DebitAdvantage

No one offers more choice 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 and 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 4 million signature and PIN debit accounts.

Whether you choose one solution or a turnkey package, our DebitAdvantage Signature, PIN and ATM programs all feature:

• Outstanding cardholder support from our friendly, knowledgeable Debit Contact Center representatives. Our bilingual representatives are available 24 hours a day to help your members resolve their inquiries, to include lost/stolen card and dispute processing.
• STAR STATION®, a web-based administrative tool, gives credit unions real-time access to all the resources and information needed to manage debit and ATM programs.
• Fully integrated authorization processing for PIN and signature transactions that can reduce fraud. Real-time authorizations pass all transactions to your host system for authorization. With the enhanced open to buy option, we use your parameters to perform the authorizations, while system authorizations allows your credit union to choose both parameters and balances. We also offer stand-in processing to allow your credit union to determine the criteria and parameters for authorization at the cardholder or credit union level.
• Customized plastics that offer a variety of upscale stock designs for debit and 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.
• Risk management services that employ predictive neural network technology to examine 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.
• Activity reports, including monthly statistical reports that provide an in-depth analysis of your debit card program and Executive View, an interactive application within the Star Station®.
• Comprehensive marketing support with graphics, banners and demos for your web site, as well as statement inserts and newsletter articles.

For more information, please contact PSCU Financial Services today at (800) 245-7728, ext. 4219, or e-mail us at debit@pscufs.com.