- Total Issuing™ Solutions
FIS® Total Issuing™ Solutions
Run on scale.
Run on scale.
Win on intelligence.
Modern issuer solutions transforming billions of transactions into real-time advantages – delivering personalized experiences, AI-driven insights, advanced fraud protection and superior efficiency.
Unified | Intelligent | Personalized
All your payment solutions, upgraded with unique and intuitive commerce experiences, enhanced with the latest agentic technology
Our unified platform delivers end-to-end capabilities, unparalleled insights and personalized experiences, empowering financial institutions and fintechs to accelerate growth, optimize operations and set a new standard for customer engagement.
Card Processing
Empower every transaction with modern card processing
Deliver operational efficiency, innovation and robust fraud prevention with our comprehensive card processing platform. Built for banks, fintechs and retail partners, our solution combines the scale and resilience of FIS with the agility and innovation of Global Payments’ Issuer Solutions (formally known as TSYS).
- Streamlined card processing: Optimize end-to-end debit and credit transaction processing, enabling real-time decisioning, authorization and card management, all while reducing complexity and lowering operational costs.
- Advanced fraud protection: Leverage industry-leading fraud solutions and data-driven insights to minimize risk and maximize transaction authorizations.
- Digital-first features: Enable instant issuance and real-time controls to drive activation and usage.
Support & Service
Streamline operations with intelligent back-office tools
Transform your back-office with a modern, service-oriented approach that boosts efficiency and accelerates speed to market.
- Streamlined user interface: Empower staff with intuitive tools for managing cardholder queries, transaction history, and dispute cases.
- Automated testing: Accelerate certification and ensure compliance with end-to-end automated testing for ATMs, payment terminals, and payment hubs.
- Service-oriented support: Access expert guidance and staff augmentation to manage complex projects and implementations.
- Operational excellence: Reduce manual effort, improve accuracy, and deliver enhanced experiences for both staff and customers.
Value Added Solutions
Drive loyalty and engagement with value added solutions
Go beyond basic processing with digital tools and marketing campaigns that build lasting relationships and unlock new revenue.
- Real-time loyalty: Enable cardholders to redeem points instantly at checkout – online, in store, or at the pump – driving measurable increases in spend and frequency.
- Personalized offers: Deliver mobile-first, personalized experiences that resonate with today’s consumers and differentiate your brand.
- Digital card management: Empower cardholders with real-time control and visibility, enhance engagement with intuitive tools and personalized alerts, and streamline operations while growing demand for card controls and digital wallet integration.
- Holistic Fraud Management: Delivering advanced detection and prevention with flexible rule logic and automation.
Commercial Capabilities
Unlock growth with modular, API-first commercial capabilities
Meet the evolving needs of SMBs, mid-market and enterprise clients with a comprehensive suite of commercial payment solutions.
- End-to-end ecosystem: Manage onboarding, authorization, fraud mitigation, expense management and virtual card capabilities in one integrated platform.
- API-driven innovation: Accelerate time-to-market and simplify integration with open APIs and developer tools.
- Advanced analytics: Gain actionable insights into spending patterns, fraud trends and supplier acceptance to optimize payment strategies.
- Trusted commercial processing: Leverage unmatched scale and experience with proven infrastructure that delivers reliability, security and compliance across regions and regulatory environments.
Card processing
Set a new standard for reliability and innovation in card processing, helping you grow transaction volumes and deepen customer engagement.
Debit
Credit
Platform performance
A modern, reliable platform with a proven track record of performance.
Proven end-to-end solution spanning originations, processing, servicing, and collections
Data & Insights
Maximizes data value with automated testing, external data integration, and advanced transaction analytics
Data-driven insights enable precise troubleshooting and compliance accuracy
Operational efficiency & support
Automated testing solutions increase speed and quality. Experienced implementation and professional services team ensure smooth deployment and ongoing success
Proven service and support model focused on minimizing disruption and ensuring client satisfaction
Innovation
Prioritizes innovation by collaborating with leading fintechs to deliver market-differentiating digital capabilities with enhanced integration
Delivers agile, API-first solutions that empower issuers to innovate faster and create secure payment experiences
Support and servicing
Our back-office solutions are designed to help you do more with less so you can focus on growth, not complexity.
Support & service
Disputes & collections
Monitoring & alert tools
Efficiency & productivity
Streamlines customer service and account management with a cohesive user interface and efficient workflows. Empowers agents with complete customer views and rapid issue resolution
Enhances dispute and collections management with guided workflows and decision-support tools. Improves agent productivity and reduces errors and training costs
Provides a central dashboard for real-time monitoring of cardholder behavior and network activity. Enables quick analysis and proactive servicing
Multichannel experience
Supports multichannel integrations (chat, mobile, call center) for consistent servicing across portfolios. Enables agents to manage accounts and resolve issues from any channel
Delivers improved experience for agents and customers across channels. Integrates collections and dispute modules for unified servicing
Offers customizable alerts and real-time insights across transaction types and channels. Supports proactive outreach and servicing
Automation & integration
Automate servicing tasks and connect business processes for first-touch resolution. Integrates with modernized solutions and APIs for flexible support
Integrates collections modules with user-friendly interfaces and guided workflows. Automates dispute handling and case management for faster resolution
Enables automated alerts and reporting for network outages and servicing opportunities. Integrates account and transaction data for holistic analysis
Control & customization
Provides administrators with powerful tools to manage accounts, troubleshoot and support teams. Enables tailored servicing for unique client needs
Offers configurable workflows and decision support tools for collections teams. Supports customization for specific dispute and recovery processes
Allows for customizable dashboard views and alerts. Supports tailored analysis of cardholder and product data for targeted servicing
Value-added solutions
Transform everyday purchases into engagement moments and turn dormant loyalty points into active buying power.
Fraud management
Holistic fraud management
Cloud-based – Provides a single point of entry for rule management and transaction analysis. Enables 24/7 self-service for financial institutions
Advanced fraud detection & prevention
Delivers real-time protection, uses behavioral and account insights to distinguish fraudulent from genuine transactions. Integrates internal and third-party scoring for comprehensive risk assessment
Operational efficiency & future-readiness
Instant, actionable insights for faster response. Reduces false positives to improve customer experience. Designed to adapt to evolving fraud tactics and support ongoing innovation
Flexible rule logic & automation
Supports advanced scripting and logic for precise fraud prevention, automates compliance with real-time rule enforcement, incorporates external client and vendor data for enhanced detection
Loyalty management
Loyalty real-time redemption
Personalization & flexibility
Delivers configurable, personalized experiences. Supports account-level personalization and relationship rewards. Enables flexible, white-labeled integration into digital banking ecosystems
Provides instant, mobile-first redemption at checkout. Meets consumers where they are with embedded experiences. Adapts to evolving expectations for immediacy and flexibility
Redemption experience
Offers best-in-class redemption catalog (travel, entertainment, gift cards, cash back, statement credits, merchandise, experiences), enables real-time merchant offers
Transforms loyalty points into discounts at checkout – online, in-store, or at the pump. Embeds redemption directly into payment experience for instant value, driving top-of-wallet behavior
Engagement & spending lift
Drives engagement through personalized campaigns and merchant-funded rewards. Proven to increase lifetime spending and deepen customer relationships
Unlocks dormant points and turns passive loyalty into active buying power. Reinforces brand at the moment of transaction. Drives measurable lift in transaction frequency and average spending
Operational efficiency & scale
Scalable platform that can fit institutions of all sizes. Includes marketing services, loyalty consulting and 24/7 cardholder support
Live across a nationwide merchant network (fuel, pharmacy, big box, online, grocery, ridesharing). Proven scale with thousands of programs and clients. Reduces liability from unused rewards
Technology & integration
Employs advanced analytics, embedded APIs and platform-agnostic integration. Supports streamlined onboarding and ongoing optimization for engagement and ROI
Integration at point of sale. Supports real-time data exchange and simpler redemption across major merchants and payment channels
Digital
Empowers cardholders
Gives users more control and visibility over their cards and transactions (e.g., lock/unlock cards, set spending limits, view real-time transactions, etc.)
Drives engagement
Enhances customer experience and increases usage through intuitive digital tools and personalized alerts
Promotes operational Efficiency
Streamlines card management and support processes for financial institutions
Meets market demand
Aligns with rising consumer interest in card controls and digital wallet integration
Commercial capabilities
Empower your business clients to streamline operations, enhance security, and unlock new revenue streams with future-ready commercial payment solutions.
Commercial
Empowers commercial cardholders & administrators
Provides convenient, self-service access to card management and expense management tools anytime, anywhere
Streamlines operations
Simplifies expense reporting, account maintenance, and program administration for issuers and corporate clients
Enhances flexibility & mobility
Delivers omnichannel access via web, mobile, and through APIs, allowing users to manage tasks on the go and across devices
Supports customization & integration
Accommodates customized branding, configurations, and permissions to meet unique client needs
Drives efficiency & control
Enables administrators to quickly manage accounts, troubleshoot issues, and support their teams with powerful digital tools
Purpose-built card issuing and payment solutions for modern institutions
The integration of FIS and Global Payments’ Issuer Solutions (formally known as TSYS) delivers a next-generation suite of card issuing and payment solutions, designed for organizations seeking more than just processing – a platform that drives innovation, agility and growth. This combined offering replaces legacy complexity with modern, API-first architecture, enabling clients to launch and manage credit and debit card programs with unmatched speed, flexibility and scale.
Press release
FIS Completes Strategic Acquisition of Global Payments’ Issuer Solutions Business, formerly known as TSYS
Read press release