Designed to help issuers move faster with more control, FIS® Total Issuing™ TS2 is an end-to-end platform for consumer and commercial card payments. Its flexible, API-first architecture connects onboarding, servicing, authorizations, risk and fraud management, digital experiences, loyalty, communications and scheme-agnostic, real-time virtual card issuance. Advanced data streams and portfolio analytics also deliver the visibility needed to modernize payments and accelerate time to market.

FIS® Total Issuing™ PRIME in the Cloud provides issuers with a powerful API-centric and cloud-native platform for growth, supporting consumer credit, debit, unlimited currency prepaid and commercial cards with a single customer view. It unlocks digital enablement through virtual cards, wallets and tokenized payments and powers innovation with API-driven integration and secure, real-time data insights. Expand possibilities with customer-centric rewards, installments and buy now, pay later, carbon footprint tracking, AI-boosted fraud prevention and optional PRIME acquirer processing capabilities.

The Fraud & Disputes module of FIS® Total Issuing™ Customer Service helps teams identify fraud, capture claims and move cases through recovery and chargeback resolution in one connected experience. Configurable workflows, scripted guidance and advanced case management keep agents aligned to your policies and card brand requirements, helping reduce manual tasks, prevent missed deadlines and improve first-contact resolution.

FIS® Transaction Defense evaluates authorizations in real time with cardholder behavior analytics and historical transaction patterns. This fraud prevention and detection platform combines enriched data, machine learning scores and flexible, client-defined rules to distinguish genuine purchases from suspicious activity across channels, helping reduce false declines and operational costs.

Total Issuing™ Foresight Score helps identify suspicious activity as it happens by profiling cardholders and merchants with real-time authorization data. This machine learning and behavioral analytics fraud scoring solution continually self-learns and is trained on each issuer's portfolio, enabling issuers to approve more genuine transactions, stop fraud and reduce losses, false positives and alert management costs.

Total Issuing™ Advanced Authentication uses AI, machine learning and real-time cardholder touchpoint data to verify identities and validate transactions across channels. Backed by one of the largest in-house data stores of operational interactions, PII and transaction data – including cross-issuer and cross-border insights – this API-driven, microservice-based solution helps issuers reduce identity, CNP and account takeover fraud while minimizing false positives and supporting stronger customer authentication compliance.

FIS® Total Issuing™ TS2 Digital Experiences APIs enables faster delivery of new digital capabilities by simplifying how experiences are delivered across channels. Cardholders gain secure, convenient self-service to start tasks in one place, pause and resume without repeating steps or contacting support. Consistent experiences extend across consumer and commercial portfolios through shared rules and workflows that apply the same decisions and policies everywhere.

FIS® Total Issuing™ PRIME Digital Enablement APIs delivers over 550 essential and orchestrated REST APIs, empowering financial institutions, fintechs and partners to build faster, collaborate smarter and launch new products and services with confidence. Designed for API-driven innovation, it simplifies integration and enables evolving digital customer journeys and new ways to pay with PRIME Open APIs.

FIS® Premium Payback enables cardholders to redeem points or cash back as payment tender at the point of purchase – online, in store and across supported wallets and digital channels – through a simple checkout prompt. API-driven POS messaging and issuer connectivity retrieve real-time offers and value details to apply rewards instantly, creating a more seamless pay-with-points experience that boosts engagement, drives spending and keeps cards top of wallet.

Total Issuing™ CentreSuite provides the insights, access and controls needed to manage organizational spending across purchasing and travel programs. Cardholders, managers and administrators gain real-time visibility and control through web, mobile and API channels while streamlining receipt capture, expense reporting and approvals through a modern, scalable experience that improves compliance.