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Processing Solutions

Expand your portfolio with our credit, debit, and loan processing solutions.

Whether for a bank, credit union, retailer, or fintech provider, we offer comprehensive processing solutions for all electronic payment and lending needs.

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Benefits for Financial Institutions

From credit and debit card processing to cash management and lending, we deliver the value-added services and solutions that help drive overall operational efficiency, improve risk management, and increase customer engagement and retention. Financial institutions of any size can tap into our compelling services, cutting edge innovation, power of scale, and access.

Transforming the First Data Offering

We have provided a summary of our original First Data solutions below. To learn more about exciting Processing solutions we can offer to issuers as a result of our merger with Fiserv, please visit the following:

Credit Card Processing

Deliver innovative, digital-first credit card processing solutions designed to help you stay competitive and generate more value from your portfolios. Our optimized processing and data delivery solutions are backed by the technology, security, and support that financial institutions need to grow in an evolving industry.

Debit Card Processing

Offer cardholders more functionality and accessibility with contactless, PIN-secured, or signature debit card processing, flexible ATM management, and a host of value-added options. Our STAR ® Network offers deposit sharing and surcharge-free ATM access, as well as real-time network management with exception processing, transaction research, and marketing tools.

Loans Processing

Build your portfolio and manage your credit and loans processing needs on a single platform. From account acquisition, to loan processing, to the customer service experience – we support point-of-sale loans throughout the entire loan lifecycle. Our creative loan solutions are more affordable, faster to deploy with real-time integration, and simpler for consumers to use.

Loyalty & Rewards

Satisfy both your customers and your bottom line with a customized end-to-end loyalty program that helps drives higher card usage and strengthens your brand. Dynamic, transaction-level rewards calculations paired with event-, behavior-, and relationship-driven promotion capabilities allow you to target and engage your most loyal customers. Leverage our extensive partner programs, real-time reporting, leading analysis, and next-generation fulfillment services to accelerate earning opportunities. Visit the Loyalty and Rewards Solutions page for more detailed information.

Data Reporting & Analytics

Help improve your marketing effectiveness, mitigate risk, prevent and detect fraud, and enhance collections efficiency with our integrated and hosted analytics and reporting solutions. Evaluate data from multiple sources to drive decision-making across the customer lifecycle — from acquisition, to retention, to collections.

Data Access & Messaging

Access relevant data to enhance analytics, customer service, and collections processes — all in one platform. With over 800 APIs to simplify data exchange and configurable agent and customer service portals, our platform enables you to bring your ideas to life and build innovative and completely customized apps for your financial institution in a faster, more efficient way.

Credit Risk Management

Help balance risk effectively and maximize customer acquisition and retention with our one-to-one approach to credit and payment risk management. We offer identity verification and knowledge-based authentication (KBA) to help you stay ahead of trends and effectively assess and manage risk, while improving operational efficiencies and reducing costs.


Bring security to mobile, online, and point-of-sale transactions with our integrated token services. Our powerful technology protects your and your customers’ data with random non-specific IDs (tokens). As a gateway to the Token Service Provider (TSP) payment network, we provide the infrastructure you need to safeguard your reputation and your customers’ data.

Biller Payments

Consolidate bill presentment and payment channels with our Biller Payments solutions. Utilize our payment gateway to enable automated recurring and one-time payments to reduce costs, improve cash flow, enhance customer convenience, and streamline operations. A single payment gateway supports multiple payment options received via the web, Interactive Voice Response (IVR), customer service representatives (CSR), and in-person.


Help grow your lending portfolio with our configurable origination system, complete with underwriting, workflow, and decision making capabilities. From submitting the loan application using multiple channels, to seamlessly booking the new account in either real-time or batch processing, our solution allows users to complete the entire origination process.