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Providing a Consistent Cardholder Experience

It’s peak shopping season, and we’re guessing you’re not out there writing a bunch of checks for gifts and supplies. Those in line behind you thank you. 

This isn’t new information…but it is a reminder that the payments industry has shifted. People are spending and shopping differently, and your ability to reach optimal profitability with your debit program relies on your EFT debit network’s ability to offer a routing alternative on a wide array of debit transaction types. Luckily, we have that covered for you!
Over the past few years, we’ve expanded far beyond PIN POS debit transactions. We've added 
e-commerce, mobile and other debit transactions that accommodate changing consumer behaviors. We’ve also introduced no-verification and signature debit, dual-message functionality, P2P transactions and full disputes support. These additions are calculated, strategic moves designed to offer participants a routing choice on all debit transaction types. This competition can help benefit merchants and financial institutions alike. 
Our commitment to ongoing expansion means your institution has access to alternatives that can improve your income through competitive interchange and low network fees. That said, we want to make sure you’re set up to get the most value from our expanded offerings. 


Your institution should treat PINless and card-not-present transactions from PULSE similar to comparable transactions from other networks. The following tips will help provide a consistent cardholder experience:
  • Use similar cardholder verification methods for e-commerce payments, and other transactions from EFT debit networks that are not verified by a PIN, as you use for similar Discover, Visa and Mastercard debit transactions.
  • Apply the same fraud-monitoring tactics already in place for Discover, Visa and Mastercard debit transactions to e-commerce payments, and other transactions from PULSE and other EFT networks that are not verified by a PIN.
  • Check that you or your processor provides valid responses for CVV2/CVC2 and AVS requests from PULSE. If you’re unable to perform CVV2/CVC2 verification, we have services that can do this on your behalf.  


We’re here to discuss these strategies, or anything else that might be on your mind. Let’s talk!