Boost your margins with Pay by Paycheck.

Highline works for any consumer lending product including personal loans, purchase financing, auto lending, credit cards, student loans, mortgages and more.

It’s just a smarter way to get paid.

Highline’s Pay by PaycheckTM

Grow your business and margins by collecting payments directly from your customers’ paychecks.

Increase conversion with higher approval rates and a better customer experience

Improve collections with prompt notification of employment changes to proactively offer impacted customers repayment options

Reduce credit losses by getting paid before bill drafted directly from consumer bank accounts

Expand your customer base
to increase revenue

Prevent Missed Payments and Credit Losses

With Pay by Paycheck, your payments are prioritized to be paid first. Funds are allocated directly from consumers’ paychecks and routed for bill payment through Highline, while the rest of their paycheck goes straight to their bank account, just like before. The funds are pushed to you with no chargebacks or reversals. Your customers can set it and forget it without having to manage or worry about their bank account balance around due dates.

When someone does lose their income, then you’ll know it before the due date. You can reach out to the customer knowing they have an ability to pay problem, before the due date has even arrived. And then when they have their new job, resume payments through Highline.

Use cases

Offer New Payment Choice

Loan repayment has never been easier, for you or your customers.

Simply drop Highline’s Pay by Paycheck™ into your autopay workflow like any other payment method and Highline handles the rest. When a consumer elects to set up Pay by Paycheck, you’ll call our hosted authorization experience – all within your workflow – to capture their consent. One to two clicks and they’re all set. No redirects from your customer experience, no accounts to login to and no payment credentials to enter. It’s really that easy and all within your control, optimizing for more successful conversions.

Expand Credit Approvals

You don’t have to let credit scores be a barrier to signing new customers.

Leverage Highline’s Pay by Paycheck™ as a tool to extend credit to consumers you would have otherwise rejected. Require these approved customers to enroll in Pay by Paycheck to automatically make their on-going payments to help minimize repayment risk.

Seamless Customer Experience

Easy to Embed

Specifically designed as a seamless plugin to your existing workflows, Highline’s Pay by Paycheck™ provides a frictionless customer experience that optimizes for conversion without a heavy lift on your part.

Highline equips you with an embeddable widget for consumer authorization and a lightweight API for payment request and management. Quick to implement and even easier to maintain.

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Control Your Customer Experience

Keep customers within your environment to ensure the smoothest possible customer experience. You don’t want to risk abandonment by redirecting them to another website or sending them to log in to an account elsewhere, just to facilitate payments. And we get that.

Highline’s Pay by Paycheck™ was built with the end customer in mind – from checking their eligibility before even prompting them with this payment option to a sleek and simple enrollment experience – all within your customer workflow. Setting up automatic payments has never been easier for them, or for you.

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