zipline (formerly national payment card association)

Founded in 2007 as National Payment Card Association and later rebranded to Zipline, the company offers a payment platform that enables merchants to create their own branded, private-label debit programs. These programs connect directly to a consumer's checking account via the Automated Clearing House (ACH) network, providing a lower-cost alternative to traditional credit card processing. Zipline's solution is often integrated with loyalty and rewards programs, primarily serving the convenience store and fuel retail industries to foster customer engagement and reduce transaction fees.