FIS Payments One Credit is a comprehensive, flexible, and modular platform designed to streamline and simplify credit card processing for financial institutions. It addresses key cardholder desires by reducing hassle, simplifying access to account information, accelerating rewards, and minimizing security risks. The platform empowers financial institutions to gain robust control over all their card products and functions, eliminating the need for separate systems for loyalty, fraud protection, card production, and network services. The solution offers digital-first card capabilities, including tokenization, enabling secure digital payments and allowing customers to access accounts and utilize self-service card controls across any device. Integration with other applications is made easy through the FIS Code Connect™ API marketplace, which provides access to a library of over 500 APIs. Proactive fraud management is a core component, leveraging enterprise-wide tools and machine learning to identify and mitigate potential threats and reduce liability. Operations are further optimized through streamlined workflows and a centralized user interface, enhancing visibility and ease of information retrieval. Financial institutions can also leverage meaningful cardholder insights derived from data to understand behavior, improve servicing, and identify cross-selling opportunities. The platform supports broad commercial offerings, including commercial cards, e-payables, and virtual cards, and allows for differentiated repayment plans, such as post-purchase installment loans, to compete with modern payment trends. Its modular design ensures institutions can choose necessary solutions and easily adapt capabilities as their credit business evolves, covering aspects from instant card issuance and comprehensive card management to loyalty programs and outsourced output solutions.

Features & Benefits

• End-to-End Credit Card Processing
  • Provides a robust, modern platform for financial institutions to manage all card products and functions, eliminating the burden of disparate systems for loyalty, fraud, card production, and network services.
• Digital-First Card Capabilities
  • Powers secure digital payments with tokenization, enabling customers to pay, access accounts, and use self-service card controls seamlessly on any device.
• Easy Integration & APIs
  • Facilitates easy integration with other applications via the FIS Code Connect™ API marketplace, offering access to a library of over 500 APIs for secure and scalable development.
• Proactive Fraud & Risk Management
  • Prevents threats with enterprise-wide fraud and risk mitigation tools, utilizing machine learning to proactively identify and mitigate potential fraud and reduce financial liability.
• Streamlined Operations & Insights
  • Offers streamlined workflows with a centralized user interface for enhanced visibility and information access, alongside meaningful cardholder insights to understand behavior, improve servicing, and enable cross-selling.
• Comprehensive Card Offerings
  • Supports broad commercial offerings, including commercial cards, e-payables, and virtual cards, and enables differentiated repayment plans like post-purchase installment loans to enhance competitiveness.
• Modular & Flexible Platform
  • Allows financial institutions to choose necessary solutions and easily add or remove capabilities as their credit business evolves.
• Instant Card Issuance & Management
  • Provides instant card access to encourage activation and use, and supports the entire lifecycle of managed cards with tailored, always-on solutions.
• Loyalty & Rewards Solutions
  • Enables financial institutions to reward the total relationships customers have with them through comprehensive loyalty and rewards program solutions.
• Outsourced Output Solutions
  • Offers outsourced services for card materials, personalization, fulfillment, and web-enabled program management.