LucentPay offers the most compliant fee model available!

There is no disputing we are involved in one of the most highly regulated industries in the country. The work required to maintain adherence to the FDCPA, TCPA, FCRA, HIPAA, PCI and CFPB guidelines is a fulltime and critical job for agencies. In addition to government oversight, there are also specific card brand rules which must be followed to ensure uninterrupted processing of your payments via Visa, Mastercard, Discover, AMEX, HSA and other card brands.

At LucentPay we understand the importance of maintaining compliance with these requirements to help mitigate risk, but more importantly ensure agencies can process payments in a timely and continual fashion. LucentPay has configured the No-Cost-to-Biller™ solution to handle the 4 pillars of compliance. These pillars are classified as:

  • Card Brand Rules


  • CFBP

  • State law

LucentPay’s fee enabled models are similar to Western Union’s SpeedPay™, but tailored for the specifics needs of agency clients to adhere to card brand rules and work within the framework of allowable industry practices.

To learn more about our innovative solutions and how you can reduce risk, gain efficiencies and open new payment channels, contact the professionals at LucentPay. At LucentPay our mission is to bring clarity to payment processing, educate our customers and help them deliver best in class payment solutions for their consumers.

Interested in learning more? Click here to contact us!

Ken Schneider