Consumer and Commercial Debit from Fiserv provides full-service debit card services for Visa® Debit, Debit MasterCard® and Discover® debit programs.



A single connection to Fiserv enables you and your debit cardholders to enjoy the benefits of a full-service debit card processing solution. We combine innovation, superior performance and service excellence to offer everything you need for a successful debit program. Individual cardholder and small business programs are fully supported.

Debit cards are one of the most popular payment methods at the retail point-of-sale, with debit transactions growing year-over-year. A complete range of debit products and services enables you to design a program that maximizes revenue, mitigates risk, strengthens your competitive position and differentiates your financial institution.

And small businesses can use commercial debit cards for business-related purchases and to get cash at ATMs. With a commercial debit program, you can expand your payments product line, attract new customers and increase card usage.



  • Authorization and settlement: Manage the debit transaction approval process according to your business philosophy and tolerance for risk. Daily funds settlement and reports always coincide with your end-of-day or business cutover time
  • Cardbase management: Order cards, add, modify or delete cardholder records, define authorization parameters, and review outstanding authorizations 24 hours a day, online and in real time
  • Card production: We handle every part of card production – heat stamping, graphics, embossing, color-tipping and encoding – and provide ways to differentiate your card program through innovative services such as photo cards and instant issue
  • Risk management and exception processing: Our neural network and real-time decisioning system incorporate predictive models to identify uncharacteristic transaction behavior and potentially fraudulent card use. You can also manage exception processing in-house, or outsource to us
  • Call center support: We provide superior call center performance and services. You can choose to outsource first level cardholder support to us or re-direct customer calls after hours and on weekends
  • Reporting and analytics: Our flexible reporting and analytics options ensure you have the data you need to manage your debit program on a daily basis

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For more information on Consumer and Commercial Debit and other Fiserv solutions, call us at 800-872-7882 or contact us.

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