Financial Crimes & Fraud Risk
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Financial Crimes & Fraud Risk
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compete with modern credit card processing programs

Our credit card platform provides seamless credit card transaction processing with the feature-rich functionality to offer highly competitive, customizable, and scalable programs.

Customer making a credit card payment in a bakery

top-of-mind, -wallet, and -app credit programs

Credit card programs are an important source of recurring revenue and a high-demand financial service.


highly competitive card programs support accountholder retention goals

To build loyalty in a market flooded with rewards programs, you must offer unique, appealing, personalized rewards programs that motivate card use.


multilayered security scores 100% of card transactions in real time

Our mobile app provides self-service cardholder controls inside the digital channel and sophisticated analytics tools convert card data into actionable insights.

credit card transaction processing and program solution offerings

We help banks and credit unions increase card adoption and usage with a variety of marketing campaigns and programs.

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Simplify operations and reduce operating costs with a modern, feature-rich cards platform

We simplify operations, reduce operating costs, and improve program performance by leveraging integration with Jack Henry core and digital solutions as well as third party digital platforms with 100% pass-through of interchange.

Full service, in-house, and agent processing

Jack Henry supports diverse credit issuers with full-service processing, in-house processing with the financial institution performing most card functions with Jack Henry providing card network connections, daily settlement, and posting files; and a proven agent program in conjunction with The Independent Bankers Bank.

Launch new credit card programs or modernize existing ones with expert guidance

Diverse banks and credit unions can launch highly competitive credit card programs and improve the profitability of existing programs with fully customized consulting engagements that maximize the potential of consumer and commercial credit card programs.

Provide seamless, frictionless credit card issuance and management

Modern card issuance and management solutions support digital wallets, flexible card production and personalization, convenient card activation, and cardholder self-service controls inside the digital channel.

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Provide card management inside the digital channel

Our cardholder controls, which can be implemented as a standalone app or embedded in mobile banking platforms, provide complete self-service management including the capabilities to set spending and geographical limits, establish alert and transaction rules, and more.

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Competitive rewards elevate card programs

Offer meaningful, highly customized rewards programs that motivate cardholders to keep your credit cards top-of-mind, -wallet, and -app. 

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Identify suspicious transactions and fraud patterns as they occur

Our credit platform leverages multilayered fraud detection and prevention solutions that score 100% of card transactions in real-time and leverage multiple communication channels including text, email, and auto-dialing which generate industry-leading cardholder response rates.

Data-Driven Insights into Card Fraud Mitigation and Management

Proven advisory services provide data-driven insights into fraud mitigation and management based on comprehensive analysis and card-related data, industry best practices, and dynamic regional and national fraud trends.

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Aggregate and convert card data into growth-enabling insights

Our sophisticated analytics tools enable you to fully understand card program performance by converting credit card data into actionable insights that support dynamic, data-driven strategies for increasing cardholder engagement and growth opportunities.

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Expert-rich consulting engagements identify targeted marketing and growth opportunities

Our advisory services leverage industry best practices and cardholder, transaction, and peer analysis to identify opportunities and develop strategies for growing credit card portfolios, increasing card usage, and driving interchange revenue.

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Increase card adoption and drive usage with marketing support and resources

We can help you increase card adoption and usage with free, unlimited access to marketing campaigns and materials that can be easily customized for new card programs and program features, ultimately driving enrollment and ongoing usage.

End-to-end dispute and chargeback services that help resolve credit transaction disputes on behalf of issuers

Complete dispute and chargeback services resolve credit transaction disputes on behalf of issuers. Jack Henry’s experienced professionals leverage an end-to-end process that enables a final disposition based on thorough investigations of each claim with merchants or businesses.

8 ways to increase interchange income

Learn proven ways to increase interchange, a vital component of overall financial performance.

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Find solutions that give you a competitive edge