Let us show you how our solutions can benefit your financial institution.

Through the breadth and depth of our expertise, we offer highly effective, cost-efficient solutions for financial institutions of any size. Our EFT solutions include a unique combination of superior products and unparalleled service.

ACCEL/Exchange® and Network Access
ACCEL/Exchange is one of the nation's premier EFT networks, supplying the infrastructure for financial institutions to give cardholders around-the-clock access to their funds. Competitively priced and comprehensive, ACCEL/Exchange maintains industry-leading authorization rates and 24-hour network switch availability. ACCEL/Exchange also offers deposit-sharing and surcharge-free programs and CardAlertTM Fraud Manager to help detect fraud.

In addition to owning ACCEL/Exchange, Fiserv also maintains gateway access with all major international, national, and regional ATM networks; all major POS networks; all major shared service center systems; and all major credit card systems.

ATM Driving and Monitoring
Fiserv drives all major ATM models and supports the latest applications of leading ATM manufacturers. We support all ATM transaction types and offer no-envelope deposit support, local imaging of check deposits, multimedia dispensing, customized and foreign-language text, surcharge flexibility, and network-level statement printing. We also provide support for ATM monitoring and ATM marketing campaigns.

Consumer and Business Debit Card Processing
The Fiserv electronic debit platform processes consumer and business debit card transactions. We maintain direct interfaces with Visa and MasterCard for routing Visa Check and Debit MasterCard transactions. Fiserv eliminates the need for a third party to gateway these transactions, minimizing the cost per transaction.

To help your institution combat fraud, Fiserv offers multiple options for card activation-PIN, VRU (voice response unit), and call center. Cards are unusable until activated by the authorized cardholder.

An optional enhanced chargeback service is available to help you process chargebacks, simplify backoffice operations, reduce occurrences of lost chargeback rights due to submission errors, and cut costs associated with chargebacks. Your institution provides appropriate documentation, such as cardholder letters or affidavits, and we research the request, determine chargeback rights, process documentation, and manage the entire dispute cycle.

Signature and PIN Transaction Processing
Fiserv processes signature-based and PIN-based transactions to deliver a comprehensive solution for card management, network branding, authorization, risk management, settlement, and reporting. Integrating signature and PIN transactions on a single platform lets your institution manage its portfolios to optimize performance, maximize revenue, mitigate risk, streamline back-office operations, and reduce cost.

Rewards
Fiserv offers a flexible rewards program, UChoose Rewards® that allows your institution to differentiate itself, increase debit activity, and grow revenue. The program is available in issuer-funded, merchant-funded, and blended models, and supports both consumer and business market segments. It's easy for cardholders to earn points and redeem them for literally millions of merchandise items as well as travel (airline, hotel, car rental, cruises), adventure rewards, cash, and gift cards from America's top retailers and restaurant chains.

Prepaid Programs
Fiserv provides two prepaid card programs that can help your institution generate year-round fee income with minimal investment. Prepaid gift cards can help you build new relationships with gift card buyers and recipients in the local community.

Card Management and Production
As one of the nation's leading providers of card personalization and fulfillment services to the financial services industry, Fiserv supports a consolidated, comprehensive card management solution.

Risk Management
Fiserv offers a proactive, client-focused risk management approach protects from, detects, and responds to risks to ensure the highest level of service to cardholders and financial institutions.

Our numerous solutions include multiple options and controls for authorization, 24-hour support for lost or stolen cards, and a 24-hour neural network system that monitors PIN and signature transactions and provides notification of possible fraud.

We continue to develop products, services, and processes to address risk exposure in this ever-evolving fraud environment.

Business Support
Fiserv offers individualized program assessment, sophisticated marketing support, and robust data warehouse solutions, including detailed reports and analytics. Your institution can use these tools to analyze transaction trends, assess network participation profiles, and evaluate marketing efforts, making adjustments as needed to improve profitability. Fiserv also provides comprehensive, web-based data management tools to help you manage your EFT program.