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Authorization ProcessingAuthorization Processing
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Risk ManagementRisk Management
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Network GatewayNetwork Gateway
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MAP PlasticsMAP Plastics
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Instant IssuanceInstant Issuance
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Buy Now Pay LaterBuy Now Pay Later
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Reports & AnalyticsReports & Analytics
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Prepaid (GPR)Prepaid (GPR)
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Gift CardsGift Cards
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Prepaid Virtual CardsPrepaid Virtual Cards
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Ready Link NetworkReady Link Network
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Call Center SupportCall Center Support
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Campaign SolutionsCampaign Solutions
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ATM Terminal DrivingATM Terminal Driving
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Digital Member ServiceDigital Member Service
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Loyalty RewardsLoyalty Rewards
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Dispute ManagementDispute Management
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Payment Companion AppPayment Companion App
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Omni Channel BankingOmni Channel Banking
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Digital CredentialsDigital Credentials
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Account OpeningAccount Opening
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Online Lending/EasyVestOnline Lending/EasyVest
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Card Controls & AlertsCard Controls & Alerts
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APIs/SDKsAPIs/SDKs
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Implementations/ConversionsImplementations/Conversions
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Testing & CertificationTesting & Certification
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ISO 8583 & 20022 formatsISO 8583 & 20022 formats
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Card & Account MaintenanceCard & Account Maintenance
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Card FulfillmentCard Fulfillment
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Instant IssuingInstant Issuing
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Prepaid IssuingPrepaid Issuing
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User Interface (CATS)User Interface (CATS)
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Falcon/VAAFalcon/VAA
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Managed Real-TimeManaged Real-Time
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Sonar ForecasterSonar Forecaster
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Risk Service ManagerRisk Service Manager
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Visa Secure (ICAS)Visa Secure (ICAS)
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Other Risk ToolsOther Risk Tools
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Dispute SupportDispute Support
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Member SupportMember Support
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Transaction ResearchTransaction Research
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ATM Terminal DrivingATM Terminal Driving
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ATM AdministrationATM Administration
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Surcharge-Free NetworksSurcharge-Free Networks
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ATM System MonitoringATM System Monitoring
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Call CenterCall Center
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Mobile Digital AppMobile Digital App
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Digital Member SupportDigital Member Support
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Omni Channel BankingOmni Channel Banking
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On-demand ReportsOn-demand Reports
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Visual & Data Insights (VDM)Visual & Data Insights (VDM)
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Data AnalyticsData Analytics
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MAP Campaign SolutionsMAP Campaign Solutions
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Visa Campaign SolutionsVisa Campaign Solutions
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ATM CampaignsATM Campaigns
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Single-Point SettlementSingle-Point Settlement
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Daily SettlementDaily Settlement
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Transparent BillingTransparent Billing
Working with industry-leading technology companies and service providers, we leverage core competencies to deliver the most innovative and practical solutions to client credit unions.
MAP Training Solutions
We provide comprehensive training for the life of our agreement with client credit unions. MAP is your first point of contact for all your training, client services and implementation research.
Training Center
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TutorialsTutorials
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User GroupsUser Groups
Visa University
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Visa OnlineVisa Online
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CalendarCalendar
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CoursesCourses
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FAQFAQ
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Payments Report - NewslettersPayments Report - Newsletters
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CUSO News - MAP BlogCUSO News - MAP Blog
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Client Success - Case StudiesClient Success - Case Studies
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Thought Leadership - White PapersThought Leadership - White Papers
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NewsroomNewsroom
Debit/Credit
Debit and Credit Processing Solutions
The MAP Advantage
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.
Authorization Processing
Access and update cardholder information in Real Time
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.
Industry-leading authorization approval rates
A reliable and secure single point of access for our authorization services helps you create efficiencies and deepen consumer relationships. We partner with you to create precise authorization and fraud strategies based on your risk tolerance.
Reduce processing costs
Your credit union's direct connection to VISA DPS enables you to consolidate all of your cardbased authorization processing on an integrated platform—reducing telecommunications costs, eliminating redundant functionality, and streamlining back-office procedures.
Improve authorization decisions
Enhance your authorization decision-making process with information supplied by Visa Advanced Authorization and other authorization parameters— adding security and increased confidence to each Visa payment card authorization.
Optimize your processing system
Optimize the efficiency of your internal resources by allowing Visa to perform various functions such as card verification, address verification, CVV/ CVV2 checking, PIN validation, and expiration date checking prior to routing transactions to your host system for authorization. This allows you to make optimal use of your processing system and resources.
Risk Management
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.
Falcon & VAA Risk Intelligence
MAP’s fraud detection services use Falcon Fraud Manager in conjunction with the Visa Advanced Authorization service, to recognize complex, hidden fraud patterns as well as emerging schemes while minimizing interference with legitimate transactions.
Managed Real-Time / Risk Advisor
Managed Real-Time Decisioning, a real-time rule strategy based on actual performance and configurable for your business. Rather than simply targeting rules to current fraud patterns and trends, our real-time decisioning solution uses multi-faceted risk intelligence data and actual false positive rate performance to determine the most effective real-time decline strategies to help you reduce fraud.
Sonar Fraud Forecaster
Enhance your authorization decision-making process with information supplied by Visa Advanced Authorization and other authorization parameters— adding security and increased confidence to each Visa payment card authorization.
Risk Services Manager
Risk Services Manager (RSM) provides an easy-to-use rules engine to help catch and block suspect transactions.
Visa Secure (ICAS)
Issuer Cardholder Authentication Service (ICAS) is part of a multi-layered risk strategy which seeks to mitigate risk in the Card Not Present (CNP) environment. Authentication occurs prior to the Authorization and uses 3D Secure to assess the risk of a transaction, in real-time, using predictive risk analysis based on enhanced inputs, including device and transaction information and consumer behaviors.
Other Risk Tools
MAP offers multiple authorization options and mitigation solutions to minimize your institution’s exposure to fraud.
Network Gateway Services
MAP offers credit unions World Class plastics and fulfillment
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.
Reduce processing costs
Your credit union's single-point connection to MAP enables you to consolidate all of your card-based authorization, including ATM and POS network activity, on an integrated platform—reducing telecommunications costs, eliminating redundant functionality, and streamlining back-office procedures.
Manage external networks
When you use Network Gateway Services, MAP manages your external network connections including maintaining interfaces, supporting connectivity, and incorporating network upgrades and other mandates—freeing you from these time consuming tasks.
Streamline operations
All network adjustments and charge backs are entered through a PC workstation located at your financial institution, streamlining exception item processing.
Simplify settlement and reporting
Consolidated settlement and network activity reporting simplify daily reconciliation/balancing and enhance information management.
Implement an integrated network strategy
Using MAP's Network Gateway Services makes it easy to implement a comprehensive debit strategy that brings together the essential components of a complete debit program that positions your financial institution for success in the debit marketplace.
Other Risk Tools
MAP offers multiple authorization options and mitigation solutions to minimize your institution’s exposure to fraud.
MAP Plastics
MAP offers credit unions World Class plastics and fulfillment
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.
Instant Issuance
A solution to increase card activation & usage across your membership
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.
Financial Benefits of Instant Issue Cards:
- 82% of instantly issued credit and debit cards are activated, compared with just 50% for mailed cards
- Credit unions can see between $2 to $5 in incremental interchange revenue per active debit card versus those sent by mail within the first 30 days after instant issuance
- A 32% increase in debit card usage
- Average monthly purchase volume per active debit card is $195 higher
Key Features:
The following Instant Issue processes can be completed in real-time when a customer opens a new account:
- Embossing and encoding of cardholder name, card number, and expiration date
- EMV chip personalization
- Encoding CVV and customer-selected PIN
- Rear-indent printing of CVV2 security data
- Card@Once meets all security requirements for EMV and dual interface cards.
Buy Now Pay Later (BNPL)
Offer cardholders BNPL directly from your banking app
Average amount owed by
each consumer using BNPL
each consumer using BNPL
$
0
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:
Notify cardholders of transactions eligible for BNPL:
When a purchase is eligible for a BNPL offer, cardholders will receive a notification directing them to view their offer.
Display an overview of all available BNPL offers:
Cardholders can get an overview of their available BNPL offers, all of which are in alignment with their financial health and goals.
Allow cardholders to select and confirm installment plans:
For each BNPL offer, cardholders can select installment plans, payment methods, and accept in three easy steps.
Enable cardholders to track and manage current and past plans:
Cardholders can view and manage all active plans and access their BNPL history from their trusted digital 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.
Reports & Analytics
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.Â
On-Demand Reporting
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.
Data & Visual Insights (VDM)
MAP data insights provide valuable and actionable information that can be derived from our state-of-the-art data mining solutions, Visa Data Manager (VDM) offers enterprise-level insights for every element in your portfolio by leveraging data you already maintain or use for business decisioning.
Data Analytics
MAP is committed to the success of your card portfolio strategy and will continue to provide a wide array of market analysis. We use consumer research, product analytics and benchmarking tools to support your product development and management activities. Our advanced performance solutions offer your credit union actionable business insights, including the latest trends, proven data-driven services, solutions to grow your card portfolio, and optimized investments to improve performance.
Need help? We’re happy to answer any questions you may have and help you improve your credit union’s card processing services.
