Debit Solutions

No One Offers More Choices for Debit Solutions

The power of cash - without the risk. It’s easy to understand why debit cards are rapidly becoming the most popular payment option in your member’s wallets. Debit cards are equally popular with credit unions since they represent a chance to generate revenue through interchange fees while reducing cash and check processing expenses.

Everything you need in a debit solution is available - as a package or an a la carte service - through our flexible DebitAdvantage™ program. We integrate signature and PIN transactions into a single processing platform that offers a single interface/settlement point to multiple national and regional networks. What could be easier?

We also make signature, PIN, and ATM card solutions available on an individual basis so you can purchase the functionality you need. And all our debit programs feature an attractive rewards program, fully-integrated authorization processing and an effective fraud solution. What could be more convenient?

We work together with industry-leading vendor-partners to deliver a one-stop solution. That’s a big reason why our  DebitAdvantage program services more than six (6) million signature and PIN debit accounts.

For more information, contact PSCU today at (800) 443-7728, ext. 4007, or e-mail us at solutions@pscu.com.

 

Solutions

Core Payment Solutions

ATM Card Solution

Our ATM Card Solution offers convenient card services using national, regional, or local networks. Your credit union can add value by incorporating real-time authorization/settlement and single point PIN-based adjustments. You also benefit from discounted switch fees on STAR and NYCE transactions.

In addition, our ATM Card Solution enables your credit union to tailor authorization parameters at both the program and cardholder level, and you can choose from a menu of authorization methods that include:

  • Real-Time Authorizations enables you to pass all transactions to your host system for authorization
  • Enhanced Open To Buy allows you to choose parameters; we will use your transmitted balances to perform the authorizations.
  • System Authorizations let you choose the parameters and balances, and we perform the authorizations based on your criteria.
  • Stand-in Processing on an “as needed” basis where your credit union determines the criteria and parameters for authorization at the cardholder or credit union level.

Your credit union and members will benefit from our proactive Falcon Fraud Predictor that monitors transactions for suspected fraud. This neural network technology examines incoming debit authorizations for potential fraud. Using transaction, payment and other variables, along with “learned” individual cardholder behavior patterns, each authorization is analyzed to determine the likelihood of fraudulent activity.

  • Customized plastics that offer a variety of upscale stock designs for ATM cards. Choose from hundreds of designs or create your own customized look. Our knowledge of Visa and MasterCard requirements provides your credit union with fast, easy implementation of designs your members will be proud to keep in their wallet.
  • Card activation is available 24 x 7 from our Contact Center representatives, who employ a detailed identification process to ensure that the card has reached the intended cardholder.
  • Mail integration reduces the potential for plastics to fall into the wrong hands by merging new and reissued cards with other mail on a daily basis.
ATM Driving and Monitoring

We start with a fully featured, end-to-end ATM transaction processing solution supported by First Data Debit Services - and add these valuable capabilities:

  • Terminal driving of virtually all ATM makes and models, using a wide variety of telecommunications modes. Standard transactions include: deposits, withdrawals, check cashing, transfers, payment and balance inquiries. Enhanced services include: envelope-less deposits, transaction personalization and verification, PIN change capabilities, customized text and graphics, foreign language screens, and voice-enabled ATMs.
  • Deposit Automation combines the deposit of cash and checks into one slot. Enhanced deposit processing to support unique cash and check deposit messages. When depositing cash, your members receive a detailed breakdown of bills deposited broken down by denomination.
  • Remote Key Distribution allows your credit union the opportunity to remotely load ATM encryption keys down to your ATMs. This is a cost reducing, efficient way to load keys during ATM installation, ATM repair or as part of an overall security initiative.
  • ATM Remote Balancing can save time and money by giving you the opportunity to settle your ATMs right from your desk top. This application replicates and enhances settlement transactions that were only handled at the ATM using a settlement card. Perform over 20 different settlement transactions.
  • ATM Personalization gives your members the feeling of individuality when they visit the ATM. Your members can set individual preferences for language, receipt options, and favorite fast cash amount. Quick and easy is what your members will now say when they visit your ATMs.
  • Transaction Verification is a unique alternative for ATM journaling. Tired of collecting journal rolls or disks? Want near real time research capabilities? Transaction verification is the answer. Take proactive steps to satisfy members before they call or file a Reg-E claim.
  • Performance monitoring of all network switches, gateways, ATMs, telecommunications, and network-certified vendor hardware to ensure maximum uptime.
  • Cash monitoring that allows an ATM to be replenished before it runs out of cash, thanks to real-time monitoring and notification.
  • Online incident management system that provides real-time status of ATM incidents, and interfaces with First Data’s internal ATM monitoring system to electronically generate incident reports for easy facilitation of incident handling.
  • Content Manager that automates the use of advanced graphics to cross-sell services and strengthen member relationships. This manager stores all graphics on a central server and supports remote activation and de-activation, eliminating time-consuming and expensive manual uploads for each ATM. With this solution, credit unions can activate and de-activate campaigns as desired and vary messaging according to ATM location.
  • Tracker Online enables our credit unions to actively monitor and manage their ATMs by accessing real-time and historical details on their terminals. You will have access to ATM incidents, and the incidents display the current terminal problem and the efforts undertaken toward resolution for the device. Custom or predefined reports can be created to better track the operational efficiency of your ATM fleet.
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.

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.

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.

Signature and PIN

A Market Leader Is Key To Your Success

Put a debit MasterCard or VISA card into the hands of your members today. Your credit union will gain added revenue, while members benefit from the security and convenience that have made debit cards so popular.

Our DebitAdvantage™ program provides unmatched processing options and risk management tools, access to top national and regional networks - along with the industry’s most compelling rewards program. We provide you with the flexibility to outsource the functions that complement your in-house processes. Our single online authorization point for all Signature debit and ATM activity simplifies implementation and saves time and money, while a single settlement point consolidates and streamlines all debit card processing. And, our STAR Station® Web-based administrative tool provides real-time access to all the resources and information needed to manage debit and ATM programs. All backed by bilingual Debit contact centers representatives offering outstanding services, available 24 hours a day to assist your members.

Earn top-of-wallet status by allowing your members to combine points from credit and debit accounts (if you participate in our CURewards® solution). This is a powerful incentive for members to use your credit union’s cards exclusively.

With identity theft at an all-time high, our risk management and security features are especially important to you and your members:

  • Predictive neural network technology examines incoming debit authorizations for potential fraud. Using transaction, payment and other variables, in addition to “learned” individual cardholder behavior patterns, our solution analyzes each authorization to determine the likelihood of fraudulent activity.
  • Card activation is conducted 24x7 by our Contact Center representatives, who employ a detailed identification process to ensure that the card has reached the intended cardholder.
  • Mail integration reduces the potential for plastics to fall into the wrong hands by merging new and reissued cards with other mail on a daily basis. Both solutions reduce the chance for fraud due to "never received issue" (NRI) and increase cardholder loyalty and satisfaction. These solutions may also earn a premium discount from insurers for card activation.

Don’t miss this valuable opportunity to strengthen member relationships. We even help you market our DebitAdvantage program by providing graphics, banners, and demos for your Web site, as well as statement inserts and newsletter articles.

For more information, contact PSCU today at (800) 443-7728, ext. 4707, or e-mail us at solutions@pscu.com.

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

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.

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.

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.

Secure Online Transactions

Secure Online Transactions for Signature transactions reduces the risk of fraudulent account number use by securing transactions through Verified by Visa and MasterCard's SecureCode. Both programs provide a safer e-commerce solution by verifying a cardholders account ownership in real-time. This encourages Web-based shopping by your members and simultaneously reduces fraud losses and lowers chargeback and dispute costs to the credit union.

Small Business Payment Solutions

Small Business Payment Solution

Our small business services are a powerful bundle of solutions offered through PSCU and our partner, Sterling Payment Technologies. Your credit union can offer these services as a complete package or in any combination to serve the individual needs of your small business members.

Business Services Suite

  • Business Credit Card- A custom credit card designed specifically for small business owners and their employees. We offer MasterCard Business and Visa Business cards. Other credit product solutions are available for business card; we recommend the following solutions:
    • Adaptive Control System (ACS)
    • Digital Plastics
    • Transaction Level Processing (TLP)
    • Identity Theft
    • Balance Consolidation
  • Business Debit Card - Give small business owners the same ease and convenience they experience when making purchases with their personal debit cards
  • Business Rewards - Offer your small business members our CURewards® program and they will be able to earn points by remaining loyal to your credit union. Their redemption options include merchandise and travel rewards especially selected to satisfy the needs of small business owners. You may also utilize Member Loyalty Rewards for other business services offered at your credit union.
  • Business Prepaid Card - Your credit union may market their prepaid cards to small business members for employee incentives. Reloadable cards may be used for travel and expenses for employees or to serve the unbanked employee.
  • Business Online Banking - We offer an online banking solution designed specifically for the small business owner.
  • Business BillPay - PayLynx offers a version built specifically for the small business owner.
  • Electronic Payment Processing - Credit card, debit card, check conversion, ACH solutions, and remote deposits through Sterling Payment Technologies.

For more information on our products and services please click here or contact us at today at (888) 918-7316.