EFT Payments Software

E-COMMERCE ATM

MERCHANT MANAGEMENT

POINT-OF-SALE KIOSK

FIS ELECTRONIC FUNDS TRANSFER SOLUTIONS

BANK

CARD MANAGEMENT

INTERCHANGE AND CLEARING

ONLINE TRANSACTION SWITCHING

CARD ASSOCIATIONS

EFT Payments Software

FRAUD MANAGEMENT

EXCEPTION PROCESSING

SETTLEMENT

TRANSACTION RESEARCH

MANAGEMENT REPORTING

Todays consumers expect to be able to make a wide variety of payments, whether at their local ATM, in their living room, or on their smart phone. This has a direct impact on your business. And, with transaction volumes continuing to grow, this demands an enterprise-wide payments infrastructure that allows you to operate seamlessly providing the appropriate mix of products and services, across markets and channels, to both existing and new customers.

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EFT Payments Software

Changing regulatory/compliance requirements, emerging payment methods and continual market pressures make your choice of a solution supplier critical. You need a partner who will help your business operate more efciently a partner who can provide a broad range of solutions to help you harness and leverage the power of data within your enterprise to mitigate fraud losses and to understand customer behavior. With this business insight, your organization will be well-positioned to compete effectively in global markets with a cohesive payments strategy. FIS can combine great technology with a full range of service delivery options from in-house managed software to a fully outsourced solution, or anywhere in between.

EFT Payments Software

your customers want today. The exibility of the FIS online transaction switch software also means that you can easily and cost-effectively change your products and services to match the expectations of your customers as they develop. management reporting, device services and exception/dispute management. From settlement to auto-balancing, data mining to device inquiry, the Transaction Data Repository gives you options to manage your business more effectively. This means improved customer service, reduced support costs through automated transaction research and real-time access to all payment transaction data. Exception/Dispute Management. FIS offers a powerful tool to manage exception/dispute handling. Our exception/dispute management component allows the automation and streamlining of your organizations dispute management department. It leverages the FIS transaction data repository and its intuitive, browser-based user interface to enable one click dispute/chargeback creation, reduced exception write offs and streamlined dispute and chargeback processing. Fraud Management. FIS offers a dynamic and exible fraud detection and prevention solution. A rules-based system for detecting fraudulent transactions, this fraud solution can act as a gatekeeper for neural networks or as a standalone fraud management solution supporting both post-authorization, in-line processing, and multi-institution implementations (for example, in a multi-institution environment, rules can be congured to suit the needs of each nancial institution, alerts routed to specic end-users within the institution, etc.). FIS also offers neural fraud services online should you prefer to outsource your fraud management. Enterprise Dashboard. The FIS enterprise dashboard is a transaction data management solution that enables nancial institutions and processors provide new business insight into the growing volumes of payment transaction data. The enterprise dashboard component leverages multiple transaction data sources to collect and display key management-level payment processing information through a highly interactive, easy-to-use dashboard, providing an at-a-glance view of the health of your payment processing operation.

EFT Payments Software

Merchant Management. Designed to support the billing and settlement needs of a diverse range of merchants across multiple business channels, the FIS merchant management component is a congurable, exible, automated, multi-currency solution to process billable transactions and events. The merchant management solution helps you increase your speed to market by allowing you to adapt quickly to new pricing models and promotions. This highly exible solution supports exible settlement methods/frequencies and transaction pricing models (including promotional and seasonal), and a variety of hierarchical structures. Its scalable, open architecture provides a growth path without major investment in software maintenance. Interchange and Clearing. Built for todays complex interchange and clearing requirements, the FIS interchange and clearing component is a completely exible clearing system based on open systems and a relational database. It is scalable and exible allowing quick and easy implementation of changes, interfaces to internal and external systems, and support for multi-institution and multi-currency business requirements. With support for multiple industries, the interchange and clearing solution facilitates transaction processing as issuer, acquirer, or network. It incorporates exible business rules for interchange, settlement and fee billing, as well as member-tomember agreements. Furthermore, the interchange and clearing solution can help reduce the cost of change in adhering to network/regional rules and regulations and managing network compliance. American Express or JCB transactions; stores, processes or transmits cardholder data; or is sold, distributed or licensed to third parties. The most signicant requirement is the encryption of sensitive cardholder information. FIS is committed to compliance with the ongoing development of PADSS rules and regulations.

Industry-Leading Licensed Solutions

For clients who wish to run our software inhouse, FIS provides rich functionality around the entire payments processing and account management life cycle, efciently managing dayto-day transactions and customer service while providing unique business insight into the broader customer relationship. From card management, through payment processing to the back ofce, FIS creates a seamless link between customer-facing delivery channels and internal systems, simplifying operations, improving customer service and creating the ability to bring new products and services to market quickly and efciently

Back Ofce
FIS has a full range of back-ofce EFT payment solutions, to help your organization unlock the potential of customer data, become more operationally efcient and gain better understanding of your business across all your customer touchpoints. FIS provides a range of core building blocks for back-ofce management, with components to address problems such as cost control, compliance headaches and lack of appropriate functionality to address back-ofce inefciencies. A centralized data repository provides a single view of customer data and business insight across channels and account types. Integrated, real-time fraud detection tools, card management solutions, merchant management solutions, interchange and clearing processing and a management dashboard provide a real-time view of business performance: Card Management. Supporting debit, credit and prepaid programs from a single platform, FIS provides one of the most advanced and comprehensive card management solutions available in the market today. A high-volume platform that serves the needs of issuers and acquirers, the FIS card management platform can support card databases of more than ten million accounts. This exible, rules-based processing engine is designed to meet the challenging needs of a dynamic market place, while ensuring you remain compliant with all the major industry standards, such as PA-DSS and EMV, as well as emerging standards for mobile, contact less and virtual products. Transaction Data Repository. FIS provides a single transactional data repository to store and manage all of your electronic payment transaction data (including debit, prepaid and credit). With a near real-time transaction feed from the payment applications, the transaction data repository is a 24/7 browser-based application for managing electronic payment back-ofce functions, including transaction research, nancial settlement,

FIS Your Trusted Partner

FIS has the experience to help your organization grow, by helping to dene and deploy a successful EFT strategy that makes both business and consumer sense. Our exible, scalable, modular EFT solutions are highly congurable and capable of addressing your needs across all of the markets you serve. Processing more than 50 billion EFT transactions annually through our FIS payments software, FIS is the clear industry leader. No other organization delivers the breadth of banking and payment services that FIS offers, coupled with the exibility to deliver solutions in the manner that best meets our clients business needs via an outsourcing arrangement, deployment of a licensed product, or anything in between. In addition to foundational payments/EFT transaction processing solutions, FIS delivers a wide range of innovative solutions spanning the banking and payments horizon, including fraud, loyalty, mobile, card personalization, the NYCE Payments Network, and core banking. No other organization can match the breadth of product or the depth of integration that FIS is able to offer. With more than four decades of experience and thousands of customers in the nancial services industry, FIS has everything you need to provide the innovative and reliable EFT and payment processing solutions that your customers have come to expect. From card issuing to transaction acquiring, FIS provides a range of end-to-end products and services that you can count on.

Payment Solutions That Meet Your Business Needs

FIS is the leading provider of banking and payment technology solutions to nancial institutions, networks, processors and merchants. FIS is about more than just great software. We go beyond technology to offer a total solution that gives you incisive answers to every aspect of your payments processing business. Whether you operate in one country or several, our solutions are totally scalable. And, if you need multi-entity, multi-language, multicurrency and multi-time zone processing, we can support you with solutions that are tried and tested by some of the worlds leading organizations. FIS payment software solutions are designed to address your specic business needs. Our exible technology processes card-based transactions on every level of an electronic funds transfer. Using modern, open systems architecture, our modular software applications offer the most scalability, availability, and performance, giving you a consistent and universal operation across all countries.

Online Transaction Switching

FIS award-winning online transaction switch software provides a robust, high-volume, highavailability and highly scalable EFT processing environment. Designed to run in a multi-node, active-active environment to facilitate your business continuity and disaster recovery strategies, it provides all of the core business functions you need to process electronic payment transactions: our online switching products support ATM and POS device driving, transaction routing, authorization, communications support, operational management and monitoring, network and host interfaces, security strategies, fraud blocking and statistical monitoring. Because todays nancial services marketplace is increasingly competitive, your business strategy must look beyond todays demands to ensure your next level of success. FIS online transaction switch software provides world-class payment delivery options for EFT transaction acquiring, switching, authorization and network access. Our online transaction switch can enhance your EFT offering and improve your competitive position, helping you to provide the products and services

Security and Compliance

FIS Payments Solutions software undergoes rigorous testing and is certied as PA-DSS - Payment Application Data Security Standards) compliant by an independent third party. PA-DSS is a set of compliance requirements for software applications that process electronic card-based payments. The PA-DSS requirements apply to any software application that participates in the authorization or settlement of Visa, MasterCard, Discover,

Service Delivery Flexibility

FIS offers our clients a unique range of deployment options. We provide you with the ability to run our software solutions in-house or have FIS manage the application for you. You can even outsource parts or all of your payment processing operation, in order to achieve the most cost-efcient combination of software and services. As a leading provider of outsourced transaction processing and customer account management solutions,
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Contact Us.
For more information about FIS EFT Solutions, call 800.822.6758, or visit www.sglobal.com.