Why in-House Credit Card Programs Are an Important Tool in Your Marketing Strategy

Financial institutions looking to streamline operations, strengthen portfolio performance and deliver a more unified cardholder experience can benefit from an In-House Credit Card program. Sometimes referred to as credit-on-debit rails or pass-through credit, this model connects your core processor and TransFund, to create a seamless, fully integrated credit card solution within your existing infrastructure.

Why Choose an In-House Credit Card Program

Perfect for migrating an existing portfolio or starting brand new, this solution offers flexibility and scalability. An In-House program simplifies your operations and consolidates key functions. The In-House model offers several distinct advantages:

• Operational efficiency: Simplify your operations by consolidating card functions into a single system. Integrated card ordering and reporting reduces reliance on third-party vendors, removes system redundancy and lowers operational costs.
• Strong service with real-time data: Central reference file integration provides real-time account history at the teller line. Your staff is enabled to resolve cardholder inquiries quickly and accurately. Online and mobile banking platform integration ensures that cardholders have convenient access to their accounts.
• Flexibility and control: Your team maintains control over key program elements and account adjustments working with your core processor to make updates. This flexibility allows you to adapt quickly to market conditions and to align products to your institution’s strategy.

The In-House credit card program is designed to help you grow your loan portfolios by allowing you to retain ownership of receivables.

Program Options to Fit Your Strategy

Your institution can design a credit card program that meets your strategic objectives:

• Network options: Visa or Mastercard
• Product types: Consumer and Small Business programs
• Card types: Choose Contactless or Contact EMV
• Card issuance: Print instant issuance cards in-branch with Card@One® printers
• Program control: Your institution determines rates, underwriting and decisioning

Getting Started is Simple

Check with your core processor to confirm support for In-House credit card programs. Connect with your TransFund Relationship Manager for more details. Not a current TransFund client? Contact us to learn more.