Processing Solutions

Whether your institution issues PIN-Secured debit cards, signature debit cards or both, First Data can put a program in place that can help you maximize cardholder satisfaction and simplify your card program needs. We offer a range of services that make debit card issuing easy, reliable and profitable for your business.  From card production to management to processing, we simplify the process of issuing debit cards to your cardholders.

PIN-Secured and Signature Debit Card Processing

Our processing services allow you to offer more options to your cardholders, potentially increasing your revenue and streamlining your operations.

Card Management and Authorization

It's never been easier to execute these tasks than with our full-featured online, real-time debit card management platform. You'll be able to perform a wide variety of card-related functions and customize certain aspects of your accounts.

First Data can also help you select a card authorization methodology and connection type that best meets your institution's needs:

Host Authorization—Control as much of the authorization of your program as you want. Using criteria you define, we can perform card-related authorization and then route transactions to your host for final authorization decisions. We can also route all transactions to your host, or if your host is unavailable, we can stand in and authorize using limits and other criteria you define.

Full Service Authorization—We make the authorization decision based upon a positive balance file your institution updates periodically in addition to limits and authorization parameters you establish.

Gateway Access

Our gateway services provide access to all leading ATM and debit networks, both regional and national, in addition to card associations, giving your cardholders more options and potentially increasing your revenue.

Contactless Card Processing

With a Contactless card, your cardholders can enjoy the convenience of simply tapping their payment cards on a point-of-sale terminal rather than swiping or inserting the card. Designed for use in small-dollar, cash-intensive environments, such as quick-service restaurants, drug stores, video outlets and parking garages, these cards can help your financial institution turn previously cash-only transactions into revenue-generating electronic transactions.

Your cardholders benefit from "tap and go" convenience, faster checkout, increased security (as the card never leaves the consumer's hand), better recordkeeping than cash and wide acceptance.