Sends full records to the issuer’s transaction processing network

COTS Transaction Network Processor has been designed to efficiently send full records (not just skeleton records) to the issuer’s transaction processing network. As a result, cardholders can use their cards immediately with all available merchants.

Full address, phone, date of birth, social security number, products and limits are immediately sent giving the card issuer a unique level of transaction processing integration.

Skeleton records include name, business name, PAN, PIN offset, and an expiry date.

Available networks

  • COOP (Efunds)
  • ELAN
  • First Data – Omaha
  • First Data – Wilmington (star)
  • FIS
  • Fiserv EFT / card services
  • JHA passport / CPS
  • Mastercard IPS
  • Visa DPS (standard/enhanced)
  • Worldpay
  • Additional processors integrated as needed

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