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Prepaid Solutions

Comprehensive Prepaid Solutions for Every Opportunity in Every Channel

At FIS, we know a single solution will never be right for every situation. That’s why we offer a set of the most comprehensive prepaid solutions to meet every need.

  • FIS Prepaid Processing – Everything you need to create your own program
  • GenNOW – A complete multi-channel, turn-key prepaid solution
  • Sponsor/Agent – Resale opportunities for prepaid cards
  • Gift Cards – Gift cards for consumers and resale

FIS systems and services support multiple types of open-loop
distribution models for:

  • Financial institutions
  • Government agencies
  • Commercial entities
  • Resellers
  • Retailers

The Convenience of Debit, The Simplicity of Cash

With FIS, you get best-in-class, scalable and reliable prepaid solutions supported by customer care excellence. You’ll benefit from:

  • A new and growing source of non-interest income
  • Direct access to non-traditional and unbanked market segments
  • New customers
  • Stronger existing relationships

Whether your prepaid solution is for business or consumer use, our feature-rich, end-to-end, market-ready programs provide you with affordable, easy-to-implement prepaid processes that can start producing results right away. Our end-to-end prepaid processing solution includes:

  • Account set up and management
  • EMV chip cards
  • Non-reloadable cards
  • Reloadable cards
  • Card production and personalization
  • Inventory management
  • Customized distribution solutions
  • Transaction processing
  • Fraud detection and prevention
  • Funds settlement
  • Call center and interactive voice response (IVR)
  • Dispute processing
  • Detailed reporting
  • Web hosting services

FIS prepaid cards are “open-loop.” That means they’re accepted at millions of merchants worldwide – an important distinction from other providers offering closed-loop, single retailer prepaid solutions.

Our programs are certified by Visa®, MasterCard®, Discover® and China Union Pay. Together with our NYCE® Payment Network, you can provide your customers with fund access and PIN payments at hundreds of thousands of ATMs and millions of point-of-sale locations worldwide via:

  • American Express®
  • Discover
  • MasterCard
  • Visa
  • ATM networks
  • Private networks
  • Internet

Contact us today and we’ll help you determine the right prepaid solution for your specific needs.

FIS Prepaid


FIS Prepaid for Commercial and Personal Use

Reloadable prepaid magnetic stripe and EMV chip cards from FIS enable your cardholders or commercial customers to conveniently load and reload funds onto one, unique card. Issuers and program managers can realize multiple benefits with reloadable prepaid cards that can:

  • Strengthen existing consumer or corporate relationships
  • Attract new consumer or corporate relationships
  • Reduce disbursement-related costs by replacing paper-based payments
  • Increase cardholders’ satisfaction by providing fast, convenient access to their funds
  • Give your cardholders value – and options – when it comes to prepaid

FIS processing services supports nearly every market, including:

  • Benefits/claims
  • Family and personal spending
  • General purposes
  • Government disbursements
  • Healthcare
  • Incentives
  • Payroll
  • Travel

FIS offers a full range of end-to-end support options for both issuers and program managers, providing features such as:

  • Account setup and management
  • Call center and interactive voice response (IVR)
  • Card production and personalization
  • Detailed reporting
  • Dispute processing
  • Fraud detection/prevention
  • Rewards
  • Single-point settlement
  • Transaction processing
  • Inventory management/customized distribution solutions

We also offer additional features that complement each prepaid option. These features demonstrate the flexibility of each card, providing you with a competitive offering. Features include:

  • Funds transfers
  • Electronic bill pay
  • Mobile services
  • Real-time consumer alerts
  • Seamless integration with reload networks
  • Robust application platform interface (API) toolkit to enable real-time integration between your applications and the prepaid platform

Contact us today and we’ll help you determine the right prepaid solution for your specific needs.

GenNOW


Multi-channel Financial Services for Next Generation Customers

GenNOW from FIS is your chance to attract and retain the next generation of customers or lose them to non-traditional financial service providers who are enabling them to bypass your traditional banking services.

GenNOW is a digital prepaid solution that provides your customers with a unique combination of real-time services they can use to access and manage their accounts via multiple channels. Some of the cardholder benefits include:

  • Same-day bill pay
  • Funds transfer
  • Direct deposit
  • Access to spending and balance history
  • Personal financial management budgeting tool
  • Remote check deposit with immediate funds availability both in-branch and mobile
  • Savings
  • Money orders
  • ATM access
  • Loyalty incentives
  • GPS location services

Contact us today and we’ll help you get started with collaboration and services that include:

  • A single provider contract for all services
  • Easy implementation with no IT integration
  • Complimentary revenue forecasting and high-level implementation planning
  • Speed to market with full implementation support
  • Marketing campaigns and analytics to drive volume
  • Personal financial management budgeting tool

GenNOW complements your existing direct deposit accounts (DDA) and, at the same time, brings you the benefit of:

  • Reduced cost of new customer acquisition
  • Customer opt-in, transaction-based revenue
  • Interchange on retail and online purchases
  • Expedited bill pay with optional fees for immediate and same day transactions
  • Funds available for lending
  • White-label opportunity to use your own brand for mobile, Web, and cards

GenNOW from FIS lets you enter the prepaid market with turn-key convenience that enables you to do what you do best – focus on your customers and your business.

 

FIS Prepaid Sponsor/Agent


Become a Prepaid Card Sales Agent and Reap the Benefits Without the Risk

Now you can enter the prepaid market without the risk or administrative responsibilities. FIS Sponsor/Agent lets you register as a sales agent with a sponsor so you can generate revenue without a substantial commitment.

Sign up today and implementation can be completed in as little as 14 days. You can generate revenue through prepaid card sales, while the sponsor owns and maintains the bank identification number (BIN) and assumes responsibility and risk for licensing, settlement and administration.

To assist our agent banks and credit unions with prepaid card adoption, we are also pleased to provide an FIS-hosted website that contains a library of free adoption marketing materials and unique card artwork. For more information, visit http://www.fisglobal.com/prepaidmarketing.

 

 

FIS Private Label Gift Cards/Reseller Program


Gift and Loyalty Card Marketing

At FIS we want to provide you with every prepaid opportunity. That’s why we partner with Valutec® Card Solutions to bring you a closed-loop prepaid gift card solution with a strong value proposition for your commercial customers and no upfront or ongoing costs for you.

You’ll benefit from communication initiatives designed for:

  • Resellers
  • Referral partners
  • Merchants

Gift card programs generate deposits from outstanding card balances and provide an excellent retention tool. Whether choosing a referral or reseller model, Valutec financial institution partners receive complete product education and training with co-branded merchandising material available for branch locations.

With Valutec, you can offer your retail customers – large and small – revenue enhancing benefits, that include:

  • Increased customer traffic
  • Increased product sales
  • Comprehensive activity reporting

 

 

FIS Prepaid Analytics


Critical Information You Can Use to Grow Your Business

We invite you to take a closer look at your prepaid customers, their spending habits and the ways in which they interact with you and your business. We work with analytic experts and tools that can help you identify and take advantage of potential growth opportunities within your existing customer base.

  • Debit Insights:
    • Dashboard reporting – Track, manage and report on transactions at portfolio or bank identification number (BIN) levels
    • Meaningful insight – Increase card usage, create and track targeted marketing campaigns and incentive programs, measure results, analyze profitability and predict future financial impacts
  • Premium Analytics:
    • Increase data visibility and profitability – View data across your program’s hierarchy including partners, regions and branches to forecast transaction volume and financials
    • Improve compliance – Build your own custom reports, manage negative accounts and respond to subpoenas
    • Flexible custom reporting – Receive custom reports in weeks, not months
  • SiteCatalyst:
    • Capture and analyze how customers arrive and interact with your site
    • Identify profitable website navigation and determine where visitors are leaving your site
    • Develop critical success metrics for digital marketing campaigns
    • Utilize actionable intelligence to develop digital strategies and marketing initiatives

 

 

 

 

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