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.