Credit cards provide an increasingly important revenue stream for financial institutions and help strengthen customer relationships. Credit Card Management for DNA® from Fiserv provides the tools you need to provide competitive credit card products.
Credit Card Management for DNA is a reliable, flexible and secure card portfolio management solution that supports the features you need for an effective card program – from card asset management to valued cardholder services. The solution enables your financial institution to manage or expand an existing card portfolio or originate a new portfolio customized to meet the needs of your customers.
Credit Card Management helps you capitalize on revenue-generating opportunities and gain a competitive advantage in your market. The solution supports flexible rate and balance plans, a tiered late fee option, reward programs (including cash-back rewards), skip-a-pay options, custom card images and other services your cardholders expect. You can deliver even more value to cardholders by enabling them to access current card balance, available credit, advance activity and payment activity information using Voice Response for DNA® or DNAweb™, or other interactive voice response (IVR) systems and online banking solutions.
Credit Card Management integrates with the DNA account processing platform to provide an array of opportunities for your financial institution to keep credit card assets on your books. It is available for in-house and hosted processing environments, and is built using industry-leading technologies to meet your needs today and well into the future.
- Enhanced efficiency: Credit Card Management streamlines card management with an easy-to-use Web interface, simplified workflows, task automation and a built-in product wizard to expedite new card program setup and create rewards programs to attract and retain customers. It offers complete back-office support for credit services, dispute resolution and card issuance; facilitates managing transaction exceptions; and automates the reissue and status of compromised cards
- Tight integration: Credit Card Management integrates with DNA and leverages our fully integrated Card Services credit card gateway as well as other pass-through processors. The solution supports multiple credit card brands, including MasterCard® and VISA®, and simplifies processes by interfacing with third-party lending and collections systems
- Flexible rates and options: Credit Card Management enables you to customize rates at the product or account level, setting distinct rates for purchases, advances, balance transfers, introductory periods and promotions. The solution supports promotional pricing plans, fixed payment plans, both fixed and variable interest rate calculations, and both fixed and percentage fees. It also offers you the flexibility to deliver standard statement output in the XML format, customize your card statement messages, and add credit insurance to your card products