Western States Card Services

Products and Services / Benefits

Western States Card Services is unique in that our focus is on community financial institutions, with a genuine interest in the success of our clients. We do not compete against you for your business relationships; we are your partner in obtaining and retaining them. Our goal is to provide the assistance, support, and education for you to compete and be profitable. While others offer similar products and services, our commitment to service excellence and ongoing education puts us one step ahead. We are one of the few organizations dedicated to the community financial institution that allows ownership of the portfolio by the financial institution. Through our partnership, your success is our success.

Processing Opportunities

Card Issuing

MasterCard Standard, Gold, Business, Platinum
Visa Classic, Gold, Business, Platinum
Debit MasterCard and Visa Check Card
Visa and MasterCard Purchasing, Commercial Cards
Affinity Cards, Co-Branded Cards
Stored-Value Visa Gift Cards and Private Label Cards
eCustomer Service
Travel & Rewards Program

Merchant Processing

Visa
MasterCard
American Express
Discover
JCB
ATM
Valutec Merchant Gift Cards
Web-based Merchant Applications and Reporting

Systems, Products and Services

Our clients receive state-of-the-art front and back-end processing options.

An array of value-add and front-end authorization and capture products is provided through our processing, service, and product partners:

First Data Corporation (Omaha, Nashville, Concord, and North platforms)
Star Network
TSYS Acquiring Solutions
Apriva Wireless
Valutec
TeleCheck
Consumer Benefit Services (CBS)

We are dedicated to the negotiation of processing contracts with only those suppliers with superior product, systems, and support. Minimum fee requirements are met and reduced pricing is offered due to the collective volume of our client base.

Program Management Options

You choose how you want to design, structure, and price your portfolio. Or, allow WSCS to purchase your portfolio and enhance your visibility while keeping your operating costs and liability at a minimum.

No Liability Program (Carholder and Merchant)
WSCS offers turnkey, no liability Associate programs for both carholder and merchant portfolios. We provide you with a risk-free environment with no additional staffing concerns.

Dedicated support representatives.
Application generation and approval
Supports a wide variety of merchant applications, terminals, and computer software.
Comprehensive fraud detection and prevention.
Carholder marketing support.
Ability to retain ownership of your Merchant or Card program.

Principal Cardholder and Merchant Programs

Complete portfolio management programs, providing you the option to outsource the day-to-day operation and management functions of your card and /or merchant portfolio.
Reduces overhead expense
Financial Institution can focus on growth, retention and profitability

Self-Management Program
Manage your merchant and/or card program at your Financial Institution. We provide:

Full processing services
Value-add products
Employee Management and Training Programs
Consultative Servicing

We do not compete against you for your customers' banking business!

Value-add Products for Portfolio Growth and Retention

Western States Card Services allocates funds to cover the up-front expense of new product offerings. We provide an array of value-add products and services that will attract new accounts, increase customer loyalty, reduce attrition and increase purchase volume for both issuers and acquirers.

Fraud Prevention and Management

Fraud Management and Investigations
Superior Fraud Prevention through HNC Falcon
Real-time Merchant Fraud Monitoring

Portfolio Consulting

On-site call programs are provided through experienced local representation. Each Business Development representative is an industry professional who lives and works in the community and is assigned to work closely with each client to gain a thorough understanding of their needs, resources and business objectives.

Marketing/Account Retention
Portfolio Profitability and Growth
New program and/or product implementation

We are experts in the industry!

Management and Employee Training and Education Program

Training and educational programs are available to WSCS client on all topics; the Industry, processing options, operational and management functions, and profitability and portfolio management. Seminars and workshops are scheduled throughout the year. Additional on-site training is also available.

Marketing Support