Credit Cards

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Portico offers the following credit card services:

Credit Card Integration Payments and Advances

Credit Card Integration Payments and Advances allows you to view balances on Portico and apply payments and credit card cash advances online that are transmitted back to the credit card vendor. Credit Card Integration is available for FIS, Credit Processing Solutions (CPS), and Fiserv Card Services Credit (CSC).

For credit card balances and information, credit card processors transmit balances to Portico via File Exchange (XROADS). You can receive balance files daily, weekly, or monthly, depending on the agreement with your credit card processor. In general, the balance file only contains members with credit card activity. A complete balance file containing all members with credit cards is transmitted to Portico once a month.

Credit unions using FIS can transmit name and address updates for existing cardholder. Portico collects name and address updates for existing cardholders and sends them in a batch file to FIS during the Portico back-office cycle. Only the TBS platform, 2100 format, and record type 8 are supported. The 2000 Base platform and Pass-Thru platform with FIS are not supported.

Credit unions using CPS and CSC can:

  • view credit card balances and information
  • review credit card history
  • access individual account or joint account information
  • update owner information, including address maintenance and seasonal address changes
  • activate a card or order a new or replacement card
  • process near-real time credit card payments and advances
  • accept credit card payments using audio response, online banking, Transfer File, and the Transactions tab
  • review credit card activity via CSC reports available in Nautilus Essentials and My Reports

Credit unions using CSC can use Credit Choice. Credit Choice is a fully integrated credit card program that allows financial institutions to provide a branded credit card to consumers through an issuing partner without taking on all of the risks and resources normally required to support a credit card program. With Credit Choice, a credit union can restrict non-financial updates for all accounts, consumer accounts only, or business accounts only.

You can accept credit card payments using Audio Response, Online Banking, Transfer File, the Transactions - Vendor Credit Card, Mortgage and Education Payment tab, Transactions - Deposits, Withdrawals, Payments and Transfers tab, and Mail Work tab. CPS and CSC users can process advances using the Deposits, Withdrawals, Payments, Transfers tab and Vendor Credit Card, Mortgage & Education Payments tab. Any of the transactions will update the Available Credit field on the Transactions – Vendor Credit Card, Mortgage and Education Payments tab and Loans – General tab.

Portico will process CPS and CSC credit card payments and cash advances in near real-time. CPS and CSC payments and advances will be sent to CPS and CSC intermittently throughout the day (approximately every 15 minutes). This includes online banking payments, online teller payments, offline teller payments, and online cash advances. Teller reversal transactions will function in a similar manner. Transfer File payments are sent first thing in the morning. If the transmission containing the Transfer File payment was not successful, the Transfer File payment will continue to be sent throughout the day until successful.

When the transaction is completed, you will receive the standard Financial Transaction Complete message in the status bar. The CPS/CSC Online Inquiry indicator message will change to CPS/CSC Pending Activity which means a payment or advance has been made in Portico and has not been sent to CPS/CSC. The CPS/CSC Pending Activity message will continue to appear until the transaction is sent to CPS/CSC. Once the transaction has been sent, the indicator message will change back to CPS/CSC Online Inquiry.

Credit Card Interface

Credit Card Interface provides access to credit card information from FIS, CPS, and CSC through any Portico terminal. Credit unions can increase member credit lines, provide real-time balance inquires, and access member history for loan applications. To setup Credit Card Interface, submit a completed Credit Card Interface questionnaire to Portico Customer Service with the following information:

  • Credit Card Vendor: CPS, CSC, FIS,
  • Branch
  • Line/Control Unit
  • Number of terminals currently accessing the service
  • Number of terminals you want to add to the service
  • Terminal IDs to be set up with Credit Card Interface

Credit card numbers are normally 16 digits long and identify the credit union, plan, and member. Generally, Visa credit cards start with 4 and MasterCard credit cards start with 5. Credit card numbers have the following structure:

4123 4510 0221 2003

4123 45 - Identifies the credit union

10 0 - Identifies the plan (gold, platinum, etc.)

221 2003 - Identifies the member