Transaction Management

CardSmith provides the market’s only professionally managed Transaction Management solution for campus cards, powering programs nationwide from a state-of-the-art processing center that eliminates the need for proprietary local systems and software. We configure a custom processing solution for each client supporting any number or combination of dining plan, flexible spending, declining balance or other specialized accounts or purses for an unlimited number of cardholders and accepting locations. Every CardSmith client benefits from value-added features and options including instant on-line value transfer, on-line cardholder account access, off-campus merchant acceptance, and fully-automated funds settlement. With CardSmith, there are no systems to install, no specialized staff requirements, no software licensing or maintenance fees, no mandatory upgrades and no arbitrary price increases customary with campus card systems.

FULL SERVICE SOLUTION

CardSmith manages all system and database configuration, maintenance, backup, and ongoing processing operations for every client we serve, eliminating a major cost and operational burden for campuses. Set-up and launch are streamlined by pre-configured IP, wireless and dial-up terminals that communicate out-of-the-box with our processing center from virtually any location on or off-campus. CardSmith makes it easy to provide service across multiple campuses, and to have reciprocal card acceptance with neighboring campuses. All terminals can accept credit and debit cards, as well as campus ID cards, creating a truly enterprise-wide card acceptance solution. What’s more, CardSmith’s high-performance service model costs less than managing a proprietary card system – at least 50% less for most campuses.

• On-Demand Processing Power
• Customized Transaction Processing Rules
• Dining/Discretionary/Specialty Accounts
• Meal Pass Plans and Equivalency
• Automated Funds Search Path
• Real Time Balance Updates
• Unlimited Number of Cardholders
• Unlimited Accounts per Cardholder
• Unlimited Number of Accepting Locations
• IP, Wireless & Dial-Up Card Readers
• Rapid Program Implementation
• Minimal Campus Networking Requirements
• Seamless Off-Campus Processing
• One or Multiple Campuses
• Reciprocal Acceptance with Area Campuses
• Optional BankCard Acceptance at Any Terminal

CardSmith supports a complete range of on-line card transactions both on and off-campus, including:

• Multi-Location Dining POS
• Bookstores
• Campus Retail Stores
• eCommerce
• Vending Machines
• Laundry Controllers & Machines
• Copy Machines
• Print Release Stations
• Off-Campus Merchants
• Wireless & Wi-Fi Applications

All transactions are authorized and processed real-time and cardholder balances are updated real-time. Funds transferred via credit/debit card are immediately available to cardholders.

• Complete System & Database Administration
• 24/7 System Monitoring
• Custom Processor Configuration
• Cardholder Data Import
• Cardholder Account Set-Up
• ISO Number Range Assignment
• Balance Load/Transfer
• Transaction Authorization
• Cardholder Account Management
• Regular Enhancements/Upgrades
• Web Administrative Interface
• Scheduled and Ad Hoc Reporting
• Global Terminal Software License

CardSmith’s systems are hosted in a professional transaction processing center supporting national bankcard and stored value processing alongside our custom campus card system. Multiple redundant servers operate in parallel to ensure maximum up-time and support a virtually unlimited number of cardholders and terminals. Our systems are monitored 24/7 and backed-up daily. Data security procedures are regularly audited to ensure compliance with the most stringent national standards, including both PCI and SAS 70.

• National Processing Center Features:
• Professional Financial Data Center
• 24/7 Staffing & Monitoring
• 100% System Redundancy
• 100% Transaction Encryption
• Fraud Detection and Control
• ISO/ABA Standard Message Formats
• Customizable Daily Spending Limits
• Customizable Transaction Type Spending Limits
• SAS 70 and PCI Compliance

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