Integrated Debit Services
A single-source solution

Western States Card Services offers the first truly integrated debit card solution. Our program combines your ATM card with the purchasing power of VISA, to provide you with the competitive edge and convenience that your customers demand.

A Complete Debit Solution

• ATM terminal driving
• PIN-secured and signature debit card processing
• Gateway network management
• Fraud prevention services
• Robust reporting and management tools
• Comprehensive marketing programs and industry research

Fraud Research and Investigation
Our Fraud Research and Investigation product enables you to combat fraud effectively while keeping your overall costs down. Our security systems are continuously updated to provide superior data gathering, state-of-the-art computer support and comprehensive fraud reporting.

• Review questionable cardholder activity

• Post appropriate adjustments to accounts

• Exhaustive review to chargeback fraud transactions

• Investigation to determine the perpetrator of the fraud activity

• Ordering copies of sales drafts for chargeback recovery and investigations

• Chargeoffs

• Fraud reporting

Signature Debit Processing Risk Management

• Fraud Risk Identification Service

• Identifies 40% - 60% of all fraudulent transactions

• Online host authorizations

• Comprehensive online fraud and risk management

• Card Activation Program

• CVV/CVC

• Address Verification Service

ATM Driving and Monitoring
End-to-end ATM transaction processing, which includes terminal driving, network/ATM/telecommunications
monitoring, authorization and routing to all major gateway connections.