What We Do

Our goal is to provide a lift in purchases of lottery tickets by enabling consumers to have funds electronically debited from their checking accounts.

What is ACH Decoupled Debit?

Decoupled Debit refers to a mobile app or state issued card that directly debits payments from consumers’ bank accounts using PIN-protected and fully encrypted consumer data.

In 2018, the Decoupled Debit industry processed $30 billion in sales.

Based on low-cost settlement through the ACH network, a suite of electronic fund debit products has emerged for mobile and merchant / state issued debit cards. The industry has referred to this product as “ACH Decoupled Debit”. The term arose from the fact that the electronic funds will be issued from a third party that does not hold the cardholder’s savings or checking account and thus “decouples” the card from the traditional bank / depository institution. In this emerging payment space, Lotto Payment Association is referred to as an “Intermediate Service Provider”.

States and merchants are seeking / demanding a relief from the current business model and monopolistic pricing tendencies of credit card, debit card and payment processors. Lotto Payment Association is capitalizing on this opportunity for a new payment mechanism and has developed the infrastructure and deployed this distributed technology that bypasses the major credit card brands and their interchange schedules.

No Chargebacks – No Reversals

Each transaction is PIN-protected and auto-generates a payment transaction email as further safeguarding. We continuously monitor and limit exposure to fraud and we guarantee all transactions to further minimize risk to retailers and consumers alike.

Unlike traditional payment methods, LPA is in a unique position to provide specific consumer level data to lotteries:

  • Who the players are

  • Verify they are older than 18 years of age

  • How often and what they purchased

  • Where they purchased

  • How much they are spending daily, weekly and monthly

  • Limit how much they can purchase daily, weekly and monthly