Credit Card Processing

Using world-class technology and innovation, Equifax Card Services (ECS) delivers proven programs to financial institutions seeking comprehensive, yet flexible, solutions for managing their card portfolios. Institutions manage accounts through a dynamic platform offering on-line access or an affordable PC alternative. An extensive array of optional services from marketing to customer service combined with superior processing performance creates an environment for custom designed programs with reliable features and a competitive edge.

Equifax Card Services provides card processing experience and expertise that builds confidence and promotes maximum profitability.

Equifax provides full-service transaction processing for credit card programs including leading technology-based systems that process data and report information for management analysis and strategic decision support. Equifax provides the following services and products for credit card processing:

• The Application Processing product uses a credit-granting tool that determines eligibility consistent with the institution's parameters.
• The Embossing department issues personalized plastics for the purpose of conducting financial transactions.
• The Authorizations department evaluates available funds and account status at the point of purchase resulting in an approval, declination or referral.
• ECS automatically posts approved transactions to the appropriate account.
• ECS generates statements for timely billing of cardholders' activity and outstanding balances.
• The settlement process allocates revenue and expenses to all parties affected or participating in the credit card process.
• The Chargebacks department resolves disputed transactions.
• The Collections option assesses and prioritizes delinquent receivables for remuneration of goods and services provided.
• Client Relations provides dedicated point of contact for responsive portfolio management and advice.
• Customer Service representatives give professional and knowledgeable assistance to cardholder inquiries.
• Marketing offers Turnkey promotional programs that enhance the value and profitability of institution's cards by stimulating activity and creating loyalty.
• Fraud and risk management detects fraud through the use of neural networks followed by case analysis and corrective action.
• Internet banking supports customer inquiry and financial transactions on individual accounts through a secure and cost-efficient service bureau structure.

Call Equifax Card Services at 800 215-6280 or write us at 11601 Roosevelt Blvd. TA 60; St. Petersburg, FL 33716