Our credit card platform provides seamless credit card transaction processing with the feature-rich functionality to offer highly competitive, customizable, and scalable programs.
Our mobile app provides self-service cardholder controls inside the digital channel and sophisticated analytics tools convert card data into actionable insights.
We help banks and credit unions increase card adoption and usage with a variety of marketing campaigns and programs.
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.
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.
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.
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.
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.
Offer meaningful, highly customized rewards programs that motivate cardholders to keep your credit cards top-of-mind, -wallet, and -app.
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.
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.
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.
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.
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.
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.