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Partners List > Operations Solutions > Payments
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CERTEGY, INC.
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Contact Name:
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David Ridley
Manager, Card Solutions
ACB Business Partners
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Contact Phone:
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202-857-5092
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Contact Email:
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[email protected]
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Partner Website:
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http://www.certegy.com
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Partners Hotline:
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202.857.5575
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Since 1987, America’s Community Bankers has given members a full-service Visa and MasterCard program including credit, debit, and merchant card processing. Through Certegy Inc. (formerly known as Equifax), you benefit from support that includes a top-notch travel rewards program, complete transaction processing, 24-hours-7-days-a-week customer service, marketing assistance, portfolio development, risk management, and ACB group pricing. A typical community bank issuer can break even after issuing only 400 card accounts.
Offer a Credit Card You Control
Benefits include:
- You keep all the revenue less operating costs as a direct card issuer and build a new profit center.
- Besides interest income, you build a steady stream of non-interest fee income.
- Gives your bank the opportunity to cross-sell additional banking products and services.
- You determine your product pricing, fee structure and special enhancements including a cardholder rewards program.
Features include:
- You receive a dedicated point of contact for responsive portfolio management.
- E-Reports offers you a new level of convenience and value in report delivery.
- Your statements are generated for timely billing of cardholders’ activity and outstanding balances.
- Choose from three neural network solutions in an effort to contain fraud.
- Create a custom card design to reflect your bank’s locale or branding.
- Reward your best customers with the Platinum Preferred Card.
- Offer a personalized Business Card to those special corporate customers.
Issue Debit Cards to Extend Customer Relationships
Benefits to your cardholders include:
- Debit cards are easier to use than checks with more merchant acceptability.
- Cardholders access their checking account without coming into the bank, minimizing teller operating expense while generating interchange income.
Benefits to your bank include:
- Your bank receives interchange income, fee income, and potential interest income from overdraft lines of credit.
- A debit card program requires minimal start-up investment, compliments a credit card program and offers your customers more options.
Features include:
- Extensive debit/EFT processing options, including multiple authorization options, settlement, and card management.
- Back-office support, risk tools and management, marketing, and technical support.
- Use the reliable and comprehensive back-office and customer service support offered from Equifax or opt for pass-through processing, retaining control and service on site.
Merchant Services for Your Local Business Clients
Benefits include:
- You bank earns discount income on all transactions.
- Dollars generated by consumer purchases made with the card generate new deposits for your bank, which in turn becomes new sources of finds for making loans.
Features include:
- Merchant billing and settlement; profitability reporting; risk management and fraud monitoring; operational support services and, multiple network solutions.
- With Turnkey processing, the ACB/Certegy Program owns merchant liability, approves and monitors risk, monitors pricing and provides customer service while you share in net profit.
Enhancements Increase the Bottom Line!
ScoreCard® Rewards Program
By using ScoreCard, you benefit from a cardholder loyalty-marketing program that offers outstanding value and competes with the best in the market. Choose Bonus Points for Travel or Merchandise or CashBack:
- The Bonus Point Program lets cardholders quickly accumulate points for quality travel, premium gifts or bank product discounts.
- With the CashBack option, cardholders accumulate cash rebates for 12 months from the date you begin the program.
Build Your Card Balances with LetterChecks
Giving cardholders another way to access their line of credit can dramatically boost your portfolio’s standings. With LetterChecks, cardholders are able to use their credit, even in situations or locations where credit cards aren’t accepted.
FalconTM Unlocks Profitability and Puts the Lock on Fraud
When it comes to detecting fraud, only Falcon’s unique patented neural network technology can combine input from merchant data and fraud trends with individual usage patterns to evaluate every transaction and forecast the likelihood of fraud.
For a free proforma analysis for your bank and more information,
call ACB Card Services at (202) 857-5092.
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