Card Services

Deliver superior customer experience while reducing costs with our Card Services.

Our cards solutions offer back-office and Omni channel customer contact center services,
backed by decades of experience and a partnership with a technology provider for a Card Disputes Solutions.

We help card issuers achieve:

  • 35% cost savings
  • Over 98% quality delivered consistently
  • 30% faster turn times

Powered by over 20 years of experience in card related services, our services are trusted by card issuers, including 2 of the top 20 U.S. Banks, merchant acquirers, and a top 5 chargeback management firm.

Our professionals annually support: Underwriting of 60K credit card applications, indexing of 75K business card applications and processing over 1.5M disputes./p>

Card Initiation & Servicing | Card Disputes | Merchant Services | Contact Center Services

Card Initiation & Servicing

Pre-processing support (Indexing, data entry)

  • Data extraction and digitization of documents in the card application & servicing areas.

Application review/processing

  • Verification of documents in credit card applications for underwriting purposes.

Credit card underwriting

  • Check information like DTI, FICO score, fraud alerts, tradelines, collections, bankruptcy and account details for secured and unsecured cards and provide the final decision (Approval & Decline) on the card based on underwriting guidelines.

Business card booking

  • Verify data on the card processing system with the associated documents for booking business cards

Card Disputes

Pre-processing support (Indexing, data entry)

  • Data extraction and digitization of documents in the card application & servicing areas.

Application review/processing

  • Verification of documents in credit card applications for underwriting purposes.

Credit card underwriting

  • Check information like DTI, FICO score, fraud alerts, tradelines, collections, bankruptcy and account details for secured and unsecured cards and provide the final decision (Approval & Decline) on the card based on underwriting guidelines.

Business card booking

  • Verify data on the card processing system with the associated documents for booking business cards

Merchant Services

Merchant deal boarding

  • Set-up of new merchants based on received applications. Indexing and data extraction, verification of information for onboarding merchants.

Merchant disputes

  • Resolution of disputes based on documents received from cardholders and merchants. These are done on behalf of Payment Processors using Association guidelines.

Merchant maintenance

  • Managing all maintenance to merchant accounts for processors/ acquirers or issuers, based on customer received requests.

Merchant downloads

  • Integrating the physical POS terminal equipment or internet payment gateways into the payment processing network to facilitate e-commerce.

Pricing adjustments

  • Making pricing changes on Merchant accounts based on service requests.

Basic underwriting

  • Validating the worthiness of new merchants being onboarded based on a set of criteria to support final approval.

Transaction research & rekey

  • Researching requests based on any changes required by the merchants in contracts or erroneous processing; including financial adjustments to the accounts.

Scan & image matching

  • Matching images sent in for Disputes / Fraud evaluation and attaching them to appropriate accounts / folders.

Contact Center Services:

Collections

  • Inbound & outbound early-stage general collections

Bankcards/credit cards

  • Inbound calls supporting requests like balance & funds transfer, card replacement, block cards, lost & stolen and dispute intake.
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