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FIS InstantFunds

Meet the immediate funds availability demands of today's consumers, completely risk-free.

FISTM InstantFunds — Check to Prepaid, Check to Cash, Check to Deposit, and ACH Warranty — is a complete end-to-end solution set of technology, risk management and settlement options that enable you to safely provide your customers with convenient and immediate access to funds from any type of check, guaranteed with a full warranty program powered by Certegy, the industry leader in Payments Guaranty.

  • Industry Leader Delivering Experienced Based Decisions - FIS’ Check Cashing solution is the industry standard, decisioning over $43B annually across more than 17,000 locations nationwide from the world’s largest retailers to some of the nation’s largest financial institutions.
  • Risk Free Authorization Warranty - FIS guarantees all approval decisions with a full authorization warranty that completely eliminates your risk on InstantFunds transactions.
  • Flexible Channel Options - FIS InstantFunds can be used almost anywhere — mobile, in-person, kiosk, ATM and online.
  • Maximum Security, Risk and Technology Controls - FIS leverages years of experience, data backed decisioning and a very comprehensive risk analysis engine that includes detailed physical check validity, individual check casher history, image quality checks, velocity settings, 3-tier duplicate detection, Positive Pay, Negative file reviews and more.
  • Financial Stability to Support Your Program over the Long Term - FIS’s financial strength positions us for long term presence and continuous reinvestment into our products to ensure our clients receive both stability and innovation, today and into the future.

 

 


FIS InstantFunds Check to Prepaid


Fast and Secure Check to Card Loading

With a competitive set of services similar to traditional checking accounts, prepaid cards are quickly becoming the payment method of choice for many consumers. FIS InstantFunds Check to Prepaid provides a simple and intuitive end user experience that enables customers to use any type of check to conveniently load funds to a prepaid card, directly from their mobile phone.

FIS InstantFunds Check to Prepaid helps Program Managers and Financial Institutions

  • Drive increased card balances and card utilization
  • Provide greater customer convenience
  • Build and strengthen cardholder relationships
  • Increase sales
  • Innovate and compete in today’s mobile, downturn economy
Access InstantFunds Demo

Key Highlights:

  • All Check Types, ID Types and Dollar Amounts
  • Instant and Standard Funding Options
  • Full Authorization Guarantee
  • Maximum Security, Risk and Technology Controls
  • Financial Stability from the Industry Leader

FIS InstantFunds Check to Prepaid brings together four market proven technologies — FIS Mobile Prepaid, FIS Xpress Deposit, Certegy Check Authorization and Warranty and prepaid processing — for a comprehensive, end-to-end solution that supports multiple deployment options to meet specific organizational needs and requirements.

  • ALL Check Types, ID Types and Dollar Amounts - Supports all check types including personal, government, payroll and more as well as all ID types and check dollar amounts — all with the same fast and reliable approval rates.
  • A Better Customer Experience - Direct integration with the program manager’s application eliminates the need for a cardholder to register and maintain a separate application to cash their checks before loading funds.
  • Flexible Funding Models - Two consumer funding options, Instant and Standard, to meet the unique needs of your customer’s funding requirements. The “Instant” option provides automated funds load via API for customers requiring immediate access to money and the lower risk “Standard” option is available for a lower rate.
  • Maximum Security, Risk and Technology Controls - FIS leverages years of experience, data backed decisioning and a very comprehensive risk analysis engine that includes detailed physical check validity, individual check casher history, image quality checks, velocity settings, 3-tier duplicate detection, Positive Pay, Negative file reviews and more.
  • Risk Free Authorization Warranty - FIS guarantees all approval decisions with a full authorization warranty that completely eliminates your risk on InstantFunds transactions. If a check is returned that FIS authorizes you will be reimbursed 100% of the item’s face value.
  • Financial Stability to Support Your Program over the Long Term - FIS’s financial strength positions us for long term presence and continuous reinvestment into our products to ensure our clients receive both stability and innovation, today and into the future.


FIS InstantFunds Check to Cash


Instant and Risk-Free Check Cashing

Expand your footprint and capture additional market share by offering your customers convenient check cashing services with immediate funds availability. FIS InstantFunds Check to Cash provides Financial Institutions and Retailers increased revenue and better cross selling opportunities, completely risk-free.

With this real-time authorization system in place, your business effectively reduces the costs of cashing checks and completely eliminates the risk of fraud, all while gaining customer loyalty with the ability to complete each transaction quickly and efficiently.

Key Highlights:

  • All Check Types, ID Types and Dollar Amounts
  • Highest Industry Automated Approval Rates
  • Maximum Security, Risk and Technology Controls
  • Full Authorization Guarantee
  • Financial Stability from the Industry Leader
  • ALL Check Types, ID Types and Dollar Amounts - Supports all check types including personal, government, payroll and more as well as all ID types and check dollar amounts — all with the same fast and reliable approval rates.
  • Highest Automated Approval Rates - FIS has the highest automated approval rates in the industry, providing the best user experience for your customers. FIS delivers a consistent high automated approval rate across all check types including “hard to cash” check types. Risk reviews are fast and easy so there is no need for customers to wait— most decisions are returned in seconds.
  • Full Decision Warranty - Eliminate worry and risk when all approval decisions are completely guaranteed. If a check is returned that FIS authorizes you will be reimbursed 100% of the item’s face value.
  • Protect from Check Fraud - Negative file and duplicate logic advance anti-fraud measures that adapt immediately when fraud occurs to limit exposure and remove bad transactions without affecting the good population.
  • Maximum Security, Risk and Technology Controls - FIS leverages years of experience, data backed decisioning and a very comprehensive risk analysis engine that includes detailed physical check validity, individual check casher history, image quality checks, velocity settings, 3-tier duplicate detection, Positive Pay, Negative file reviews and more.
  • Financial Stability to Support Your Program over the Long Term - FIS’s financial strength positions us for long term presence and continuous reinvestment into our products to ensure our clients receive both stability and innovation, today and into the future.


FIS InstantFunds Check to Deposit


Fast and Convenient Check Deposits

Grow your services portfolio by offering your customers fast and convenient check deposit services with immediate funds availability. FIS InstantFunds Check to Deposit offers improved customer loyalty and increased cross selling opportunities, completely risk-free.

With FIS InstantFunds Check to Deposit you can instantly deposit your customers’ checks, without a lengthy and cumbersome manual approval process or a 4-day waiting period. Integrated real-time check authorization enables Financial Institutions and Retailers to appreciate

  • Expanded service offering
  • Better cross-sell opportunities
  • Improved customer loyalty

Key Highlights:

  • All Check Types, ID Types and Dollar Amounts
  • Highest Industry Automated Approval Rates
  • Full Authorization Guarantee
  • Financial Stability from the Industry Leader

FIS InstantFunds Check to Deposit is a real-time authorization system that provides immediate check acceptance decisions – at no risk to your company. With this system in place, your business effectively reduces the costs of depositing checks and completely eliminates the risk of fraud, all while gaining the ability to complete each transaction quickly and efficiently.

  • ALL Check Types, ID Types and Dollar Amounts - Supports all check types including personal, government, payroll and more as well as all ID types and check dollar amounts — all with the same fast and reliable approval rates.
  • Full decision warranty - Eliminate worry and risk when all approval decisions are completely guaranteed. If a check is returned that FIS authorizes you will be reimbursed 100% of the item’s face value.
  • Decisioning in sub-second, not minutes - Highest automated instant approval rates. Risk reviews are fast and easy so there is no need for customers to wait in long lines, providing a better user experience.
  • Protect from check fraud - Negative file and duplicate logic advance anti-fraud measures that adapt immediately when fraud occurs to limit exposure and remove bad transactions without affecting the good population.
  • Customer Convenience - Mobile app, in-person, kiosk, ATM, and online channel options offers added convenience.

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FIS InstantFunds ACH Warranty


Convenient and Recurring Funds Movement

Grow your services portfolio by offering your customers fast and convenient mobile ACH Warranty services with immediate funds availability. FIS InstantFunds ACH Warranty offers improved customer loyalty and increased cross selling opportunities, completely risk-free.

With FIS InstantFunds ACH Warranty you can instantly place money on your customers’ prepaid card or allow for cash payouts, without a lengthy and cumbersome manual approval process. You can give your customers access to cash at the Point of Sale, a kiosk or ATM.

  • Full decision warranty - Eliminate worry and risk when all approval decisions are completely guaranteed. If an ACH is returned that FIS authorizes you will be reimbursed 100% of the item’s face value.
  • Provides customers fast access to cash - Highest automated instant approval rates. Risk reviews are fast and easy so there is no need for customers to wait, providing a better user experience.
  • Protect from check fraud - Negative file and duplicate logic advance anti-fraud measures that adapt immediately when fraud occurs to limit exposure and remove bad transactions without affecting the good population.
  • Customer Conveniences - Mobile app, in-person, kiosk, ATM, and online channel options offers added convenience. FIS supports and warranties all check types including personal, payroll, government, cashier’s checks, money orders and more ensuring no walk away business.
  • Easy Prepaid Card Top Ups - Supports fast, convenient and recurring fund loads to a prepaid card.

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