Transaction Management

CardSmith provides the market’s only professionally managed Transaction Management solution for campus cards, powering programs nationwide from a professional data center with rigorous information security standards and built-in redundancy. Clients simply tap into the system for an “on-demand” campus card transaction processing solution customized to individual requirements. We configure processing logic for 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. Services, applications and accepting locations can be added on-demand.

There’s no local hardware or software to install and no specialized training or personnel required. We provide transaction-ready terminals for the full range of card-accepting locations, dining venues, bookstores and other retail, vending machines, laundry rooms, printers, copiers, off-campus merchants, and more. Every card transaction your students or patrons make on or off-campus - is authorized and settled by one system, from one database that’s available to you on demand, from anywhere. You have 24/7 access to the system and everything about your card program.

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 opportunity.

• Unlimited, 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
• Seamless Off-Campus Processing
• IP, Wireless & Dial-Up Card Readers
• One or Multiple Campuses
• Reciprocal Acceptance with Area Campuses
• Optional BankCard Acceptance at Any Terminal
• Rapid Program Implementation
• Minimal Campus Networking Requirements

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 / Transfer / Loading
• Transaction Authorization
• Cardholder Account Management
• Regular Enhancements/Upgrades
• Web Administrative Interface
• On-Line Reporting System
• 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 via secured tape storage. Data security procedures are regularly audited to ensure compliance with the most stringent national standards, including PCI. Transaction type and daily spending limits are customizable for enhanced security.

• 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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