The scope of card processing and network services is vast and complicated, requiring countless hours of service and training. Some processors use this to their advantage to enhance their profits through multiple processing fee and fee-for-service arrangements. MAP, on the other hand, offers a straightforward pricing structure, eliminating hidden fees and freeing our credit union clients from unknown and unpredictable expenses. Our experienced team of professionals is known for safe-guarding the interests of our client credit unions and their members, continuously seeking opportunities to reduce client costs and find opportunities for operational efficiencies.
By any measure, Member Access Processing (MAP) services are considered fundamentally superior to those available within the industry, distinguished by a combination of proven technology, price and exceptional client service. MAP started as a Credit Union Service Organization (CUSO) to provide debit and credit card processing and ATM services for credit unions. This remains MAP’s core business for which it is recognized and respected within the industry.
As the nation’s only aggregator of the Visa Debit Processing Service platform for credit unions, Member Access Processing (MAP) is in the forefront of providing industry-leading products and services to credit unions. Visa DPS is one of the largest issuer processors of Visa debit transactions in the world. MAP’s special role in the marketplace provides our client credit unions the unique opportunity to leverage the Technology, Security, and Service of Visa for their members.
MAP offers a variety of flexible risk management solutions to help your credit union reduce losses and lower administrative expense associated with managing fraud.
Our services are tailored to your institution’s needs, risk characteristics, and goals. By combining processing scale, advanced technology, and years of risk management experience, we can provide you with a complete fraud management program at an affordable cost.
We work closely with you to identify your risk management needs and then provides tools and controls to actively manage payment system risk.
MAP Network Gateway Services offer your credit union convenient access to all major regional and national ATM and POS networks. We provide efficient and economical network solutions to enhance your portfolio such as shared ATM deposit services and no-surcharge networks and alliances. In addition to an expansive list of network relationships, Member Access Processing also offers a comprehensive solution for both the ATM and check card product, as well as ancillary support for ATM terminal driving.
MAP Plastics is a ‘world class’ solution out of the gate. From traditional credit and debit banking cards to fast-paced prepaid and image card applications, MAP Plastics offers magnetic stripe, contact, contactless and dual-interface cards for any traditional or EMV card program. Coupled with Card and Account Maintenance within CATS, MAP clients will be able to directly manage and monitor member cardholder information and have access to a wealth of well-organized information. MAP Plastics provides a proprietary card management platform for tracking, inventory, and delivery management.
MAP has created an affordable alternative to what’s currently available on the market today. Leveraging the combined buying power of financial institutions from across the United States, MAP provides state-of-the-art card production and fulfillment at wholesale pricing. Large or small, credit unions of any size can save with MAP Plastics.
With Instant Issuance, you can remove the hurdles to new card adoption and establish preferred behaviors early. Delight your members by delivering a new secure, payment card on the spot. Instant issuance provides true competitive differentiation and help you keep your debit and credit cards top of wallet. Cardholders can access their money and make purchases immediately, without waiting 7 to 10 business days to receive their card in the mail.
The following Instant Issue processes can be completed in real-time when a customer opens a new account:
Member Access Processing (MAP) offers a white label Buy Now Pay Later (BNPL) solution powered by equipifi that integrates with a credit union’s core to provide offers that members can view, accept, and manage through their existing banking apps. Credit unions attract and retain members when they offer advanced, convenient, and flexible BNPL solutions that provide members with manageable spending options.
With BNPL directly in their credit union’s app, member cardholders are able pay for purchases in a way that aligns with their financial goals.
The BNPL functionality is simple and convenient from within the credit union’s banking app:
The platform analyzes historical account information to help credit unions determine BNPL offer eligibility throughout the shopping journey. Take balance history, overdraft history, shopping behavior, and more into consideration to better understand your cardholders’ BNPL preferences.
Once integrated, the platform automatically pulls real time information from the credit union’s core to incorporate into the eligibility decision and offer generation process. Loan details from accepted BNPL offers are pushed back to the credit union’s core to be reflected in the cardholders’ account and on their banking app.
The platform uses debit transaction information to generate BNPL offers that have already been approved for eligible cardholders. The streamlined and automated BNPL offer creation workflow takes cardholders’ transaction amount, merchant data, and more into consideration when decisioning eligibility and generating BNPL offers.
MAP’s Data Analytics & Performance Solutions gives you insights into your credit union’s transactions, cardholders, interchange, merchants, and fraud. Our data warehousing and analytics solutions deliver easy access to the information needed to help optimize portfolio performance, address fraud, and grow your payments business.