Payment Solutions

Core Credit Product

Our core credit product allows you to establish a competitive credit offering:

  • Appeal to a broad range of customers who want to build or enhance their credit line
  • Launch this low cost solution quickly
  • Differentiate your product with Discover branding
  • Offer cardholders the security and reliability of Discover’s Zero Liability protection

The Discover core product delivers basic credit functionality and is built on the secure and flexible Discover payments network.


Core Product Features

  • 24/7 Customer Service
  • Zero Liability
  • Cash Access
  • Cash Over

Network Enhancements

Strengthen your program offering with our innovative product enhancements.

Rewards Credit Product

Rewards cards are expected to account for two-thirds of all cards issued and 90% of all transactions by 2013*.

  • Create flexible and differentiated rewards products.
  • Attract new cardholders and segment your consumers and product portfolio
  • Build your credit program and cardholder loyalty
  • Leverage our turnkey rewards delivery platform

The Discover Rewards product gives you the flexibility to offer airline miles, points, cash back, merchandise, partner discounts, or other rewards based on what’s most effective for you and your target customers.

*Aite Group, Financial Rewards Programs, (December 2009)


Rewards Product Features

All Core features plus:

  • Rewards program
  • Lowest Purchase Price Guarantee
  • Auto Rental Insurance
  • Roadside Dispatch
  • Cash Over
  • Cash Access

Network Enhancements

Strengthen your program offering with our innovative product enhancements.

Premium Credit Product

Attract consumers with a product that is rich in rewards and benefits.

  • Position for high spending, frequent transactors
  • Secure first-in-wallet placement by offering dynamic and higher value rewards
  • Strengthen your brand by offering high-touch customer service

With higher-than-average household incomes and less sensitivity to market fluctuations, premium cardholders perform twice the number of transactions as non-premium.


Premium Product Features
All Core and Rewards features, plus:

  • No Preset Spending Limit
  • 24/7 Concierge Services
  • 24/7 Live Customer Service
  • Additional benefits related to Travel and Purchasing

Network Enhancements

Strengthen your program offering with our innovative product enhancements.

Premium Plus Credit Product

Take care of your high value customers with a feature-rich rewards product.

  • Protect and grow a high spending customer base
  • Drive incremental revenue
  • Exceed expectations with world class customer service

The Premium Plus product is designed to appeal to high-spend, high-volume consumers who have a stronger purchasing capacity. Help them become the bedrock of your business by offering unique features that meet the specific needs of the highly affluent lifestyle.


Premium Plus Product Features
All Premium features plus:

  • 24⁄7 Enhanced Concierge Service-standard services plus elite experiences such as dining, events, wine club and more
  • Comprehensive travel benefits including airport lounge access
  • Appealing purchasing benefits

Network Enhancements

Strengthen your program offering with our innovative product enhancements.

Business Credit Product

Target the profitable small business market segment.

  • Attract a new—and highly desirable—customer segment
  • Drive incremental revenue
  • Strengthen your brand’s overall credit card mix

Annual small business credit spend continues to grow and be a highly attractive market. The Discover Business product provides an excellent basis for developing partnerships with community based business.


Business Product features include:

  • 24/7 Customer Service
  • Zero Liability
  • Cash Access
  • Cash Over
  • Travel benefits including auto rental loss and damage insurance

Network Enhancements

Strengthen your program offering with our innovative product enhancements.

Private Label Product

Build new distribution channels with key business partners.

  • Leverage Discover’s infrastructure and connectivity
  • Help partners attract highly profitable cardholders who have a propensity to revolve

Our Private Label features provide an efficient use of resources and speed to market benefits.


Network Enhancements

Strengthen your program offering with our innovative card product.

Co-Branded Credit Product

Leverage the Discover brand to create a powerful draw for new cardholders.

  • Access Discover's high quality merchant data to gain insights to manage your program
  • Rely on our marketing and product development expertise
  • Choose from any of our consumer or business products

Our Co-Branded products back the strength of your brand with the support of our resources. Access to high-quality merchant data can give you insight into loyalty drivers, provide improved tracking of category spending and help to better manage rewards programs and promotions. Customized marketing programs will build awareness, drive usage and maximize the effectiveness of your Co-Branded product offering.


Network Enhancements

Strengthen your program offering with our innovative product enhancements.

Consumer Debit Product

Discover Debit can deliver a more profitable signature debit program for your financial institution:

  • Gain a competitive advantage with our low network expenses, fully disclosed pricing and simplified billing.
  • Improve your bottom line with superior revenue opportunities.
  • Provide the security and convenience your cardholders want with proactive measures and broad acceptance.

The Discover Debit Consumer card helps to build stronger, lasting relationships with your account holders. We’ll work with you so that you can benefit from simple operations that make implementation and program support efficient and worry-free.

Check out the video to see how Discover Debit is better debit.  

Discover Debit is Better Debit


Key Features

  • Identity theft defense
  • Zero Liability
  • Low purchase price guarantee
  • Card and document registration services
  • Travel assurance services

Network Enhancements

Strengthen your program offering with our innovative card enhancements.

Business Debit Product

Help your small business customers grow and stay strong with tools only Discover Debit offers:

  • Human Resources consultant—provides professional guidance through every facet of HR.
  • Attorney on Call provides convenient, unlimited phone access to licensed attorneys.

Discover offers these tools in addition to convenient cash access and the security offered by Discover Debit.


Key Features

  • Identity theft defense
  • Zero Liability
  • Low purchase price guarantee
  • Card and document registration services
  • Travel assurance services

Network Enhancements

Strengthen your program offering with our innovative card enhancements.

Incentive

Appreciate high value customers, employees or business partners with a unique reward solution that reinforces established loyalty. Alternatively, make it a way to thank staff for a job well done.

  • Offer unique card designs with company logos, dedicated campaigns, or even a theme
  • Create a memorable experience for every recipient–every offer is relevant and highly targeted
  • Thank the same people time and time again—it is reloadable

Creating specialized incentive or rebate cards is becoming the “norm”. It is paperless, saves money, and is far more personalized than traditional gift giving methods. Control how and where each card is accepted. And with a complete suite of flexible solutions available, Discover is dedicated to ensure you get the perfect option for success.


Product Features

  • Custom card design
  • One–time or Reloadable
  • Open Loop or Restricted Authorization Network (RAN)

Gift

Great for businesses of any size, these Gift cards are easy to buy and easy to use, and are perfect for just about any occasion.

  • Make purchases online or in–store
  • Improve brand awareness, build loyalty, or acquire new customers
  • Control how and where it can be used

Design the card for use in a dedicated location—like a mall, or simply allow it to be enjoyed everywhere Discover is accepted. And, for a “cardless” option, try Mobile Gifting—with which rewards and gifts are sent, received and managed, all from a convenient smart phone application.


Product Features

  • Custom card design
  • Open Loop or Restricted Authorization Network (RAN)

General Purpose Reloadable

Capture customers who traditionally pay with cash by providing them the ability to enjoy the everyday conveniences of a typical debit account without the risk of overdraft.

  • Provide easy access to cash in–store or at ATM’s
  • Pay bills and make purchases online
  • Top up funds at anytime, online or at many retail stores
  • Use everywhere Discover is accepted

Why limit people to only cash or checks? Attract new customers and clients with a general purpose prepaid account—it’s the fast, easy and more secure alternative to cash. By combining the functions of a debit account with the control of a prepaid card, cardholders gain payment flexibility without the risk of overdrawing. It is the perfect alternative for those who rely on cash every day.


Product Features

  • Cash access
  • Fraud protection
  • Account monitoring
  • Custom card design
  • Reload options

Network Enhancements

  • Recurring payments
  • Perks eShopSM
  • Discover® Zip

Payroll

Eliminate the cost of cutting checks, reduce the risk of fraud, and give business customers and clients a competitive advantage.

  • Leverage existing direct deposit process
  • Provide employees immediate access to their pay through ATMs and for purchases
  • Issue cards instantly onsite
  • Disburse pay, bonuses and incentives

Help business customers and clients save money and payroll processing time. Using their current direct deposit system, businesses can simply load their employee paychecks onto a payroll card that is customized just for their company. Unlike traditional pay checks, employees will get instant access to their pay via ATMs—saving them time and money. Plus, using the card for purchases, employees can track spending and manage their account 24/7, either online or over the phone.


Product Features

  • Cash access
  • Fraud protection
  • Account monitoring
  • Custom card design
  • Reload options

Network Enhancements

  • Recurring payments
  • Perks eShopSM
  • Discover® Zip

Campus

Make student life easy, with one card that has it all. It’s the perfect way for schools to safely distribute scholarship funds and financial aid.

  • Pay for everything on campus, from dining to tuition
  • Customize with school logos, mottos and student ID number
  • Issue cards instantly on campus
  • Provide easy access to funds at ATMs—add funds at anytime—from school or parents
  • Use everywhere Discover is accepted, even online for general purchasing

Provide schools with a safe, easy way to distribute a student’s financial aid and scholarship funds. At the same time, students’ lives are made easy—is the excellent alternative to having to rely on cash everyday. Plus, in addition to being a payment device, provide student ID and building access all with one card.


Product Features

  • Cash access
  • Fraud protection
  • Account monitoring
  • Custom card design
  • Reload options

Network Enhancements

  • Recurring payments
  • Perks eShopSM
  • Discover® Zip

Mobile Gifting

Send, receive and manage rewards and gifts—all from a convenient smart phone application.

  • Eliminate up–front investment or IT integration
  • Personalize each gift in the text message
  • Give customers another reason to do business with you

Stand out and attract new business with this fresh, exciting and cutting edge solution. This “cardless” gift uses smart phone devices to send personalized gift cards quickly and easily.


Product Features

  • Custom Digital Design
  • Variable Acceptance
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