DirectPay™

Let Recipients Choose, Without Losing Control

Offer flexible rewards with fraud protection, branded delivery, and full visibility
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Overview

Flexible rewards shouldn’t come at the cost of compliance or control. With DirectPay, you can give recipients the power to choose how they get paid, while maintaining full oversight of brand, budget, and fraud risk.

This capability lets you create curated, branded redemption catalogs across a mix of digital and physical options: prepaid cards, gift cards, PayPal, Venmo, ACH, and more. DirectPay manages the experience from selection to redemption, with built-in fraud safeguards, tracking, and fallback logic to ensure 100% delivery.

DirectPay offers the best of both worlds: recipient flexibility and program-level control. You define the reward types, budgets, fallback rules, and branding. We handle delivery, redemption, and fraud protection. With DirectPay, you get:

  • Custom-branded digital delivery and reward catalogs

  • MCC filtering and program-specific reward rules

  • Real-time redemption tracking and visibility

  • Built-in fallback and reissue workflows

  • Fraud prevention tools like anomaly detection and velocity limits

  • Support for ESG and DEI program goals

Whether you want to offer two options or twenty, DirectPay makes it easy to personalize without sacrificing control.

More choice for recipients. More control for you. No compromises.

DirectPay is ideal for programs focused on engagement, equity, and satisfaction, without the support burden of managing one-size-fits-all rewards. It’s especially powerful for use cases like:

  • Utility rebate choice programs

  • Wellness and survey incentives

  • Nonprofit and public sector benefits

  • Customer loyalty and retention campaigns

Every choice is tracked. Every delivery is branded. Every redemption is secure.

Increased redemption + reduced fraud.

28%

A regional telecom saw redemption rates rise by 28% after switching to SecureRedeem—while simultaneously cutting support requests and suspected fraud cases by more than half.

Conclusion

With DirectPay, you can scale your programs without worrying about delivery gaps, fraud exposure, or operational overhead. Empower your recipients with real options, and empower your team with a flexible, trackable, secure system built for modern disbursements.

More to read

SurePay™

SurePay ensures every dollar gets delivered, no exceptions. It pairs fast digital payments with an intelligent physical fallback option, giving programs a fail-safe way to reach recipients. Fully branded communications, customizable cadences, and delivery tracking are built in. Whether you're delivering time-sensitive rebates or compliance-heavy reimbursements, SurePay provides end-to-end visibility and peace of mind with a user experience that drives satisfaction.

Save & Spend™

Save & Spend empowers recipients to accrue payments and redeem them when the time is right. Ideal for smaller ongoing programs, it supports repeat engagement and builds brand loyalty. Recipients can access funds through a branded rewards account and select from a curated catalog of redemption options. This model reduces delivery costs, increases program engagement, and offers greater flexibility for both you and your recipients.

1099 Issuance

Take the stress out of tax season with automated 1099 creation and delivery. Choice Digital’s 1099 Issuance capability supports both 1099-MISC and 1099-NEC forms, delivering them via email, portal, or mail. Real-time threshold flagging, audit-ready logs, and secure data handling ensure you meet IRS requirements without burdening your internal teams. Ideal for programs issuing incentives, rebates, or contractor payments, this tool helps you stay compliant, save time, and avoid costly errors.