OneBridge > Credit Union > Card Processing Suite

OneBridge enables in-house credit and debit card programs for credit unions and banks.

OneBridge credit card gateway and debit card gateway processing services give you more control.

Contactless payments increase card usage and cardholder satisfaction by providing a quick and convenient payment method at the places where a rapid checkout is wanted.

With Visa payWave contactless cards, your cardholders simply wave their card in front of a secure contactless card reader at the time of checkout, rather than swiping it. A tiny radio transmitter chip embedded in the card sends the payment information wirelessly over an extremely short distance to a contactless reader. The rest of the payment transaction process is handled in the same way as a magnetic stripe read transaction.Cardholder Benefits Cardholder benefits include increased convenience and speed. Your cardholders will be able to move quickly through checkout lines at participating merchants. They will also have a feeling of increased security since they don’t have to hand over their card for the card data to be read. Issuer Benefits Issuer benefits include an opportunity to increase cardholder usage of your card in cash-heavy and small ticket payment environments by making the payment experience easier. And, you will be increasing your interchange income. Adding contactless functionality to your cards also enhances your differentiation opportunities. You will be offering an innovative credit or debit (signature based, non-PIN) payment tool that can help with cardholder acquisition and retention efforts. Branding and Acceptance Marks Branding and acceptance marks have been developed to make it easy for your cardholders. Visa has adopted a Contactless Indicator to serve as an indication for contactless payment functionality on cards and terminals. The Indicator is shown on the front or back of the contactless card and on the contactless Point of Sale (POS) reader. It was designed to communicate contactless functionality effectively, while minimizing the space it requires on the card.
Risk Management Services Risk management services at OneBridge include validation of the contactless card Dynamic Card Verification Value (dCVV). A Card Verification Value (CVV) is a security feature of credit and debit cards that increases protection against card fraud. dCVV is a unique Card Verification Value (CVV) generated for each transaction at the cardholder level during contactless transaction processing.
Card Generation Card generation is simplified by our high touch implementation services. We’ll guide you through the entire process of ordering contactless card stock and issuance of the cards.Implementation Implementation with OneBridge doesn’t stop with the physical cards. Our staff will help you with your internal and external communication plans. We’ll provide cardholder marketing guidance so you will be well positioned to effectively communicate this great new functionality to your cardholders.