FIS® Everlink™
Integrated payments and digital solutions for Canadian financial institutions and service providers
Innovation | Integration | Trust
Available only in Canada
Empowering money movement across the financial services ecosystem
Delivering payment innovation
Platforms that drive meaningful engagement with members, cardholders and merchants are critical for financial institutions and service providers. FIS® EverlinkTM provides Canadian financial institutions and service providers payment processing solutions to help meet their current and future electronic payment and transaction service needs.
Reliable, future-ready payment services
We help equip Canadian financial institutions with payment processing solutions that focus on service quality, flexibility and costs – including ATM managed services, payment network gateways, mobile payments, fraud management, card issuance and management, consulting and more.
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Learn more about how FIS® Everlink™ empowers financial institutions and businesses across Canada with payments solutions that serve and drive engagement for members, cardholders and merchants.
Specs
FIS® Everlink™
ATM managed services includes connectivity to networks and turnkey ATM managed services
Flexible, turnkey services enable financial institutions to produce reliable, cost-effective EMV chip debit cards
Payment integration
Facilitate timely payments across retail P2P, B2B, B2P, ISO20022 payment gateways and API integrations.
Fraud management
Deliver enhanced security for members and cardholders with advanced, purpose-built fraud management solutions.
Network connectivity
Access extensive connectivity, transaction processing, settlement, reporting and compliance services across multiple payment networks.
Retail payments
Support card-present and card-not-present point-of-sale acquiring for payment service providers, fintechs and credit unions.
Innovative payment solutions for secure transaction management
FIS® EverlinkTM empowers financial institutions with advanced technology, expert support and flexible services to streamline operations and deliver secure, more reliable payments. Our platform also provides Canada with a suite of Interac e-Transfer® products to enable efficient fund transfers.All
ATM Managed Solutions
Card Issuance & Management
Digital Solutions
Fraud Solutions
Mobile Payments
Payment Network Gateway
Retail Solutions
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Dynamic Currency Conversion
Provide flexible international card acceptance offerings
Dynamic Currency Conversion allows financial institutions to serve international cardholders by enabling transactions in their home currency. Cardholders can see the Canadian dollar amount and their home currency equivalent, including the exchange rate applied at withdrawal.
ATM Express 360° Managed Services
Drive ATM network efficiency with managed services
ATM Express 360° Managed Services is a customizable ATM managed services program designed to improve ATM network efficiency and reduce administrative effort. This end-to-end solution lets you focus on core business activities while we provide the expertise and technology to support your self-service channel.
ATM White Label
Extend your brand presence through ATMs
Our White Label ATM service offers credit unions and banks a cost-effective way to extend their brands. Customizable to your unique needs, it supports greater efficiency, reduced costs and a stronger presence in new and existing markets.
ATM Monitoring
Streamline ATM issue detection with automation
Our ATM Monitoring service uses an automated system to notify a financial institution’s designated contact or the service vendor when an ATM experiences distress or communication issues. All ATMs connected to our switch receive standard ATM Monitoring services.
ATM Incident Management
Improve ATM incident handling and cost control
ATM Incident Management combines our ATM Monitoring software with 24/7 support from our client excellence team. This solution provides a single point of contact through our client excellence team for reporting ATM faults and other conditions.
Multi-language support
Build loyalty with multi-language support
With multi-language support, your ATM can service members and customers completing transactions in their preferred language. The ability to display transaction text in various languages provides speed and simplicity for your members and customers while helping your financial institution build loyalty and encourage future ATM visits.
ATM Electronic Journal Management
Simplify electronic journal access and management
With our Electronic Journal Management service, transactional journal files are collected daily and stored in our centralized repository for client access and retrieval. Files can be easily downloaded at any time from any location through our dedicated online portal.
Co-Badged Debit Program
Deliver more payment options for issuers and customers
With our Co-Badged Debit Program, we partner with leading card production suppliers and certified facilities to provide financial institutions with end-to-end solutions powered by proven personalization and manufacturing technology. Supported networks include Visa®, Mastercard®, Interac®, Acculink®, The Exchange® and NYCE®, helping you enhance quality and reduce costs.
Interac e-Transfer® Send Money
Transfer money securely and instantly across Canada
Interac e-Transfer® Send Money enables your customers and members to send money quickly to anyone in Canada using just an email or phone number. Ideal for personal use, it’s a simple and secure way to transfer funds.
Interac e-Transfer® Request Money
Collect payments faster with payment requests
With Interac e-Transfer® Request Money, your customers and members can send payment requests directly to others and get paid more quickly and effortlessly. Whether you’re splitting bills, managing invoices or paying with credit cards, it provides a simple way to collect payments for personal and business use.
Interac e-Transfer® for Business
Send or receive funds in near real time
Interac e-Transfer® for Business (Account Number Routing) lets your customers and members send or receive funds quickly through participating financial institutions, helping them maintain smooth cash flow. Capabilities include higher send limits (up to $25,000), account number routing and rich remittance data for more seamless reconciliation.
Interac e-Transfer® Bulk Payables
Issue business payments with high-volume efficiency
Interac e-Transfer® Bulk Payables helps streamline business operations by sending up to 10,000 transactions in a single file, with each transaction carrying a limit of $25,000. Enjoy the flexibility to send unlimited files throughout the day, enabling efficient, automated payments to employees, vendors or customers while saving time and reducing errors.
Interac e-Transfer® Bulk Receivables
Streamline cash flow across multiple payment sources
Interac e-Transfer® Bulk Receivables consolidates payments from multiple sources into a single file, simplifying cash flow management. With the ability to process an unlimited number of files throughout the day, this solution supports precision, efficiency and scalability for businesses of all sizes.
Legal disclaimer
*The Interac logo and Interac e-Transfer are registered Trademarks of Interac Corp. used under license.
Open Banking
Deliver exceptional member experiences through Open Banking
Our platform stands as Canada’s only open banking solution with a contractual compliance guarantee, enabling secure data sharing, real-time fraud monitoring and FAPI-compliant APIs that help reduce screen scraping by 90%. Your members can view, manage and revoke consent across over 600 fintechs, unlocking use cases like account funding, onboarding, lending and wealth management, while a powerful data dashboard enhances customer insights to drive growth.
eDETECT®
Strengthen customer confidence with timely fraud prevention
eDETECT® helps financial institutions detect and prevent fraudulent activities involving credit, debit and prepaid cards by continuously monitoring transactions and analyzing patterns to quickly identify suspicious behavior. The solution utilizes rule-based systems and data analysis to evaluate key risk factors, including transaction location, amount, frequency and merchant type, triggering alerts, blocking high-risk transactions or prompting additional verification to minimize losses and protect customer trust.
eDETECT+®
Enhance security with enterprise fraud monitoring
eDETECT+®, our enterprise fraud monitoring solution, consolidates multichannel activity into a single holistic view of all account holder interactions. This unified platform enables data-centric fraud monitoring services to detect complex fraud schemes, including those related to the structuring of funds in anti-money laundering schemes.
eSCORE®
Detect debit card fraud more effectively
eSCORE®, built on the eDETECT® real-time and near-real-time debit card fraud monitoring solution, is the next-generation fraud monitoring tool designed to enhance the capabilities of eDETECT®. It targets fraud risks across face-to-face and e-commerce card-not-present debit transactions.
eAUTHENTICATE
Identify fraudulent activity through fraud scoring
eAUTHENTICATE uses adaptive machine learning models to evaluate incoming transactions against confirmed fraud data and assign it a fraud score. The fraud score indicates the likelihood of fraudulent activity based on multiple data points.
LOCK’N’BLOCK®
Empower cardholders to control their debit security
LOCK’N’BLOCK® is a mobile card control service that lets cardholders “lock” their debit card to “block” unauthorized or unwanted use. Cardholders access LOCK’N’BLOCK® through their financial institution’s online or mobile banking application, where they can register cards, view statuses and adjust debit cards between locked and unlocked.
Country Block and Travel Exclusion
Enable secure transactions for traveling cardholders
Country Block enables you to reduce your cardholder’s exposure to international fraud by controlling individual country authorizations. The Travel Exclusion add-on allows specific traveling cardholders make transactions in otherwise “blocked” regions.
Hot Card Automation
Reduce fraud risk with automated card blocking
Hot Card Automation helps financial institutions reduce fraud through an automated card block process based on files from the Interac® Fraud Alert System (Skim Zone). To help prevent fraud, cards flagged as “hot” are identified in reports and proactively replaced to minimize fraud risk.
Mobile payments
Enable Canadians to pay with their mobile device
We’ve been at the forefront of mobile wallet adoption since the beginning. Today, 100% of tokenized Interac® mobile debit transactions in Canada are processed through our platform, demonstrating the reliability and expertise trusted by institutions and consumers.
Payment Network Gateway
Access domestic and international payment networks with ease
Our Payment Network Gateway service powers banks, credit unions and POS processors with technology infrastructure and network connectivity. We operate the industry-standard ACI Base24/HP NonStop payments processing platform, a premier switch infrastructure with redundance architecture, to facilitate stability and performance.
We provide Payment Network Gateway services to over 98% of Canadian credit unions and more than 55% of consumer-facing Schedule I and Schedule II banks, offering connectivity, transaction processing, settlement, reporting and compliance across 14 payment networks. Payment networks we support:
We provide Payment Network Gateway services to over 98% of Canadian credit unions and more than 55% of consumer-facing Schedule I and Schedule II banks, offering connectivity, transaction processing, settlement, reporting and compliance across 14 payment networks. Payment networks we support:
Indirect Connector Services
Streamline debit acquiring through one payment gateway
Our Indirect Connector Services offers an all-in-one payment gateway for acquirers, fintechs and payment service providers to access Interac® debit acquiring. It also supports mobile POS and in-app and in-browser debit payments.
ISO Program
Simplify POS device boarding and management
Our ISO Program provides merchant services for independent sales organizations, supporting POS device boarding and management. We process Interac® debit transactions, while credit transactions are routed through our third-party partners for authorization.
PIN Stations
Enable secure in-branch PIN management
Our PIN Stations provide POS terminals for card issuers to manage PIN services in-branch, such as setting, changing and resetting PINs.
Device Certification
Simplify device onboarding with trusted certification
Device Certification is a network certification service for device setup, helping host-to-host and ISO customers onboard smoothly.
Merchant Acquiring Program
Drive growth through referral-based acquiring
The Merchant Acquiring Program is our referral program, allowing credit unions to refer business members to Chase merchant services for payment acceptance solutions.
Member Profile Pop-Up
Support secure PIN-based member authentication
Our Member Profile Pop-Up service enables you to perform Know Your Customer (KYC) verification through chip and PIN verification at PIN stations. Once the PIN is validated, the member’s demographic profile is displayed on the teller’s screen.
Need client assistance?
Get in touch with our dedicated support teams
Want access to all your support tickets?
Service PortalLooking to speak with a specialist?
866.388.0076Need assistance from client support?
888.354.6577Have a question for customer support?
support@everlink.caBuild faster with our suite of APIs
Access the FIS® Everlink™ Developer Portal for our extensive API catalog and developer documentation. Explore best practices, use cases, guides and prebuilt assets to streamline your design, development and delivery.
Let’s keep our conversation going
Learn more about how FIS® Everlink™ empowers financial institutions and businesses across Canada with payments solutions that serve and drive engagement for members, cardholders and merchants.
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Customer support
Need to report a lost or stolen debit card?
For assistance with a lost or stolen debit card or any related concerns, please contact us at 888.277.1043.