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Funds Loading

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It is crucial to provide your cardholders with as many load options as possible. FiCentive's many options include:

Direct Deposit
Direct deposit capabilities can be added to most card programs and allow the cardholder to easily load all or part of their pay, government benefits, tax refunds or any electronic payment that is funded with ACH via a traditional bank routing number and account number.

ACH Loading

ACH loading is available as an option to purchase and load cards from the Internet, a Customer Service Representative or via an Interactive Voice Response system. FiCentive's ACH loading is so sophisticated that it includes the following features:

  • Quickly identifies data entry errors of routing number
  • Identifies inactive or retired routing numbers due to bank merger or acquisition
  • Identifies credit unions and financial institutions whose rules do not allow debit or credit ACH transactions to post to savings or checking accounts
  • Recognizes items drawn on closed accounts
  • Recognizes items drawn on accounts currently in overdraft status
  • Recognizes consumer accounts that are in industry negative databases
  • Webservices Support

Credit Card Loading
Credit card loading is available as an option to purchase and load cards from the internet, a Customer Service Representative or via an Interactive Voice Response system. FiCentive's Credit card loading is so sophisticated that it includes the following features:

  • Webservices Support
  • Address verification
  • Real-Time verification
  • Recognizes credit card account in our extensive fraud negative databases

Cash Loading
Cash loading is available through GreenDot at thousand of national retailers including:

Card to Card Transfers
Our card programs support the ability to move funds from one card program to another.  This feature is important to card programs that want to offer a card upgrade program to maximize cardholder loyalty and cardholder revenue.

Check and Money Order Loading
Our card programs can allow for loading via check or money orders sent to our processing center.  Our processing center will fund the cards as the funds are received and pass our fraud and risk parameters.

 

 

 

 

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FiCentive, Inc. is a Wholly Owned Subsidiary of Payment Data Systems, Inc.
FiCentive is an Independent Sales Organizations (ISO) and a registered agent of Sunrise Banks, N.A.
These cards are issued by Sunrise Banks N.A., St. Paul, MN 55103, Member FDIC, pursuant to license by MasterCard International Incorporated.
These cards may be used everywhere MasterCard debit cards are accepted. Use of these cards constitutes acceptance of the terms and conditions stated in the Cardholder Agreement. Products and or services that are located on external links are not endorsed, guaranteed or recommended by FiCentive or Sunrise Banks.

Copyright FiCentive, Inc., All Rights Reserved