Unlock the power of a unified ecosystem
Embracing electronic payments with FIS Integrated Payables
Unlock a powerful payments ecosystem with one partner
Drive growth and revenue with a single technology partner
Outshine your competitors with a unified payments ecosystem
Click on the above to start
Rick Yuan Head of actuarial modeling and transformation, AIA Group
We needed to run a projection tens of thousands of times to come out with a range of possibilities. One solution was to purchase more hardware, but the obvious winner was move to the public cloud. The beauty is you can tap that capacity when you need it and switch it off when you’ve finished the calculation.
KINGS COUNTY OFFICE OF EDUCATION LEFT THE CHECK BEHIND WITH MOVE TO VIRTUAL CARDS
Empower Your Financial Institution to Create Better member Experiences
Kings County Office of Education oversees 13 school districts in Kings County, CA which operate their own accounts payable (AP) departments. Each of these departments keyed their payment information into a central accounts payable system. The central accounts payable team then executed payments weekly. This was an operational burden from a check inventory, printing and mailing cost standpoint as well as on staffing. The agency learned that there was an alternative to ACH payments — virtual cards. Virtual cards are single-use, unique card numbers with fixed credit limits that are set based on a given company’s payment instructions. Companies can use virtual cards in lieu of paper checks to securely pay invoices and AP disbursements either online or over the phone. They settled on Integrated Payables because it offered the ability to convert checks to virtual cards through a comprehensive vendor enrollment program, along with the ability to make a card payment for the exact amount so they wouldn’t run into any reconciliation issues. Plus, it reduced the time the AP staff spends on printing and mailing checks, freeing them to focus on strategic projects.
With so much costly, inflexible IT to manage, your on-site infrastructure could be holding you back.
Did you know?
“By migrating checks to virtual cards via Integrated Payables payments platform, we have been able to migrate 17 percent of the checks we targeted for conversion to virtual card. We have also been able to reduce our payment processing costs and are earning an average of $100,000 in annual rebates.”
Reduced annual check printing and mailing costs by $2,300 Reduced number of inbound calls from vendors to one to two calls per week Improved reconciliation Improved security, control and risk migration Streamlined processes Improved operational efficiencies
RESULTS
- Jamie Dial, Director, Business Service, Kings County Office of Education
Card payments are vital for the success of your business, but can be costly and inefficient with outdated systems. With the FIS® payments ecosystem, you can improve efficiency and control, unlock valuable insights on your customers and offer a seamless digital experience – all while driving growth and revenue. By modernizing, optimizing and integrating your payments operations, you can unlock a smooth and accurate flow of funds that positions your institution top of wallet and top of mind. With the right strategy, you can create seamless digital experiences that keep money moving, driving customer engagement and reduce costs and inefficiencies. From deepening customer loyalty to advancing fraud prevention and reducing risk, discover how you can synchronize all transactional activities, payment systems and financial networks with a single technology provider.
Reduced payment processing costs Reduced annual check printing and mailing costs by $2,300 Reduced number of inbound calls from vendors to one to two calls per week Improved reconciliation Improved security, control and risk migration Streamlined processes Improved operational efficiencies
Card Processing
Payments One Debit/Credit Prepaid/Filtered Spend Card Production
Digital
Card Suite Pro
Zelle
eZCard/eZBusiness
Disputes/
Chargebacks
CBK SaaS
Banking Disputes
Cardholder
Engagement
& Marketing
PaymentsEdge
Loyalty
Payments
Networks
NYCE
CULIANCE
AFFN
Rewards Packages
Premium Payback
Relationship
Rewards
Automated
Testing
Solutions
POS, ATM, & More
Fraud
SecurLOCK Premium
SecurLOCK 360
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C
A Payments Network That’s Good for You and Your Members
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Real-time funds access through the most common networks
Layered approach to manage card fraud, compliance and risk
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Instant reward redemption at the POS checkout
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Safe, secure and affordable way to manage and influence purchasing habits
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Modern credit card solution to keep your cards top of wallet
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Modular debit card solution providing the features cardholders want
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The Premier Interchange Program for POS Transactions
Debit Edge
Empowering Military and Community Credit Unions Worldwide
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Give members digital card controls and spending insights that blend into their daily lives
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Debit Services
Credit Services
Prepaid and Filtered Spend as a Service
Loyalty – FIS Premium Payback
FIS SecurLOCK
Payments Networks
Culiance
Advisory services for enhanced credit and debit card marketing
FIS PaymentsEdge Card Marketing
Seamless digital card management and insights
FIS Card Suite Pro
Contents
A fast and easy way to send and receive money
Cost-effective card production and valuable card program insights
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FIS CardPro
Tailored and engaging rewards that go beyond transactions
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Loyalty – Rewards Programs
Debit card portfolios are under pressure from both a revenue and expense standpoint if they cannot unlock the value their card portfolios with a holistic view across payments that accelerates market response to new innovations, increases market share and delivers unmatched functionality at a lower total cost of ownership (TCO). No matter where you are in developing your card program, FIS offers the necessary tools, with future capabilities when you demand them.
Eliminate the burden of separate loyalty, fraud protection, ATM servicing, card production and network service systems.
Simplify your debit card management
Give your members the seamless, digital-first experience they expect.
Gain digital capabilities
Use member data to develop programs, products and offers that give them more of what they want.
Understand data
Proactively prevent threats and improve straight-through processing with enterprise-wide fraud, risk and compliance capabilities.
Reduce risk
Solution Page
Pay for only what you need Lower TCO with Payments One Credit’s transparent pricing, which includes mandated compliance changes. Enrich functionality Monitor and report performance in real time and take advantage of unique value-added services designed to grow customer loyalty or minimize chargebacks and fraud costs. Connect to all major schemes This breadth of reach empowers Payments One Credit clients to extend and streamline services in different regions and reduce compliance burden associated with scheme changes, from a single version of code and a unified platform. Quickly pivot to keep pace with innovation Payments One Credit’s single user interface and 500+ APIs enable you to compete with anyone. An event broker functionality ensures external systems are notified when there is a change to the platform, and open architecture enables easy integration with the rest of your ecosystem. Enhance transparency Because our user-friendly interface provides an overarching view, you’ll be more connected to the intricacies of your card business than ever before. Tailor your card offering with ease With Payments One Credit, you have access to the features and functionalities you need to tailor your offering to your customers.
FIS Payments One Credit is the modular, secure, cloud-based platform that empowers issuers to direct their digital destiny, while lowering costs and reducing compliance and IT burden. Choose how to plug-and-play based on your growth strategy and pay only for what you need. You’ll easily connect to new schemes and a superset of global payments and quickly respond to operational and regulatory demands. All with the support of experts who will make sure your cards claim the top spot in every type of wallet.
Credit services
Simplify your debit card management Eliminate the burden of separate loyalty, fraud protection, ATM servicing, card production and network service systems. Gain digital capabilities Give your customers the seamless, digital-first experience they expect. Understand data Use customer data to develop programs, products and offers that give them more of what they want. Reduce risk Proactively prevent threats and improve straight-through processing with enterprise-wide fraud, risk and compliance capabilities.
FIS Payments One Debit is the modular debit card solution that provides on-demand account access, flexible payment options and rewards programs that matter to cardholders. With debit card portfolios under pressure from both a revenue and expense standpoint, Payments One Debit helps you unlock the value of your card portfolio with a holistic view across payments. You can choose which debit solutions you need now, and easily add or change capabilities to deliver the functionality your customers expect at a lower total cost of ownership.
Debit services
Jonathan Silverman Director of insurance solutions, Microsoft
Insurers are recognizing the value of having access to unlimited compute capacity for risk modeling and . . . making substantial cost savings with infrastructure related to the risk modeling workload.
"Given the special knowledge and skills required for our print operations, the right decision for us was to shift this work to a payments expert.”
- Susan Cotto, Senior Analyst, Pepsi Bottling Group
Lowered overall cost to produce checks and W9s by about 25% Freed financial operations staff to focus on other areas; while 2.5 full-time people were required before, now only three-quarters of one person’s time is needed to manage internal check handling processes Automated full-service vendor commission payments, printing commission information on check stubs and saving PBG 200 man-hours of labor in the process
Insurance companies are more aware than ever of the wealth of information at their disposal. Their ability to extract value from data using advanced analytics has become critical to competitive advantage.
For actuaries, the pressure is on to gain greater insights from big data and rapidly transform modeling results into business intelligence.
“Given the special knowledge and skills required for our print operations, the right decision for us was to shift this work to a payments expert.”
With Payments One Credit Services, you have access to the features and functionalities you need to tailor your offering to your members.
Tailor your card offering with ease. With Payments One Credit Services, you have access to the features and functionalities you need to tailor your offering to your customers Quickly pivot to keep pace with innovation. Payments One Credit Services single user interface and 500+ APIs enable you to compete with anyone. An event broker functionality ensures external systems are notified when there is a change to the platform, and open architecture enables easy integration with the rest of your ecosystem Pay for only what you need. Lower total cost of ownership (TCO) with Payments One Credit Services’ transparent pricing, which includes mandated compliance changes Enhance transparency. Because our user-friendly interface provides an overarching view, you’ll be more connected to the intricacies of your card business than ever before Enrich functionality. Monitor and report performance in real time and take advantage of unique value-added services designed to grow customer loyalty or minimize chargebacks and fraud costs. Connect to all major schemes. This breadth of reach empowers Payments One Credit Services clients to extend and streamline services in different regions and reduce compliance burden associated with scheme changes, from a single version of code and a unified platform
Tailor your card offering with ease
Payments One Credit Services single user interface and 500+ APIs enable you to compete with anyone. An event broker functionality ensures external systems are notified when there is a change to the platform, and open architecture enables easy integration with the rest of your ecosystem.
Quickly pivot to keep pace with innovation
Lower total cost of ownership (TCO) with Payments One Credit Services’ transparent pricing, which includes mandated compliance changes.
Pay for only what you need
Because our user-friendly interface provides an overarching view, you’ll be more connected to the intricacies of your card business than ever before.
Enhance transparency
Monitor and report performance in real time and take advantage of unique value-added services designed to grow member loyalty or minimize chargebacks and fraud costs.
Enrich functionality
This breadth of reach empowers Payments One Credit Services clients to extend and streamline services in different regions and reduce compliance burden associated with scheme changes, from a single version of code and a unified platform.
Connect to all major schemes
FIS Payments One Credit provides everything you need to run a successful card program from end to end. Our modular, secure, cloud-based platform empowers issuers to direct their digital destiny, while lowering costs and reducing compliance and IT burden. With cloud-based solutions and services, Payments One Credit takes on as much – or as little – of your credit card program as you need, from card issuing and management to customer support and loyalty programs. Featuring modern APIs, a user-friendly interface and unparalleled system availability, Payments One Credit allows you to easily integrate with and benefit from the latest digital capabilities so you can work smarter and faster. Choose how to plug-and-play based on your growth strategy and pay only for what you need. Easily connect to new schemes and a superset of global payments, and quickly respond to operational and regulatory demands. All with the support of experts who ensure your cards claim the top spot in every type of wallet.
Loyalty – Premium Payback
Accruing loyalty currency is one of the most motivating reasons members choose a particular credit card. Being able to use that currency in their preferred way is a major factor. Currently, there’s a growing demand for cash rewards and equivalents such as gift cards or “rewards as currency” – more popular now than even travel rewards. Fast, convenient and always accessible, FIS Premium Payback provides members the choice to instantly redeem at the POS checkout when making a qualifying purchase. They’ll see immediate rewards, increasing their buying power. You’ll gain a higher share of your members’ wallets and reduce your loyalty program costs.
Reduced operational costs Paid vendors and owners faster Improved tracking and auditing
Show that your loyalty program delivers real value, giving members a reason to choose your card every time.
Increase card use and loyalty
Make it easy for members by displaying offers when they pay with their card – no sign-ups or apps required.
Eliminate redemption hassles
Help merchants increase spending per transaction and drive more card usage for financial institutions.
Drive incremental revenue
Stop fraud on the first attempt Real-time transactional monitoring identifies and mitigates fraud with speed and accuracy. Thwart account takeover fraud Customers receive alerts when account changes are requested, with accounts blocked when ATO is detected. Grow your e-commerce business Shift the focus from how to protect your institution and its cardholders to how to expand your portfolio.
Increase card use and loyalty Show that your loyalty program delivers real value, giving customers a reason to choose your card every time. Eliminate redemption hassles Make it easy for customers by displaying offers when they pay with their card – no sign-ups or apps required. Drive incremental revenue Help merchants increase spending per transaction and drive more card usage for financial institutions. Fraud prevention with FIS securlock With 57% of financial services organizations reporting an increase in fraud in the last year, the threat is real and growing. FIS SecurLOCK™ helps protect more than 3,000 financial institutions just like yours from the monetary and reputational damage of the most sophisticated schemes, including enumeration attacks, 3D Secure scams and man-in-the-middle fraud. Our comprehensive, AI-powered toolset takes a layered approach to manage card fraud, compliance and risk, with two available packages. Both employ the pillars of protection: experienced people, continuous process improvement, technology investments and actionable data. FIS SecurLOCK Premium optimizes fraud detection based on intelligence from 75 billion transactions processed annually, resulting in higher detection rates and lower losses. Options include a compromised card detection tool and chargeback processing. The FIS SecurLOCK 360 package, a fully managed fraud protection program, also includes financial reimbursement in the unlikely event of fraud loss.
7th Annual LexisNexis® True Cost of Fraud™ Study, 2023.
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Learn more about the latest card fraud trends by reading our recent article in ICBA’s newsletter, the Independent Banker.
Safety, convenience and easy access Prepaid is safer than cash, more convenient than checks and easier to obtain than a credit or debit card. Brand extension With a prepaid card, you can place your corporate identity in the hands and wallets of consumers and business users, or embed the payment experience into your native app. Enhanced control Our prepaid programs provide cutting-edge card controls and create a network that directs and restricts spend for many purposes, including at the SKU level.
FIS Prepaid Solutions provide a secure and affordable alternative to cash and checks as well as a companion to credit and debit solutions. With FIS, you can choose from open-loop or closed-loop pre-paid programs, all offering seamless payments. Prepaid cards have many applications including benefits distribution, rewards and incentives, pay card and earned wages, and more. FIS Filtered Spend as a Service™ takes spend control to a new level by allowing you to define and control card spend for specific eligible items. You can customize your approved product list (APL), display the eligible items to your participants and drive them to participating merchants – all while gaining applicable insights and reporting on cardholder purchases.
Cardpro
Maximize operations and cost efficiency
Our consultative approach ensures close logistical and fiscal management of your critical card programs.
FIS® CardPro provides credit card manufacturing and debit card production in a cost-efficient print-on-demand solution, with choices of materials, customization and fulfillment options. Plus, with CardPro Connect you get a web-based application for card production, personalization and fulfillment that goes beyond just reporting. Self-sufficiency, responsive member servicing and streamlined card program management is achieved through a simple-to-use interface that pushes your critical data to the forefront.
While handling both routine inquiries and custom requests, gain valuable insights for strengthening your program.
Take control of servicing
Based on card tracking milestones, fully engage members and analyze trends for continual improvement.
Enhance the member experience
Offers only Designed for starter cards and debit programs, this consolidated package simplifies loyalty with merchant-funded earn and a compact redemption suite to incentive loyalty at a lower cost. Turnkey Our end-to-end ScoreCard branded platform enables our loyalty solution within your existing banking experience, for ease and convenience. Personalized This loyalty package is personalized to match your offering, with a seamless integration that places loyalty at the core of the cardholder experience. Premium The white-labeled package reviews your customer portfolio to identify and optimize targeting and increase the lifetime value of each cardholder.
Offering points or cash in exchange for transactional usage is not enough for modern cardholders who seek experiences that resonate with their needs and lifestyle. With four distinct packages, FIS Loyalty Engagement Solutions enable a more tailored and engaging experience that rewards your customer’s loyalty, above and beyond the transaction. From community banks to national institutions and credit unions, our loyalty packages are designed for financial institutions of all sizes to enhance customer loyalty, generate brand advocacy and increase customer lifetime value across your entire product suite. You define the loyalty experience to recognize, differentiate and activate engagement experiences – without additional fees.
Loyalty – rewards programs
Tyler Craft, SVP, First Horizon Bank
FIS implicitly understood our vision for customer engagement. This vision alignment confirmed that FIS was the right partner to develop our relationship rewards platform.
With FIS loyalty solutions, First Horizon Bank has been able to grow its checking products and average customer balances and cultivate deeper customer relationships across its new product set.
®
Unlock more by clicking on the above icons
Increase card use and loyalty Show that your loyalty program delivers real value, giving customers a reason to choose your card every time. Eliminate redemption hassles Make it easy for customers by displaying offers when they pay with their card – no sign-ups or apps required. Drive incremental revenue Help merchants increase spending per transaction and drive more card usage for financial institutions.
Accruing loyalty currency is one of the most motivating reasons consumers choose a particular credit card. Being able to use that currency in their preferred way is a major factor. Currently, there’s a growing demand for cash rewards and equivalents such as gift cards or “rewards as currency” – more popular now than even travel rewards. Fast, convenient and always accessible, FIS Premium Payback provides cardholders the choice to instantly redeem rewards at the POS checkout when making a qualifying purchase. They’ll see immediate rewards, increasing their buying power. You’ll gain a higher share of your customers’ wallets and reduce your loyalty program costs.
With 57% of financial services organizations reporting an increase in fraud in recent years , the threat is real and growing. FIS SecurLOCK™ helps protect more than 3,000 financial institutions just like yours from the monetary and reputational damage of the most sophisticated schemes, including enumeration attacks, 3D Secure scams and man-in-the-middle fraud. Our comprehensive, AI-powered toolset takes a layered approach to manage card fraud, compliance and risk, with two available packages. Both employ the pillars of protection: experienced people, continuous process improvement, technology investments and actionable data.
Fraud prevention with FIS SecurLOCK
FIS SecurLOCK Premium optimizes fraud detection based on intelligence from 75 billion transactions processed annually, resulting in higher detection rates and lower losses. Options include a compromised card detection tool and chargeback processing. The FIS SecurLOCK 360 package, a fully managed fraud protection program, also includes financial reimbursement in the unlikely event of fraud loss.
7th Annual LexisNexis True Cost of Fraud™ Study, 2023.
Loyalty – Quickperks
“Virtual card rebates have more than offset check printing costs and have allowed our AP department to generate revenue that goes directly to our bottom line.”
- Andy Abbott, Asst. Controller, Russell Sigler Incorporated
Migrated a portion of payments to virtual cards Achieved ROI in the first 30 days Earned monthly rebates Outsourced check printing and mailing Improved operational efficiencies Increased vendor satisfaction
Members are demanding to be rewarded for their payment activity. Historically, it has been difficult to provide rewards to debit card members because the economics of loyalty hasn’t previously fit in the thin margins of debit portfolios. Finally, a debit loyalty program that actually works for the member and the issuer - FIS QuickPerks™. High-value redemptions at a low predictable cost with zero liability for your financial institution. High-value redemption options at a low, predictable cost that fits within low margin payment products.
Allows members to swipe their rewards card at the gas pump and earn instant savings as the gas price rolls back.
Donate points for a good cause to one of the 1.2M non-profit organizations.
Charitable giving
Receive additional merchant-funded promotion rewards for members from over 28,000 merchants, add local merchants to the network through our merchant on-boarding platform.
Merchant-funded
Weekly auctions will allow members to redeem points to bid on a variety of items offered below retail price.
Auctions
Members redeem points to play interactive games for a chance to win exciting prizes.
Games
A robust of daily and weekly prizes members can win that includes merchandise, gift cards and more. Cardholders will enter by redeeming the required points to be entered.
Sweepstakes
Offers only Designed for starter cards and debit programs, this consolidated package simplifies loyalty with merchant-funded earn and a compact redemption suite to incentive loyalty at a lower cost. Turnkey Our end-to-end ScoreCard® branded platform enables our loyalty solution within your existing banking experience, for ease and convenience. Personalized This loyalty package is personalized to match your offering, with a seamless integration that places loyalty at the core of the cardholder experience. Premium The white-labeled package reviews your customer portfolio to identify and optimize targeting and increase the lifetime value of each cardholder.
Payments networks
Payments networks such as the NYCE Payments Network® are essential in banking, facilitating fast, secure financial transactions between individuals, businesses and financial institutions. By enabling convenient, real-time access to money, payment networks help institutions streamline payments, reduce processing time, optimize revenue and give cardholders the flexibility they want. FIS provides access to the payments networks consumers use most.
Enables secure, real-time access to money at ATMs and POS locations nationwide, enhancing your institution’s brand and optimizing net revenue.
Industry-leading interchange rates that help boost your revenue Best-in-class approval rates, with minimal false positives to help ensure high purchase conversion and a positive cardholder/ customer experience Nationwide access, so you can give your customers the convenience of a wide-reaching network
NYCE payments network®
Credit-union focused payment network providing convenient, reliable electronic real-time payments. Generates higher interchange revenue with low transaction costs on point-of-sale through CULIANCE DebitEdge™.
CULIANCE® network
Expansive, nationwide network of surcharge-free ATMs Wide range of payment services, with and without PIN authentication Easy implementation
Provides support to military, defense and community credit unions in their mission to serve the U.S. Armed Services, veterans and civilians worldwide with ready access to their funds through ATM and POS terminals located at or near U.S. military bases worldwide.
The Armed Forces Financial Network® (AFFN)
Competitive interchange for POS and ATM High-touch, high-service model Average relationship between customer participants and AFFN is 25 years
Read how the oldest bank in North Texas enhanced debit and credit services in partnership with FIS and the NYCE Network.
In partnership with FIS and The Defense Credit Union Council (DCUC.org), The Armed Forces Financial Network® (AFFN), powered by FIS, is a payments network providing support to military, defense and community credit unions in their mission to serve the U.S. Armed Services, veterans and civilians worldwide with ready access to their funds through ATM and POS terminals located at or near U.S. military bases worldwide. AFFN provides a high-touch, high-service model with our members. Team AFFN strives for a consistently high level of member satisfaction and loyalty. In fact, the average relationship between member participants and AFFN is 25 years! The power of partnership extends well beyond ATM and POS services.
Consistent strategic focus on meeting credit unions’ needs Superior net economic value on point of sale (POS) for credit unions with DebitEdge (powered by NYCE®) An expansive, nationwide network of surcharge-free ATMs A wide range of payment services, with and without PIN authentication Easy implementation – CULIANCE already connects to every credit union processor in the U.S., streamlining the implementation process Complimentary marketing support materials
Benefits of CULIANCE Participation
Benefits of AFFN Participation:
Member-owned, managed and governed Competitive Interchange for POS and ATM with little to no “fees” to reduce your earned revenue AFFN Military Community Support Program to assist your credit union in serving those who serve or have served Active Duty, Veteran and Military Family focused. Power of Partnership – connecting Member Credit Union Participants with resources to assist in creating solutions beyond the Payments space
FIS PaymentsEdge™ finds the most promising parts of your portfolio and the weak spots that need attention – with full support from campaign creation to fulfillment. You’ll know exactly where to focus your credit and debit card marketing efforts to convince cardholders to use your services, and their cards, more. Just as consumer behaviors change, so does your financial institution. What worked well a few years ago might not now. PaymentsEdge advisory services dig into your operations, technology and cardholder strategy. We’ll spot the processes and resources holding you back, so your institution runs better.
Improve marketing ROI End-to-end, fully customized campaigns that grow your revenue. Control your offers, lists and look and feel, and lean on calendars, fulfilment and tracking tools to see how campaigns are performing. Identify growth opportunities Find and target the areas of your portfolio that are ripe for revenue growth, along with those that are most vulnerable. Win new customers and persuade cardholders to transfer balances and use their cards more. Convince those in danger of leaving to stay. Reduce operational inefficiency Operational evaluations uncover hidden costs, unnecessary vendor contracts and back-office redundancies, so you can change for the better. Optimize technology Technology assessments make sure you’re using the right payment networks and tools based on the bank you are now and the one you aspire to be.
How a Colorado credit union drove revenue from debit cards
What targeted marketing campaigns did for an Alabama bank
What happened when a Kansas Credit Union began issuing credit cards
The PaymentsEdge approach
PaymentsEdge marketing and advisory supporting financial institutions for over 20 years
Marketing
Advisory
Reporting
CULIANCE® Network (CULIANCE) is the payments network partner dedicated to enhancing the power of your credit union’s brand and optimizing net revenue, innovation and service for you and your members. CULIANCE helps you meet the competitive demands of the dynamic electronic payments arena by delivering affordable, state-of-the-art products, services and solutions to keep your credit union at the center of your members’ payment experience. We deliver real-time payments within a secure, flexible payments infrastructure tailored to meet the specific needs of credit unions. CULIANCE is committed to the very same cooperative principles and service-oriented philosophy on which credit unions are founded. Powered by FIS, CULIANCE is supported by the most complete suite of payment solutions available.
Join CULIANCE and capitalize on our focus on credit union members for convenient, reliable electronic real-time payments.
FIS Card Suite Pro is a feature-rich card management application that lets you provide the seamless, digital experiences that enable cardholders to control and manage their personal finances from the palm of their hand. As they gain independence in managing their cards and protecting themselves from fraud, their loyalty and spending grow. This advanced digital card issuance solution is easy to set up and configure; offers instant support, insights and monitoring; and helps you reduce operating expenses and risk.
Acquire and manage Enable your customers to add and activate cards, view card details, report lost/stolen cards, reissue cards and share a card. Protect Equip customers with a range of tools to protect their card from crime, set spending limits and transactions alerts, and much more. Enrich and optimize Empower your customers to understand their spending through data and insights while expanding their ways and means to pay.
Extended capabilities designed to increase customer engagement and enables FIs to differentiate from competitors
Best-in-class Card Management
FIS Card Suite Pro is a modern card management solution to help banks drive a digital-first experience. It’s a feature-rich, all-in-one application that attracts, retains and grows a bank’s member base all while giving them power to seamlessly manage their financial card and payment set. Through the app, banks can enable a full range of card control capabilities for their members that include the ability to conveniently pay, analyze/control spending and prevent fraud. They also get access to a broad capability set to provide a superior experience that is engaging and drives value for both the bank and its members.
Acquire and manage
Protect
Enable your members to add and activate cards, view card details, report lost/stolen cards, reissue cards and share a card.
Equip them with a range of tools to protect their card from crime, set spending limits and transactions alerts, and much more.
Enrich and optimize
Empower your members to understand their spending through data and insights while expanding their ways and means to pay.
Card Management Application
FIS offers Zelle®, a fast, safe and easy way for consumers to send and receive money using their financial institution’s mobile app. With our streamlined Zelle implementation, you can quickly connect your financial institution to the growing Zelle Network and offer your customers a trusted P2P payments option. We also offer Zelle for small business, to help drive higher engagement, transaction volume and value among your business clientele.
Personalized user experience Quickly connect with this out-of-the-box, hosted platform for a seamless digital experience. Easy integration Integrate directly into FIS digital banking products or use APIs. Real-time payments Utilize the FIS PayNet Network for real-time debit and credit processes.
FIS CardPro offers a secure, cost-efficient, and on-demand solution for card production and personalization. It’s designed to elevate both physical and digital card experiences while delivering actionable insights to help drive card activation and boost usage. CardPro covers everything from contactless and dual-interface cards to debit, credit, prepaid, corporate, incentive, HSA and government cards. With timely delivery, durability, tracking and fulfillment options, CardPro helps you deliver superior cardholder experiences. The solution also includes CardPro Connect, an online management platform for cardholder servicing with dynamic CVV and IMB card and package tracking. This supports a smooth unboxing experience and efficient delivery tracking, both of which are critical for instant and on-demand card issuance.
Maximize operations and cost efficiency Our consultative approach ensures close logistical and fiscal management of your critical card programs. Take control of servicing While handling both routine inquiries and custom requests, gain valuable insights for strengthening your program. Enhance the customer experience Based on card tracking milestones, fully engage customers and analyze trends for continual improvement.
We’ll handle the technology so you can concentrate on what you do best
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With all of these functions in place, wrap your strategy with marketing and communication that is personal to your members and the behaviors that will drive their satisfaction and engagement. Engagement to increase transactions, improve account penetration and products per household/member, and increase interchange. This peace of mind with your members establishes their trust in you to hold their money and be the financial resource they need and want.
Conclusion
www.fisglobal.com/contact-us
For more information, contact us at:
With the FIS payments ecosystem, you can automate the card issuing and processing lifecycle, support real-time payments, power loyalty programs – and more. Our industry-leading solutions enable you to deliver fast, secure and convenient financial experiences that build customer trust and longevity. By staying ahead of the trends, you can harmonize the flow of money to increase transaction volume and payments with speed, accuracy and security. And all with a single technology partner.
Unlock more value with FIS
The FIS payments ecosystem powers seamless money movement for your business. Our technology powers the global economy across the money lifecycle.
Money at rest
Unlock seamless integration and human-centric digital experiences while ensuring efficiency, stability, and compliance as your business grows.
Unlock liquidity and flow of funds by synchronizing transactions, payment systems, and financial networks without compromising speed or security.
Money in motion
Unlock a cohesive financial ecosystem and insights for strategic decisions to expand operations while optimizing performance.
Money at work
©2025 FIS. FIS and the FIS logo are trademarks or registered trademarks of FIS or its subsidiaries in the U.S. and/or other countries. Other parties’ marks are the property of their respective owners. 3484417
About FIS
FIS is a leading provider of technology solutions for merchants, banks and capital markets firms globally. Our more than 55,000 people are dedicated to advancing the way the world pays, banks and invests by applying our scale, deep expertise and data-driven insights. We help our clients use technology in innovative ways to solve business-critical challenges and deliver superior experiences for their customers. Headquartered in Jacksonville, Florida, FIS is a Fortune 500® company and is a member of Standard & Poor’s 500® Index.
Insurance Risk Management without Compromise
FIS is a financial technology company providing solutions to financial institutions, businesses and developers. We unlock financial technology that underpins the world’s financial system. Our people are dedicated to advancing the way the world pays, banks and invests, by helping our clients confidently run, grow and protect their businesses. Our expertise comes from decades of experience helping financial institutions and businesses adapt to meet the needs of their customers by harnessing the power that comes when reliability meets innovation in financial technology. Headquartered in Jacksonville, Florida, FIS is a member of the Fortune 500® and the Standard & Poor’s 500® Index. To learn more, visit FISglobal.com. Follow FIS on LinkedIn, Facebook and X (@FISglobal).
fisglobal.com/contact-us
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