Latest News & Updates

Managing Visa Disputes during COVID-19

Visa implemented a COVID-19 Dispute Monitoring Program that will help maintain the dispute process by reducing the number of invalid disputes initiated into the system. It will monitor daily dispute volumes with a focus on consumer-related disputes. The system will monitor the following: Dispute volumes for airlines, entertainment, lodging, transportation, and travel services. A dispute […]

Phishing Attempts Increasing due to COVID-19

Phishing is the attempt of stealing a person’s data by a fraudster, mainly login credentials and card information. Fraudsters will then use this information to perpetrate fraudulent transactions. They will often use social media or information bought on the Dark Web to initiate scams. Fraudsters will use information from social media to make the scam […]

Advantage Network COVID-19 Response

Some Advantage staff are currently working at remote locations; however, we are still fully operational. At this time, card production is proceeding normally. Please contact Advantage at 605-335-5113 or [email protected] One of our staff will be available to assist you during normal business hours (Monday through Friday, 8am to 5pm CT).

Visa Perks and Benefits for all Advantage Cardholders

Advantage Checkcards are Visa branded, providing access to a wide variety of discounts and deals including travel, food and wine, dining, shopping, sports, entertainment and more. There’s also information to help cardholders improve their personal lives and businesses. Promote these programs to your cardholders to increase loyalty and spend! Visa Perks are easy to browse […]

Allpoint Tranx Service Fees – Action is Required

All Advantage cardholders can make withdrawals at Allpoint ATMs surcharge-free. The Advantage Network recently became aware of a programming change that eliminated the opportunity for some of our member institutions to charge a service fee to their cardholders for Allpoint transactions. Advantage and FIS have determined a resolution and need your input before we move […]

Mitigate Fraud with Cardholder Alerts

The best fraud mitigation tool available is an educated and engaged cardholder. Signing up for transaction alerts, avoiding scams, shopping safely online and keeping personal information safe are all essential measures needed to mitigate fraudulent transactions. Below is a link to a table that provides information about the five alerts products available through Advantage. Two […]

Help cardholders avoid surcharge fees

When a cardholder uses an ATM that is not part of the Advantage, InBalance or Allpoint networks, they are usually charged a surcharge by the ATM owner. These fees can range from $1 to $6 but could run as high as $30, depending on the transaction and how the ATM owner assesses the fees. Educating […]

eCommerce Best Practices

Debit eCommerce is expected to grow 140% through 2021 and issuers have an outstanding opportunity to encourage debit usage by creating a positive experience for cardholders. Here are six best practices offered by Advantage and Visa to help you develop an effective eCommerce strategy.   1.    Set the foundation   At account opening, help cardholders […]

SecurLOCK: Maximize Cardholder Experience

SecurLOCK Fraud Management is an FIS Global product that provides industry-leading fraud mitigation tools. SecurLOCK monitoring is applied to all Advantage card products and all card activity including ATM, PIN Debit and signature transactions. There are two foundational products in the SecurLOCK suite of products: SecurLOCK FRAUD MONITORING AND CASE CREATION When one or more […]

Potential Cyber Activity from Iran

There has been some concern raised about the possibility of increased cyber activity from Iran in retaliation of the airstrike that killed the Iranian general on January 3, 2020. FIS has a Global Rule already implemented blocking all transactions from Iran due to OFAC (Office of Foreign Assets Control) sanctions. Also, activity from Iran should […]

Fuel Pump Fraud Mitigation

Approximately 1.3 percent of total U.S. payment fraud occurs at fuel pumps. The gas station can be a popular first stop for fraudsters because they can test stolen or counterfeit cards without the risk of facing an employee. Research shows that when prompted to go inside a store to complete a transaction, most criminals will […]

Vendor Management Documents

Please contact Teresa Ulven, Advantage Network Manager at (605) 335-5112 or [email protected] to request Vendor Management documents and information.

Advantage User Guide Updated

Two sections of the Advantage User Guide have been updated: ATM Services and ATM Cash Balancing. Updates include additional detail to instructions as well as the ATM Cleaning, Security and Compliance Checklist. The Advantage User Guide – which also includes the updated Table of Contents – was mailed to member institutions July 26th. Please contact […]

What is a Person-to-Person (P2P) Payments App?

A P2P payment app is a service that allows one user to send money to another using an app or website. P2P apps are linked to your deposit account or through your debit card. Payment apps include PayPal, Venmo, Cash and many others. Transactions include anything from splitting a dinner bill, to paying rent, or […]

Visa SRC to replace Visa Checkout

Starting in September in the United States, Visa will transition Visa Checkout to Visa Secure Remote Commerce (Visa SRC). Visa Checkout is Visa’s current mobile wallet that allows a cardholder to register a card they can access when making an online purchase. The online wallet makes the checkout experience easier and faster for the cardholder […]

Signature/Credit vs PIN/Debit transactions

Advantage ATM & Checkcards are accepted worldwide for purchases in person, online, in-app and by telephone; wherever Visa is accepted. When a cardholder makes a purchase at a merchant, they may be asked to authorize the purchase with a signature or PIN. In many Point-of-Sale (POS) scenarios, the cardholder is not immediately presented with a […]

Important Updates to Verified by Visa

Verified by Visa, an added layer of security for e-commerce transactions, has been rebranded as Visa Secure. One-time Passcode, the second phase of the 3D Secure 2.0 upgrade, will be implemented on June 1, 2019. Please read the attached memo for details. VbV-3DS-Visa Secure Update

Visa No Longer Requiring Signed Dispute Forms

Visa has updated their dispute process and no longer requires a cardholder signature on the dispute form when submitting the dispute. It is important, though, to still obtain as much information as possible that pertains to the dispute to increase the possibility of the dispute being successful. You may still have the cardholder sign a […]

ATM Skimming: Actions You Can Take to Protect Yourself

Do a quick scan. Before using any machine, take a look to make sure it hasn’t been tampered with. If the card reader seems loose, crooked or damaged, if the graphics aren’t aligned, or if part of the machine is a different color, don’t use. If there is another machine nearby (such as two ATM […]

New Advantage Brochures Available!

Advantage currently has two versions of our cardholder brochure available: the first is the preprinted brochures we introduced in 2018. The second is a print-ready, high-quality PDF you can send to a printer or print in-house. The brochures are available for ordering from the “Advantage Store.”  both brochures are free; just pay shipping for the […]

International Lost/Stolen Card Number

The new international lost/stolen card number is 1-501-748-8537. Cardholders must first dial the “exit” code of the country they are in.

Social Media Solution Introduced

Social media has become a mainstream marketing and communications tool. In fact, studies have shown that it’s probable that your cardholders already have used social media to research or discuss your institution. Whether you are actively using it to market or not, you are participating in social media. If your institution has not yet defined its social […]

Bring Real-time Payments to Your Cardholders

Attract and retain a younger demographic. Increase cash flow for business accounts. Implement tokenized transactions. Explore the possibilities available with the FIS “Real-Time Payment Incubator.” For financial institutions, revenue is realized from increased card-based payment volume and operational expenses are reduced as other payment methods are streamlined or replaced. FIS Global, the processor for The […]

Tips to mitigate online fraud

Counterfeit card fraud has decreased by 66% as more merchants accept – and more cardholders use – Chip cards. However, in response, online fraud has increased 26%. How can a financial institution mitigate online fraud for their cardholders?  50% of fraud is found by the cardholder. Help them reduce the chances of fraud on their […]

Cardholders to See Changes at POS

Here are some new scenarios that might be encountered by Advantage Checkcard holders for transaction authorization and posting: The merchant terminal may ask for a signature but route the transaction to a PIN debit network. When a cardholder is given the option to choose “credit,” the transaction may not be routed to Visa. And, a […]

VRU Updates Improve PIN Security

The VRU is an automated system that handles card activation and PIN changes via the telephone. When a cardholder calls the VRU to change their PIN, the VRU will prevent the cardholder from selecting a new PIN that has repetitive digits (e.g., 1111) or sequential digits (e.g., 1234 or 4321) or that matches the last […]

Checkout Fees Not Allowed on Debit Cards

Effective January 13, 2018 surcharges (“Checkout Fee”) on credit and debit card transactions in the European Union are prohibited. In the United States, confusion about checkout fees still lingers; here are some facts you should know: 1.  The surcharge only applies to credit cards; it does not apply to debit cards (Advantage Checkcards for example) or prepaid cards (gift […]

Cash Popularity and Your ATMs

Contradicting proclamations that the world will become cashless and fully digital in the near future, cash is still the most commonly used form of payment according to the Cardtronics 2017 Health of Cash study: Cash and debit are more frequently used for in-store purchases. People still mostly prefer to give and receive monetary gifts with […]

Charitable Giving Webinar Slide Deck Available

On February 13, 2018, Advantage hosted a webinar about the FIS Charitable Giving platform; here is the slide deck:  FIS Charitable Giving Deck 2018. Increase cardholder loyalty and engagement with this integrated giving solution that empowers your cardholders to give through an easy-to-use online portal. For more information contact Brady Daly with The Advantage Network at 605-335-5192 or […]

SecurLOCK Webinar for Advantage Members

Advantage recently hosted a webinar to discuss the SecurLOCK Fraud Management Suite. Click Here to view the presentation to learn more about protecting your cardholders while decreasing false positives. There are two foundational products in the SecurLOCK suite of products in which all Advantage member institutions participate, SecurLOCK BLOCK and SecurLOCK Communicate. In this presentation we discussed these and other optional […]

Charitable Giving: Help Cardholders Make Sound Decisions

About 40 percent of all donations are made in the last few weeks of the year, according to nonprofit rating site Charity Navigator. Here are more statistics about charitable giving: The 2000 Social Capital Community Benchmark Survey shows that households with incomes below $20,000 gave 4.6% to charity. The other income levels with the most […]

Cardholders Can Mitigate Fraud, too!

Fraudsters use a number of methods to obtain card information: phishing, vishing, skimming, and malware for example. They then use the information to make fraudulent transactions by creating counterfeit cards or making online purchases. Although we can’t prevent compromises, the good news is Advantage Checkcards are covered by several layers of security to mitigate fraudulent […]

Cash Flow and Expense Management for Small Businesses

Small businesses (fewer than 500 employees) account for 99.7% of all businesses in the US. About two-thirds of new businesses survive two years, half will survive five years, and one-third will survive 10. Poor cash management accounts for 82% of business failures and cash flow is a “continuing” problem for one in five small-business owners. […]

Allpoint Surcharge-Free ATM Network Updates

Spring Break, camping season and folks headed north for the summer; remind your cardholders they have surcharge-free access to more than 55,000 Allpoint ATMs around the world! Allpoint ATMs are surcharge-free to all Advantage cardholders. Allpoint has a website dedicated to financial institutions which includes free marketing material such as graphics, newsletter articles, digital collateral such […]

Business Checkcards make purchasing fast and easy!

Business Checkcards can be used for equipment, monthly utility payments, office supplies, and more! Business Checkcard holders have access to account funds at over a million ATMs and millions of merchant locations. Several cards can be ordered for each business, allowing employees access to company funds without carrying the business checkbook. Each employee will have […]

Advantage Fraud Rate Lowest of All Visa Debit Issuers

One of the reasons Advantage has such a low fraud rate is that we process disputes for all members in our network and receive all fraud notices. Because of this we are able to see fraud trends and common points of compromise before an individual institution would be able to spot them. In addition, Advantage offers […]

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