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.
Debit
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 6 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
STAR STATION for DebitAdvantage
STAR STATION® for DebitAdvantage, 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
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
Customized plastics that offer a variety of upscale stock designs for credit, debit, gift 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.
Digital Plastics
Digital Plastics allow credit unions to create multiple custom images for your card programs and print them edge-to-edge on white plastics. These unique images can be customized to appeal to various credit union segments to enhance customer loyalty. Digital plastics allow credit unions to save on upfront costs, by not having to purchase a large inventory of pre-printed stock. When credit unions experience a low or no card inventory situation, having a digital image in place for back-up can be used effectively by eliminating delays in issuing or replacing plastics. With digital plastics the images are readily available. We also have a digital library containing a variety of images for credit unions to choose from.
Contactless Plastics
Contactless Plastics: With Contactless technology, consumers simply place their enabled debit card near the Contactless card reader at checkout allowing for small purchases to be completed quickly, securely and easily. The data on these cards is stored not only on the magnetic stripe but also on a tiny microchip embedded in the plastic of the card. The data from the microchip is transmitted via radio frequency identification (RFID) technology. So instead of having to physically swipe the card's magnetic stripe in the card reader, these contactless cards need only be waved in front of a specially equipped RFID card reading device. PSCU-FS is equipped to offer this innovative debit payment tool to help credit unions with cardholder acquisition and retention efforts, and place you at the forefront of leading technology.
Risk Management Services
Risk management services that include a full suite of solutions. We also employ predictive neural network technology to examine incoming debit authorizations for potential fraud. Using transaction, merchant and other variables, in addition to “learned” individual cardholder behavior patterns, our solution analyzes in real-time each authorization to determine the likelihood of fraudulent activity.
Free Activity Reports
Free activity reports, including monthly statistical reports that provide an in-depth analysis of your debit card program. The Executive View application within the StarStation for DebitAdvantage provides point and click access key growth data at the summary and detail level.
Comprehensive Marketing Support
Comprehensive marketing support will help you focus on growing your portfolio. We assist you through consultation and providing best practices and relevant tools to supplement your current marketing efforts.
Network Optimization Solution
Our Network Optimization Solution is geared towards improving profitability by identifying the networks you currently utilize to route your PIN transactions. An optimized transaction mix equals the most efficient transaction mix, which results in the most effective cost structure for your credit union. Through an analysis of your transactional base, we provide you the tools to assist in changing your members’ behaviors in order for you to reach the optimal transaction mix.
Download Timely Debit Industry Research and White Papers
Member's Only: Debit Education Series
More Information
For more information on our products and services please click here or contact us at today at (800) 443-7728, Ext. 7877.
