Access Cards
Cuscal has been issuing access cards on behalf of our customers for over 20 years. Today we have over 3 million proprietary debit cards issued on behalf of our customers all over Australia.
Our card suite also gives you access to a range of value-added benefits including our existing relationships with the major card scheme offices, a complete back-office function and a demonstrated ability to get you to market quickly, cost-effectively and efficiently.
The issuing of cards is often seen as one of the most vulnerable areas for your business in terms of customer information. However, because we do not do retail - your business can feel secure in doing business with Cuscal, knowing that your customer intelligence is absolutely secure.
Visa Debit Card
Cuscal holds a 30% market share of Visa Debit Cards in the Australian market. We are the highest value transactor with more than 5 million Visa Debit Card transactions per month, with an average value of $120 per transaction.
With representation on the Visa Executive Committee (VEC) and the Visa Operations Committee (VOC) - Cuscal is able to represent your interests making important contributions to the policy and operations of access cards in the Australian market.
Access to our established systems and processing infrastructure means that development and delivery of a proprietary or a Visa Debit Card can be achieved quickly and cost-effectively. Using our existing product development methods means that minimal resources are required from your business.
The Visa Debit product is one our most flexible and popular products - offering your cardholders the convenience of a proprietary debit card with the utility of a credit card - all while enabling them to access their own funds.
Through our card production systems you are able to feature your own brand on your Visa Debit Card. You are also able to tailor certain product features such as card fees - resulting in additional revenue streams.
Card security is of the utmost importance, which is why we support your Visa Debit Product with a range of support products. Cuscal was the first Visa issuer in Australia to launch Verified by Visa. The Verified by Visa system enables your cardholders to shop securely online with registered merchants using a password.
You will also have access to our online system flagging non-standard transactions and helping you with fraud detection and prevention.
Key features and benefits of the product are:
- Additional revenue stream through interchange fees
- Strong brand recognition of Visa throughout Australia and internationally
- Daily settlement with Visa International and bi-lateral partners
- Monthly transactional reporting
- Card production
- Dispute handling, vouchers retrievals and chargeback processing
- Operational training and advice on Visa rules and regulations
- Marketing support with general Visa campaigns and personalised usage and acquisition marketing
- Representation at Visa executive and operational committees.
Proprietary Debit Card
Cuscal's proprietary debit card enables your customers to access more than 21,600 ATMs and over 500,000 EFTPOS terminals Australia-wide. By issuing a PLUS branded proprietary debit card your customers are also able to access their funds using more than 1 million ATMs in 150 countries.
You are able to white-label your proprietary debit card to feature your own branding. As a result of our aggregated card production service, we are able to produce small card quantities at cost-effective prices.
Key features and benefits of the product are:
- Daily settlement for all EFTPOS and ATM activity
- Stand-in transaction authorisation
- Transaction dispute handling
- Card production and distribution
- PIN production and distribution
- Staff training and user manuals
- Representation at APCA management committee for EFT payments