Reclaim & Repurpose: Turning Service Fees Into Community Revenue

Purpose-built for municipalities. Transparent. Compliant. Community-focused. Trusted partner of the Alabama League of Municipalities (ALM).

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The Problem

Every year, municipalities process millions of dollars in service-fee transactions for utilities, taxes, permits, and more.
Under the common service-fee model, these charges are collected directly by the payment processor — with most of the associated margin leaving the local economy.

For municipalities, this means:

  • No transparency into true processing economics

  • Service fees exit the local economy entirely

  • No opportunity to reinvest those funds locally

The Solution: Reclaim & Repurpose

With Full Stack Payments Enterprise, your municipality keeps the same service fee model you already use, but instead of the processor retaining 100% of the margin, 50% of that processing margin is rebated back to your municipality to support local initiatives.

This model is fully compliant for public entities and follows a structured reconciliation process to ensure transparency and accountability.

How it Works:

Free Diagnostic

We review your current processor, pricing, and transaction flow at no cost.

 

Transparent Proposal

You receive a detailed report that matches or improves current economics while showing exactly how the rebate model applies to your municipality.

Seamless Onboarding

We integrate with your existing systems without adding work for your staff or changing your customer experience.

50% Rebate Back

Half of the processing margin is returned directly to your municipality, helping fund local priorities with dollars that would otherwise leave your community.

The Financial Impact

Desktop Example

Actual results depend on your municipality’s transaction mix and service fee structure. Our free diagnostic will show you the exact numbers for your municipality.

The Financial Impact

mobile example

Actual results depend on your municipality’s transaction mix and current pricing. Our free diagnostic will show you the exact numbers for your city or town.

Why Governments Choose Full Stack Payments Enterprise

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Built for Government

Secure, scalable solutions designed for municipal environments.

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Proven Expertise

Decades of payments experience with enterprise-grade service.

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Transparent Econimics

Clear insight into where every service fee dollar goes.

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Community Reinvestment

50% of service fee margin repurposed to support local programs.

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White-Glove Support

Seamless onboarding and dedicated account management.

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Adaptive Technology

Flexible integrations that evolve with your municipality’s needs.

Seamless Onboarding Experience

Ensure a smooth transition with minimal IT disruption through guided onboarding, integration with existing databases, comprehensive staff training, and dedicated white-glove support every step of the way.

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Powered by MyGovBill

Accept payments anywhere, any way—Kiosk, Online, In-Person, Phone, Mobile, or Text2Pay—all powered seamlessly by MyGovBill. One unified platform, endless payment flexibility for your customers.

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Start Your Free Diagnostic

Ready to see your municipality’s exact rebate potential?
When you request a diagnostic, here is what happens:

  1. We securely receive your payment statements.

  2. Our analysts perform a line-item review.

  3. You receive a transparent report showing potential rebate estimates.

All data is kept confidential and reviewed only by our internal analytics team.

Statement Diagnostic
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Discover how Full Stack Payments Enterprise helps your municipality simplify payments, reclaim processing margin, and repurpose those funds where they matter most.

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