Credit Solutions

Complete Credit Card Services - All From One Source!

Maximize the performance of your credit card portfolio with Classic, Gold, and Platinum credit card programs that address both consumer and business lending needs. You can rely upon PSCU, the nation’s leading credit union service organization (CUSO), to provide feature-rich Visa and MasterCard programs that attract attention - and earn loyalty - from your members.

Our credit card data processing platform is powered by First Data Corporation, a leading provider of payment solutions. Designated as Card International's Card Processor of the Year, First Data serves 4.6 million merchant locations, 1,600 card issuers, and millions of consumers.

Adding value to the industry-leading powerful card platform, we offer experienced consultants, outstanding 24 x 7 Contact Center Support and complete processing flexibility to help credit unions boost outstanding balances and transactions while delivering an important member service.

More Information

For more information on our solutions and services please click here or contact us at today at (800) 443-7728, ext. 4007.

Solutions

Core Payment Solutions

Annual Activity Summary Solution

The Annual Activity Summary provides your cardholders with an itemized year-end list of all the transactions on their account in functional categories, such as merchandise/retail purchases, travel/lodging expenses, groceries, ticket/events, gas/automotive, and restaurants. This money management tool aids your members in budgeting household expenses, identifying business expenditures, and preparing for taxes.

Our Annual Activity Summary Solution offers these key features and benefits:

Provides cardholders with a helpful, easy-to-use money management tool
Eliminates the need for cardholders to keep individual receipts
Provides answers to cardholders’ year-end questions, which may reduce the number of calls your service representatives receive
Itemizes all transactions for the previous year within each category allowing for quick, easy member reference

Credit unions will receive all members’ account summaries via RowNet. Summaries can be generic or can display your credit union’s logo. Enhance loyalty and satisfaction by giving your members a convenient, comprehensive summary of card usage for the previous year.

Balance Consolidation

In the competitive world of credit, it is important to optimize every interaction you have with your members, including the opportunity to quickly and easily transfer balances with high interest rates to your credit union’s credit card account.

Our one-step process makes balance transfers quick and easy. Entering the payee name, address, and dollar amount into the system automatically generates a check and mails it to the lender. You can elect to have confirmation letters sent to your credit union, and our online reports simplify your information gathering needs.

We also offer Balance Consolidation 24 x 7 , which allows our Contact Center representatives to process cardholder requests around the clock. Security is maintained, since all cardholders are required to go through the authentication and verification process using our automated response system before a balance transfer is processed.

Increase your outstanding balances with a proven solution that builds member satisfaction and loyalty. Balance Consolidation can be used alone or combined with other credit solutions, including Convenience Checks, CURewards^®, and Transaction Level Processing, to achieve dramatic gains in credit balances and member loyalty.

Card Activation

Our Card Activation solution helps reduce NRI (Never Received Issue) fraud by sending out inactive plastics. During the embossing phase, a card activation sticker is affixed to the credit/debit/ATM card, and includes directions and a toll-free number to call for activation. The cardholder is authenticated and the card is activated based on account record information.

Card Carriers

The first impression is important…

All plastics are mailed affixed to a card carrier for delivery to the cardholder. In addition to basic card information, card carriers can be utilized as a tool to provide information and/or marketing to the cardholder. For a new account, the card carrier is one of the first communications the credit union has with the a cardholder. We offer generic and customizable carriers.

Cardholder-Selected PINs

Cardholders having trouble remembering their Personal Identification Number (PIN)? Not anymore. Allow your members the opportunity to select a PIN they can remember. A mailer can be sent that provides all the necessary information and steps to change their PIN to one they can easily remember.

Your credit union can also choose to offer this solution through Interactive Voice Response (IVR) and/or through ATM terminals.

Consumer Credit Cards

Astutely managed and actively promoted credit cards can be the highest performing asset a credit union has. Whether your strategy is to strengthen member relationships, increase activation levels, or grow balances, we are here to help you optimize the value of your portfolio. Recognized as the leading credit union industry partner, we provide a full array of credit card services, tools, and strategic guidance for credit unions.

Our CreditAbility™ system is powered by our partnership with First Data, which serves more than 4.1 million merchant locations, and over 1,400 card issuers and millions of consumers. CreditAbility offers a totally integrated approach to core, management, growth, targeted growth and risk management credit card services across all the ways you want to do business. With CreditAbility you can tailor Platinum, Gold, Classic/Standard and Premium card programs to fit the needs of your members. So join hundreds of our member credit unions that use these solutions to achieve higher levels of portfolio performance and member satisfaction.

Convenience Checks

Increase usage by active cardholders and energize dormant accounts with our Convenience Check Solution. Convenience checks are an ideal companion to debt consolidation and balance transfer promotions, and may be distributed to new or existing cardholders automatically or at the cardholder request. Each promotion can be offered to all cardholders or a specific group.

Our solution offers easy implementation and full integration with current processing methods, and we offer attractive and contemporary check designs. Letters can be customized with your credit union’s logo and authorized signature, and volume discount pricing can be obtained through our designated check vendor. All convenience checks contain a special MICR encoding format that allows check usage without disclosing the credit card account number.

Our flexible program offers the following options:

New Accounts - Designed specifically for your Consumer accounts, Advisors Plus® offers a suite of campaign options. These options allow your credit union to target a specific segment or your entire card portfolio, which allows you to capitalize on the opportunity for cardholders to transfer balances from their higher interest rate accounts in order to acquire additional revenue.
On Demand and Reissue – Available exclusively for Business and/or Home Equity accounts. On Demand allows checks to be issued at any time upon the cardholder's request. Reissue accounts can be set up to automatically send the cardholder 3, 9, or 20 checks.

Here’s a fast, easy way to strengthen your credit portfolio and provide members with needed cash. What could be more convenient for your credit union and your members?

This program can also be combined with Balance Consolidation, CURewards^®, and Transaction Level Processing to achieve dramatic gains in credit balances and member loyalty.

Credit Balance Refund

Our Credit Balance Refund Solution eliminates the manual intervention and processing associated with returning credit balances to credit union cardholders. We will systematically generate a file listing all accounts with a credit balance after two billing cycles without any activity. Credit union-branded letters and refund checks are automatically generated and mailed to the designated cardholder.

A core service that is provided with this product is the ability for the settlement check clearing process to be self-administered (for settlements) by the individual credit unions.

Flexible Processing Options

We offer the most flexible processing options in the industry with everything from in-house to full-service options. Your credit union can outsource cardholder contact services to gain expertise and reduce internal operating expenses. With a full-service solution, we handle all cardholder contacts, resolve all inquiries, and track and manage Visa and MasterCard regulations. We also offer an in-house option in which our 24/7/365 cardholder contact services are available after hours or during a local emergency, as part of a business continuity plan.

Outstanding Cardholder Support

When your members have a question about their statement, credit limit or balance, they want an immediate answer. Courteous, well-trained representatives in our Contact Center address cardholder concerns quickly and efficiently in English or Spanish at any time of the day or night. We resolve more than 18 million telephone inquiries and 400,000 letter inquires each year.

Certified as a Center of Excellence, PSCU's Contact Centers have twice as many satisfied contact center users than the industry average and a smaller number of abandoned calls. Calls are also answered more quickly and issues are resolved more efficiently than other industry contact centers. And because our employee turnover rate is significantly lower than the industry average, your members’ questions are answered by some of the most experienced representatives in the industry.

Our state-of-the-art facilities in Arizona, Florida, and Michigan also offer the most advanced, efficient service technology available. These redundant Contact Centers provide dynamic call load balancing, full coverage for all U.S. time zones, and fast responses at all times of day. We offer continuous support for your members, even during a service disruption at either facility.

Plastics

A Variety of Popular Options Are Now Available…

Benefit from Cooperative Volume Discount Pricing When Ordering Traditional Plastics

Reduce your costs and personnel time by ordering plastics for your credit, debit, gift, and ATM cards from PSCU. Our dedicated staff will quickly and efficiently process your orders and answer any questions. You can create your own customized designs or choose from over 100 stock designs. Full-faced foil and translucent cards are now available. Best of all, your credit union will benefit from volume discount pricing based on our cooperative scale.

Enhanced Security and Top-of-Wallet Positioning Can Be Gained By Offering PhotoCards

1x1 PhotoCards allow your members to include their personal photo on the card front. This feature provides Merchants with another ID verification at the point of sale.

No Minimum Order Required on Digital Plastics

A minimum card order is a thing of the past with Digital Plastics. Digital Plastics make it possible for your credit union to offer multiple designs that appeal to all or specific segments of your membership. Your cards are printed edge-to-edge on white plastics as needed for easy card personalization.

It’s What’s Inside That Makes Contactless Plastics So Popular

Contactless plastics include a radio-frequency chip embedded in the cards that allow them to “speak” to enabled POS terminals. Contactless targets merchant locations where speed and convenience are vital. This technology also provides added security since the cardholder maintains possession of their card. Transactions under $25 don’t require a signature or receipt so your cardholder enjoys fast “in and out” convenience.

Transaction Level Processing

Earn exceptional member loyalty by matching - or exceeding - the best credit offers in the market. Our Transaction Level Processing (TLP) tool equips credit unions to implement and track up to 50 separate promotional rate campaigns for each cardholder. The ability to launch frequent promotions can stimulate card usage, attract new cardholders, and grow outstanding balances.

Transactions can be included or excluded from a promotion based on transaction date, account open date, transaction merchant number, transaction type, and transaction amount. You can offer APRs as low as 0% on specific transactions and balances.

TLP can be used alone or combined with other credit offers, including Balance Consolidation, Convenience Checks, and CURewards^®, to achieve dramatic gains in credit balances and member loyalty.

Travel Accident and Baggage Delay Insurance

Address travelers’ increasing demands for security with Travel Accident and Baggage Delay Insurance for MasterCard and Visa programs. This insurance covers accidental death and dismemberment, trip delay, trip cancelation, emergency evacuation, and a baggage delay benefit that reimburses cardholders for the emergency purchase of essential items. This coverage applies to domestic and worldwide travel, and includes acts of terrorism. All family members are insured if the covered credit or debit card account was used for all ticket purchases.

This program is administered by DFS&A Insurance Agency, which requires minimal involvement by your credit union. A variety of coverage levels are available.

Loyalty Payment Solutions

Association Sponsored Rewards

Boost your CURewards program by increasing exposure to your members with national brand offers from VISA Incentive Network or MasterCard Enhanced Value. Special merchant offers on your behalf encourage spending with your credit union’s card. Participants in the CURewards program meet association standards and may be eligible for an increased interchange rate for participating cardholder transactions.

CURewards®

With the enhanced CURewards^® from PSCU, we’re providing even greater opportunities for credit unions to attract and retain loyal members. Our loyalty program goes beyond credit and debit card rewards. With Member Loyalty Rewards (MLR), we provide a complete continuum of rewards for bill pay, loans, savings accounts and any other product or service your credit union offers. MLR allows credit unions to “link” accounts and relationships into a consolidated rewards program.

Credit Union Benefits

Revenue Growth – Credit unions enjoy higher transaction and utilization rates for the products that are rewarded.
Cross-Selling Opportunities – You can reward members for adopting new products and services.
Increased Member Loyalty – CURewards^®deepens the member relationship by rewarding the use of more products and services than ever.
Flexibility for Credit Unions – Your credit union can choose to build a program that ranges from rewarding basic card transactions (Transaction Level Rewards) to rewarding the entire member relationship (Member Loyalty Rewards).
Credit Union Customization – Each credit union sets the rewards rate, redemption criteria and merchandise/travel options.

Member Benefits

More Opportunities to Earn Points – Members can combine rewards points from different credit union products to earn more points and earn them faster.
Diverse Rewards Options – CURewards^® offers something for everyone with a wide range of travel, brand-name merchandise and merchant gift card rewards.
Simplified Point Redemption – Your enrolled members will have access to our user-friendly Web site where they can easily redeem their points in a snap.
Targeted Rewards – Our flexible program can be tailored to your members’ needs and desires, whether they are Gen Y members, small-business owners, or individuals who desire “green” rewards.

We help you promote our turnkey solution with marketing materials, an interactive voice response system for program information, and a dedicated program Web site, www.curewards.com.

Combine CURewards^® with one or more of the following programs to boost credit balances and usage rates: Credit Line Increases, Balance Consolidation, Transaction Level Processing, Convenience Checks, and Advisors Plus.

CURewards® Mall

Our fully integrated merchant funded rewards program, CURewards® Mall, empowers credit unions to reward members with points for using their credit and debit cards in a way that’s faster and more effective than ever.

Members receive relevant offers of points or discounts from thousands of local and national retailers in the Mall network. The Mall fully integrates with the CURewards website for a seamless and engaging member shopping experience that stimulates card usage. Members can request to receive communications from their favorite retailers about special points offers or purchase discounts.

Your credit union receives a rebate percentage based proportionately to the redemption rate of your current CURewards program for spending in the Mall network. The rate of return is evaluated annually for each credit union to offset the cost of redemptions. A credit is issued on your credit union’s monthly invoice based on members’ spending in the network.

Member Loyalty Rewards

With Member Loyalty Rewards, your credit union can link a full spectrum of accounts and products throughout your enterprise into a consolidated loyalty program creating greater product penetration and loyalty to your credit union. By giving your members faster and greater opportunities to earn points, your credit union will strengthen long-term relationships and help you grow revenue. Our flexible program allows you to design almost every aspect of your program. Your members can earn rewards points for the products and services of your choice - from credit and debit cards, to mortgages, auto loans, bill payments, savings accounts, prepaid and more

Rebate Rewards

Our flexible Rebate Rewards solution allows your credit union to reward members with “Cash Back.” You set the percentage of net sales to be returned, the method by which it is paid and when it is rewarded, such as monthly or annually. Rebates can be applied directly to the credit card account and displayed on the cardholder’s statement, or a file can be sent to your credit union for distribution.

Transaction Level Rewards

Our Transaction Level Rewards solutions creates growth opportunities for your credit union by driving activation and usage of your card through special promotional rewards programs. You have the freedom to reward the transactions of your choice from a cardholder’s first purchase to retail spending on Black Friday, or frequent purchases like gas or groceries. These programs create sustained use and higher transactions with your credit union’s card. The result is not only increased cardholder activity, but higher member satisfaction and loyalty

Risk Payment Solutions

Account Level Pricing

Retaining and growing your portfolio means providing cardholders with the solution they demand. Reward loyalty and recruit new accounts with flexible, dynamic pricing. Account Level Pricing evaluates cardholder account characteristics and behavior, and automatically adjusts pricing at the account level. Eliminate manual reviews and account changes with this powerful account management tool. Improve member service by quickly responding to changes in card usage.

With our solution, you can execute pricing strategies that are based on the cardholder’s credit bureau score, external status, time on books, and other factors. Accounts can be automatically evaluated and re-priced according to a schedule determined by each individual credit union.

Streamline account management with this valuable tool today.

Adaptive Control System

Use online predictive technologies to proactively respond to changes in risk in your credit card portfolio. Our Adaptive Control System Solution employs an advanced analytical model to evaluate cardholder accounts using a behavior score. This score, based on models from First Data and Fair Isaac and Company, helps your credit union to identify both positive and negative changes in credit conduct.

Our strategies make portfolio management decisions based on the combination of behavior scores with delinquency history, credit bureau scores, and other account attributes for each individual account. With this solution, your credit union can take appropriate action for accounts that show increased risk, while rewarding accounts with decreased risk. Better management of credit line, reissue, and collections strategies improves profitability while enhancing member service.

Our Adaptive Control System Solution allows credit unions to enroll in one or all of our management strategies:

Credit Limit Management – Allows the systematic upward or downward adjustment of credit limits
Reissue – Establishes a customized reissue period based on performance and risk
Delinquency – Alters the flow of collection activity based on cardholder risk
Over limit – Manages overlimit accounts to reduce risk

Automated Risk Management

Manage your credit portfolio efficiently and easily with our Automated Risk Management Solutions (ARMS). ARMS is comprised of three dynamic solutions that systemically assesses, predicts, and controls risk in your portfolio. Our ARMS suite of products - Adaptive Control System, Account Level Pricing, and Score Source, can be used independently, but they were developed to work together seamlessly for the most powerful risk management program.

These solutions equip credit unions to adjust reissue periods, credit lines, and pricing strategies based on cardholders’ behavior and risk. Proactive information equips your credit union to prevent losses, while simultaneously rewarding cardholders’ whose credit status has improved. Detailed, updated information can reduce expenses and losses on plastics and can also lead to increased credit card usage.

Card Value (CV) Denial

Card Value Denial Threshold for Signature and PIN transactions help protect against “brute force attacks.” Card Value Denials are monitored and counted based on your selection of number of denials within a defined timeframe.

Cardholder Payment Protection

Payment Interruption Insurance safeguards credit unions and their cardholders. This turnkey program operated by PSCU and Central States Indemnity of Omaha (CSI) alleviates or reduces credit card obligations in the event of an unexpected loss or hardship:

Insurance takes over minimum monthly payments if the primary insured cardholder becomes involuntarily unemployed or disabled for more than 30 days (some exclusions and limitations apply).
Unpaid balances up to $10,000 are paid in the event of the death of the primary or secondary insured cardholder. Credit unions receive a percentage of all premiums collected each month. Since CSI provides toll-free customer service and handles all administrative functions and coverage and claims processing, no credit union involvement is needed.

This insurance program generates income for credit unions while safeguarding your cardholders’ ability to make payments during difficult situations.

CardLock®

Innovative Service Empowers Cardholders to Prevent Fraud

People lock their homes and cars to keep them safe and secure. Now they can lock their credit and debit cards for the same reason. Imagine the peace of mind your cardholders will experience when they can apply an additional level of security to their accounts to supplement the protection your credit union provides.

That’s what our revolutionary CardLock^©solution does for you and your cardholders. With a simple phone call to a secure, automated system or by visiting the CardLock^© Web site, your cardholders can block and unblock authorizations to their accounts as they choose – anytime, anywhere.

The innovative concept of empowering cardholders to participate in the security of their own accounts represents an entirely new, proactive and cost-effective approach to fraud and loss prevention.

The CardLock^© difference:

Gives cardholders active role in protecting their accounts
Enhances cardholder’s perception of credit union’s commitment to security
Builds cardholder confidence and peace of mind
Integrates with credit union’s security strategy
Reduces potential fraud losses
Works with Falcon Fraud detection monitoring

CUCollect™ Credit Card Collections

Today’s challenging economy calls for strong collections practices to limit your exposure to credit loss and protect your revenue. PSCU's enhanced CUCollect™ Credit Card Collections solution provides substantial benefits for credit unions looking to improve their bottom line. This service:

Uses a credit union-friendly approach
Expands collections activity to after-hours and weekends
Increases intensity of collections with multiple contact attempts per account
Covers all levels of pre-charge-off delinquencies (buckets 1-6)
Reduces overhead, credit losses and credit loss exposure
Uses a simple per-account pricing model based on assigned account volume
Eliminates fees for start-up, monthly maintenance, skip tracing, or urgency payments
Supports 24/7/365 inbound collections capability for cardholder callbacks
Deploys cost-effective digital dialing campaigns for early stage collections
Leverages technology to maximize cardholder contact and collector performance
Reinforces the credit card payment as a priority to your members

Are your credit card loss prevention and containment practices delivering successful results? You can count on PSCU to help lower your delinquency rates and build member loyalty.

Falcon Fraud Detection

First CUSO To Deliver This Preventative Technology!

We are the first CUSO to deliver advanced neural network technology that examines incoming credit and debit authorizations for potential fraud - in real-time. CUNA Mutual, the bond coverage underwriter for many credit unions, endorses this technology as an effective fraud management tool. Each authorization is analyzed using a database that contains profiles of merchants and cardholder behavior. Any fraudulent activity automatically updates the database, so that fraudulent attempts can be immediately detected and both current and future attempts can be prevented. Our Falcon Fraud Detection Center reviews each suspicious transaction, reviews the cardholder account and calls the cardholder if necessary.

Other activities that proactively reduce the risk of fraud are our detailed authentication processes for card activation and the co-mingling of cards with other mail to reduce the risk of mail fraud. Our well-trained Contact Center representatives handle activation calls. Cardholders are asked to confirm proprietary personal information as well as identify unique data from the card. U.S. cardholders receive a toll-free number and international cardholders received a collect number. Both Visa and MasterCard report that these techniques significantly reduce the risk of fraud. These security techniques can also earn a discount from insurers, while increasing cardholder confidence and boosting loyalty.

Footprints

Footprints Online Service helps issuers track transactions entered by your employees on cardholder’s accounts residing on the First Data system. Using an interface with First Data, your credit union can select, view, and download transactions by User ID and date range. Transaction reporting history, either by User ID or cardholder, is available for 120 days.

FraudNet™

FraudNet™, the leading bill payment fraud detection tool, enables us to leverage technology, shared intelligence, and our expertise to stop fraud before an attempt becomes an actual loss.

In managing online risk we provide the peace of mind of preventing online bill payment fraud through the industry's leading and most trusted fraud prevention application the FraudNet™ solution. FraudNet™ is powered by the world's only fraud engine specifically designed to detect fraudulent bill payment transactions. Online users will now experience increased security and confidence with the addition of FraudNet™ to PSCU's online bill payment solution.

FraudNet™ provides your members with the increase sense of security through its neural technology feature by proactively detecting fraud and stopping fraud attempts before they become actual losses. The system leverages data with participating partners in a real time environment while at the same time links up to a detection network that becomes larger and more intelligent with time.

Identity Theft Solution

Victims of identity theft spend an average of 40 hours and more than $400 to restore credit and identification information.

Users of financial services are understandably concerned by recent large-scale thefts of personal information. PSCU's affordable and comprehensive Identity Theft solution delivers peace of mind for your members - with turnkey solutions and support that help your credit union meet FACTA compliance requirements.

Our Identity Theft solution can be offered several ways. The Blanket program provides a low-cost way to offer complimentary identity theft protection for your members. Basic coverage includes: an assigned recovery advocate that assesses damage, creates a recovery plan that includes the use of limited power of attorney, and corrects all incidents of fraud. This plan also provides 12 months of post-recovery follow-up. The CLUB program offers the same managed identity recovery services described above, but the benefit also extends to the member’s family including children under 25 and parents in the same household. Advanced coverage adds continuous credit monitoring with weekly alerts that identify account activity, educational materials, and identity theft insurance of up to $10,000 in reimbursement expenses. Customizable marketing materials including branch posters, brochures, and statement inserts are available to all subscribing credit unions.

The Identity Theft solution from PSCU offers several competitive advantages including: managed recovery, coverage of identity theft events that occurred before enrollment, and no exclusion for identity theft by family members. Credit unions also receive fee income for all enhanced coverage subscriptions. In addition, we can supplement your Red Flag Strategy by providing a written plan template and a gap analysis as well as employee education and training.

Score Source

Save time and money with our Score Source credit portfolio management tool. This solution provides quarterly updates using Beacon^® scores that are based on the cardholder’s Equifax credit report. Score Source also provides Bankruptcy Navigator Index (BNI) - a powerful analytical tool designed to identify consumer bankruptcy risk at an early stage. Built exclusively by Equifax, BNI predicts the likelihood of consumer bankruptcy within the next 24 months and helps customers make timely decisions regarding acquisitions, credit limits, risk-based pricing, credit line management, over-limit authorization, re-issuance, and collection activity.

These scores quickly indicate any changes in the risk level of each cardholder’s account. Our automated process is significantly less expensive and time-consuming than running your own portfolio reviews. Enrollment is easy. All you need to do is enroll the desired accounts - there is no need for tape transmissions and enrollment is FREE. New scores are available in January, April, July, and October.

Small Business Payment Solutions

Business Credit Cards

The benefits are compelling:

Adds convenience by separating business and personal expenses
Allows better tracking of small business expenses
Saves time at point of purchase; offers more locations than business checks
Additional cards can be requested for authorized employees

To strengthen your relationship with business depositors, we can facilitate turnkey merchant servicing for member business owners to accept credit and debit cards. Our package includes check verification and guarantee, 24x7x365 member support, terminal rentals, leases and sales, chargeback, and retrieval processing. All supported by extensive training and online reporting for management information.

Technology Payment Solutions

Data eXchange

Data eXchange™ provides credit unions real-time up-to-date cardholder data with update capability. It retrieves data for specific information contained in the First Data system. All functions can be available to all audiences such as members and employees. Data eXchange translates and reformats raw data into an integrative version and is fully customizable. This solution is managed by the credit union.

eStatements

Our credit unions appreciate the electronic cardholder statement delivery options available from PSCU. With eStatements, cardholder billing via Enterprise Statements or Strategic Communications Solutions (SCS) are delivered in an electronic format through our InfoLink^{^SM} and Data eXchange^TM solutions. Your cardholders are instantly notified via e-mail when their statements are ready. It’s just that simple!

InfoLink

InfoLink allows cardholders to view their consumer credit card information through a link on their credit union’s Web site. InfoLink can be branded for seamless integration with the credit union's Web site, whether a URL or designated Web address is selected. Along with being able to view current balance and pending and posted transactions, credit unions can opt in to InfoLink’s enhanced services. Members will enjoy a number of additional features such as the ability to pay their credit card bill online, activate their card, order a replacement card, maintain account information, request a PIN, submit online account inquiries, or order statement copies.

Payment Processing

With PSCU's payment processing, cardholders have the option to mail payments to strategically located lockbox locations around the country, or take advantage of online or pay-by-phone methods.

Pay My Credit Card Bill

Our Pay My Credit Card Bill Solution allows cardholders to pay their credit card bill and perform a host of other credit-card-related tasks anytime, and at no charge, using your credit union’s InfoLink^SMsite. Users of the Pay My Credit Card Bill service can make "on-demand" payments at their convenience and can make an ACH deduction from a cardholder deposit account.

Pay by Phone

Cardholders also appreciate the convenience of making a credit card payment from their checking account with a single call at anytime of the day or night to our Contact Center. With Pay By Phone, our representatives take the required account information from the cardholder and activate the payment. This service reduces the number of late payments by offering "payment on demand" for a nominal charge.

PerformanceOne®

PerformanceOne®, the Web tool for enhanced performance, is available to all credit unions via our member portal, MemberConnect. This self-service Web tool quickly and easily provides key performance, profitability, and trending metrics on your credit and debit programs. The days of reviewing various First Data reports to monitor and track credit and debit program activity and growth are gone - our credit unions simply log on to MemberConnect, access Web Applications, and key card data is right at your fingertips.

View our demo to learn more about PerformanceOne.

Right Time Payment

Right Time Payment (RTP) offers a temporary real-time authorization for credit card accounts. After a payment has been made, the RTP function will temporarily adjust the cardholder’s credit and delinquent attributes. Purchases can be made immediately based on the new available credit amount or status.

ROWnet™

Our ROWnet™ solution provides Internet access to your reports on IDP. This solution requires a VPN connection for users to view, print, and download reports or statements to their workstations. ROWnet is a more secure, time efficient, and cost effective alternative to hard-copy reports.

TechLink

Our TechLink^SM service offers a one-to-one resolution of your members’ technical issues with Internet and software problems. This service is offered 24/7.

Web-Based Member Self-Services

Satisfy members who want to self-service by viewing credit card statements online while simultaneously encouraging the use of your credit union’s online banking services with our InfoLink^SM service. This service delivers summary credit card information to a secure Web site that incorporates the logo and look of your Web site. Single Sign-On is available with several home banking providers, eliminating the need for your members to log onto two sites to view their accounts.

Standard Services

Register any financial institution credit card
View payments or transactions that have posted to the account since the last statement
View summary data for any registered account
View transactions from the last three statements
Download transactions in Microsoft Money or spreadsheet format
View CURewards® points balance (if offered by the credit union)
Remove accounts, change InfoLink password, reset forgotten password

Enhanced Services

Pay credit card bills
This option equips users to make ACH-based payments on any registered credit card account.
Activate credit cards
Cardholders can activate their credit card online if the plastic status code on their account indicates that the card has not been activated.
Request PIN mailer
Cardholders can request an existing PIN for any registered credit card account, which will be mailed to the cardholder address. Each credit union determines a secondary authentication method for use with this feature.
Order a replacement credit card
Cardholders can request a replacement for a damaged credit card, after verifying that the card has not been lost or stolen. A required method of secondary authentication is determined by the credit union.
Maintain cardholder account information
Cardholders can update addresses, phone numbers, and e-mail addresses online after secondary authentication, which is set by the credit union.
Order statements for last 12 months
Cardholders can request a copy of any available statement for any registered credit card account for the past 12 months.
Initiate general inquiries about payments or transactions
Cardholders can click any transaction on the history page to initiate an e-mail inquiry into that transaction. Members can also submit general questions about their account and choose the method that they want to be contacted - phone or e-mail.

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