Latest News & Updates

FIS Fraud Forum Recording Available

Fraud continues to evolve as perpetrators saturate the financial industry with new and innovative ways to bypass prevention measures. Each quarter, FIS presents a discussion on fraud trends, mitigation solutions, industry data and more. The April 24 forum included an overview of the upcoming Fraud Product roadmap and a discussion of the fraud trends observed […]

Direct Access to CMSe will not be available after May 21

As a security enhancement, CMSe (Cardbase) will be accessed only through the Web Application Portal. To access the Web Application Portal, use this URL https://portal.efdservices.com/efgportal/Portal/login and save it to your favorites. After May 21, 2019 you will not be able access CMSe directly. In addition, users should use the Web Application Portal to access StarView for […]

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 […]

Welcome, Kirsten!

Greetings! My name is Kirsten Church and I am the new Advantage Network Supervisor. I look forward to understanding your needs to continue to improve EFT Services, Marketing, and continuing to provide the highest level of customer service. Our goal is to grow our services offered to you and to ensure your institution is offering […]

New Advantage Brochure Available!

We are pleased to announce that the updated Advantage brochure is ready for distribution! This is a great asset to use as a training tool for new employees and as a reference for new cardholders. The brochure is available for ordering from the “Advantage Store.”  The brochure is free; just pay shipping!

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 […]

Checkcard Marketing Campaign Announcement

Would you like to encourage your cardholders to swipe their cards more? Would you like to reward those cardholders who conduct more transactions? The Advantage Network and Debit Insights have worked together to bring you a comprehensive turn-key marketing campaign to increase usage in your low-transaction cardholders. The campaign will focus on cardholders who perform […]

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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