Payments Network

ACCEL/Exchange® from Fiserv is a leading debit payments and ATM network combining around-the-clock high performance and system availability with innovative transaction sets — all designed to deliver maximum reliability, enhanced revenue and consumer trust. ACCEL/Exchange delivers a unique combination of access, performance and value.

Payments by debit card are a winning solution for everyone. Consumers get the ease and convenience of a payment vehicle that can be used at the point-of-sale, on the Internet or via phone. You get additional revenue. But if the debit network isn't 100 percent reliable or doesn’t support new and emerging transaction options, the whole strategy can fall apart. If the payment services network goes down, if the consumer doesn't trust the accuracy of the transaction or if new payment channels aren’t supported, use will plummet. Worse, consumers may seek out a different provider. When it comes to your debit card network, service flexibility and reliability are paramount. Fiserv can help.

Our Solution

ACCEL/Exchange is a leading debit payments network that eliminates these worries. Our members depend on us to support a widening array of transaction types, with around-the-clock network switch availability, unrivaled system reliability and transaction authorization rates that are second to none.

Our network provides your cardholders with anytime, anywhere access to their funds with the security of a PIN-based transaction. More importantly, our payments network has been an innovator in the payment systems industry for more than 35 years; it’s known for delivering a unique combination of access, performance and value.

In order to ensure that our payments network conforms to the most rigorous standards in financial services, Fiserv has arranged an innovative governance structure for ACCEL/Exchange comprising financial institutions representing a cross-section of network members. An advisory council establishes the strategic and tactical goals for the payments network, and is directly involved in pricing, security and operating rules decisions.

Benefits

Our advanced payments network will prove to be a tremendous asset, both for you and your cardholders:

• Around-the-clock network switch availability and unrivaled system reliability and transaction authorization rates
• Innovative transaction sets and channels to generate new cardholder transactions and revenue — including mobile and real-time person-to-person payment capabilities
• An expansive national debit card and ATM network covering all 50 U.S. states, U.S. territories and Canada. Network cardholders can also use their ATM and debit cards to make purchases with a "cash back" option at retailers nationwide, and pay bills online
• Value-added network services including our surcharge-free options, deposit-accepting program, card alert risk management and the Education Exchange college grant program
• Marketing strategies and materials to assist you in promoting debit card payments over cash and check payments