PLCC and Cobranded Arrangements

A core mission of paymentlawadvisor.com is to help demystify card transactions. Thus, from the site’s inception we have posted examples of consumer private-label credit card (PLCC) program agreements, consumer cobranded credit card program agreements, commercial card agreements, etc. Now we take a further step, posting schematics that summarize at a glance the contractual and financial relationships typical of three types of PLCC arrangements (vertical, dealer, and hybrid), as well as of cobranded arrangements. We trust that these schematics will prove useful to you, and we invite your comments. To view the schematics, click here.