would always be with payments networks. Know Better.

Discover Network is challenging the status quo by collaborating rather than dictating. We’re looking at what we can do together. We’re designing solutions to help reach your goals, not just ours. We’re introducing new heights of speed, clarity, loyalty, innovation, assurance and insight. We’re not telling you the way things are, but rather showing you the way things can be. Welcome.

Some would have you believe that the market is over inundated with offers ... that acquisition response rates can’t be pressed any further. We humbly disagree. While one of the most recognized names in the payments network industry, the Discover Network brand is still fresh and generates a response others simply don’t. It’s partly because our brand has not been overexposed. It’s largely because our brand has always represented fresh, innovative thinking that benefits cardholders. And whatever the reason, it’s a very real opportunity.

Most businesses have little interaction with a payments network beyond functional exchanges like interchange and processing. At Discover Network, we invite interaction because we believe our success comes when our issuer, acquirer and merchant partners succeed. We’ve structured our entire business model on that premise. That’s why we go beyond the status quo in our efforts to lend expertise and support to our partners in areas like marketing, building loyalty, increasing revenue and keeping up with security and operating regulations. We don’t sit back and profit from the success of your business. We help your business to succeed in the first place.

Could any business use operating regulations the length of a phone book? With the realization that business is complicated enough already, Discover Network sets out to keep our relationship straightforward. Our fee structure is clear. Our relationships are transparent. Our operating regulations are a fraction of the length of others and we provide free Webinars to help you understand and implement them. Our DISC program helps clarify the tasks necessary to bring your business into compliance with vital PCI security standards. Discover Network takes this approach in every interaction with our partners. We keep it as clear and simple as possible so you can keep your eyes on the road ahead.

Payments Networks are big and slow and there’s no way around that, right? That doesn’t have to be the case. Discover Network understands the importance of speed to market. That’s why we’ve developed products and processes that can be up and running in record time. And we’re not just talking generic solutions; we’re talking about solutions for your business like a custom card program. Or marketing materials you can customize for yourself right online, right now. We know that opportunity doesn’t wait around, so we make sure you don’t have to either.

The Discover brand was built on innovation and loyalty. Discover Network extends both of these traits to you together. As the payments network that virtually invented rewards programs, we understand that loyalty can go well beyond just that. We offer an array of card products and features that are designed to bring cards to the top-of-wallet and help make your business an inherent part of the lives of customers. And of course, if you’d like to win over cardholders or customers with a good old-fashioned rewards program, nobody knows how to do it better.

It would seem that most players in the payments industry are quite satisfied with the status quo. Discover Network isn’t. We are driven to create new and better solutions for our partners. That attitude has led to innovations like our Cash Over program, which gives cardholders a better way to get cash with a credit card, brings cards top of wallet and generates traffic for merchants. It’s led to streamlined ideas like Buy Smart with Discover Network, a customizable online tool that brings issuers and merchants into a hassle-free and mutually beneficial relationship. And it’s led to innovative technology like Discover Network Zip. If there’s an idea out there that can move us forward together, that’s the kind of idea we’re ready to consider.

Fraud protection and data security become more vital every day. That’s why Discover Network helped found the PCI Data Security Standards Council and started our DISC program, both of which help our clients achieve PCI compliance. It’s why we require 100% authorization of transactions. That means every transaction is authorized, no matter how small, helping to protect our partners from loss or liability.

At Discover Network, we haven’t just learned about your business in a textbook or Webinar. We’ve lived it. For years, we worked as an issuer finding new ways to put cards in wallets and then get cards top-of-wallet. We also worked as an acquirer, partnering with merchants to increase traffic, volume, ticket averages and, of course, customer loyalty. We’ve helped merchants find new ways to drive traffic and increase ticket averages. Today, with a new business model that brings us together, our years of firsthand experience are here to benefit you. We’ve seen the obstacles before you and know how to turn your opportunities into success. In other words, all of Discover Network’s insight and expertise can now help your business. And we’re glad to be on your team.

A solution for one business may not fit another. That’s why Discover Network assigns account managers to your business and we’ve designed flexibility into a broad range of solutions. These solutions include: modular technology that allows your business to adapt to your audience; flexible product offerings that can be matched to your needs, whether you’re a major corporation or a start-up; and product features that help you make a powerful connection with your customers, clients or cardholders to build loyalty and increase revenue.

With Discover Network, you don’t just “Know Better”, you know more. We provide you with free resources like the Knowledge Center that help keep you up with the latest business information, trends and practices. We offer expert marketing analysis as a part of your program development. We provide exclusive industry data that can help you make the right moves at the right time. We provide dedicated relationship managers who get to know your business and can react better to meet your needs. We’re here to answer your questions or to work with you to find the answer.