Debit Card Solutions
FlexATM is a fully featured, real-time authorization system working between the core banking application at the financial institution and the EFT processor. In simple terms, FlexATM enables real-time funds verification and account debit of ATM and Point of Sale transactions at any terminal location – including Internet purchases – providing consistency to this important delivery channel. Financial institutions eliminate exposure to ATM / EFT overdraft situations caused by off-line, positive balance file disbursements.
Unlimited EFT connectivity.
Utilizing industry standard specifications, FlexATM provides an online, real-time connection between a regional or national EFT processor/switch and virtually any core account processing vendor. This connection will allow online authorization of customer accounts at your terminals, at foreign terminals, and at any point of sale (POS) device. FlexATM reduces a bank’s exposure to fraudulent cardholder activity and synchronizes the EFT banking experience with other real-time delivery channels. FlexATM operates on standard Windows operating systems, either utilizing dedicated hardware or within virtualized environments. System architecture is based on industry standard design to manage network transactions. FlexATM offers complete transaction flexibility to optimize available transaction types between core banking applications and ATM / EFT processors. Cardholders can perform balance inquiries, ATM withdrawals, account transfers, and POS transactions in real time, each affecting their balances as dictated by the transaction specifics.
FlexATM requires minimal intervention by the financial institution. Designed for consistent processing, Atris specialists include real-time monitoring to track system integrity and proactively alert the appropriate personnel to investigate hardware, networking or ATM software concerns.