Transaction Solutions


Overview

CardSmith’s innovative “SaaS” transaction solution brings state-of-the-art performance to campus and closed loop card programs without the cost or operational complexity of local systems, hosting or administration. The service is flexible and configurable for customer-defined meal plans, declining balance accounts, specialty accounts and custom applications.   There are no systems or software to install, no complex operations to manage, no licensing, maintenance or 3rd party interface fees to pay, and no mandatory upgrades or arbitrary price increases.  Every transaction cardholders make - on or off-campus - is authorized and settled by one professionally-managed system and it’s a dramatically, faster, simpler and smarter way to build and manage your card program.

Service Features

CardSmith offers unlimited, on-demand processing power and mission-critical feature functionality for campus and closed-loop card programs.

  • Customized Plans & Processing Rules
  • Dining / Discretionary / Specialty Accounts
  • Meal Pass Plans and Equivalency
  • Automated Funds Search Path
  • Real Time Authorization & Balance Updates
  • Unlimited Plans and Combinations 
  • Unlimited Number of Cardholders
  • Unlimited Accounts per Cardholder
  • Unlimited Number of Accepting Locations
  • Seamless Off-Campus Processing
  • One or Multiple Campuses
  • Reciprocal Acceptance with Area Campuses
  • Rapid Program Implementation
  • Minimal Campus Networking Requirements

Administration & Security

Professional monitoring, management and data security is included with our service.

  • 24/7 Staffing & Monitoring
  • 100% System Redundancy
  • 100% Transaction Encryption
  • Full Daily Data Back-Up
  • Daily Off-Site Data Storage
  • System & Database Administration
  • Regular Enhancements/Upgrades
  • ISO/ABA Standard Message Formats
  • Global Terminal Software License
  • Customizable Spending Limits
  • SAS 70 and PCI Compliance

On-line Account Center

Secure, convenient access to all card accounts for students, parents and other stakeholders. Market-leading functionality seamless with the transaction system.

Key Features:

  • On-line Registration
  • Secure User Log-in
  • Secure Account Activation
  • Real Time Balance Display
  • Real Time Transaction History
  • Store & Manage Preferences
  • Create Guest/Parent User Account
  • Suspend and Re-activate Lost Card
Optimize your account center solution by integrating - On-line Value Transfer Service – Bankcard acceptance powered by CardSmith’s Fast Authorize service, right into your card program’s web site.  Real-time transactions automatically update cardholder account. Quick Add Value for Guests and Recurring Allowance Feature included.

On-line Reporting

On-line, real-time access to a powerful, interactive reporting system and full library of report templates.  Authorized users can perform instant on-line queries, schedule regular reports for email delivery, and download data to spreadsheet or other programs.

  • View Scheduled Reports
  • Create Ad Hoc Queries
  • Schedule New Reports
  • Access Reports Library

Administrative Access

On-line, real-time access to all administrative functions that puts the transaction system at your fingertips.  Authorized users have real-time access to view accounts and perform any administrative transaction.  Key features include:

  • Add Cardholders
  • View Account History
  • Add or Change Meal Plan Accounts
  • Post Payments
  • Post Debits
  • Activate Accounts
  • Suspend Accounts

ACH Settlement

Automated daily ACH payment service for on and off-campus merchants.  Managed and executed by CardSmith.  Available for individual merchants, locations or profit centers.

  • Automated daily ACH settlement
  • Merchant/Terminal Groups
  • Daily Automated Payments
  • Monthly Statement
  • Monthly Royalty Payments

Applications

Full range of capabilities and card-acceptance solutions for a cashless campus (and off-campus).

  • Dining Unit and Flex Plans
  • Bookstores
  • Retail Locations
  • Vending Machines
  • Laundry Rooms
  • Copy Machines
  • Print Management Solutions
  • Integrated Copy/Fax/Scan/Print
  • Wireless Terminals
  • eCommerce

Integrated Terminals & Software

Comprehensive portfolio of open-architecture terminals from industry leading suppliers.  Each fully-integrated and certified with the CardSmith transaction system for plug-and-play installation.

  • Vivonet/Halo
  • Agilysis/Infogenesis
  • ITC Systems
  • PCounter
  • PaperCut
  • Pharos Systems’ Uniprint solution
  • GoPrint
  • Verifone
  • Hypercom
  • Magic/Dejavoo
  • Sharp
  • DataCap Systems
  • Akademos
  • Diningin.com
  • Vision Database Systems