Data Entry

Data extraction and digitization of documents in the card application & servicing areas

Full suite of Data Digitization & Document Processing capabilities. Read More

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Card Indexing

Indexing of credit card applications for underwriting and processing.

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Application Processing

Verification of documents in credit card applications for underwriting purposes.

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Credit Card Underwriting

Review of credit card application by verifying the credit history and other details of the applicant.

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Customer Service

Ability to address customer contact, customer services and back-office processing needs for card-related functions.

Back-office expertise in cards combined with voice-based services. Read More

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Fee Waiver

Support Bankcard adjustments based on customer request, including fee waiver in case of misapplied fees or as a courtesy.

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Debit & Credit Adjustment

Quick manual credits/ debits to account are part of comprehensive Bankcard adjustments support.

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Promo Rates

Changes due to promotional rate application, entry of adjustments based on bank-produced exception report.

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Stop Payment

Handling of STOP request on accounts based on customer requests, or notification by bank.

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Lost & Stolen Card

Handling of processes related to lost or stolen cards, including any STOP requests, replacement, etc.

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Credit Bureau Updates

Credit information or account information adjustments via Automated Credit Dispute Verification (ACDV).

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Misapplied Payment

Comprehensive Bankcard adjustments including any debits/ credits due to misapplied payments and related fee waiver.

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Card fraud disputes

Case preparation, indexing and proper case routing/or full completion for all unauthorized transactions that have been posted to a customer’s debit or credit card.

~ 17% improvement in TAT for Cards’ Disputes Processes Case Study

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Card non-fraud disputes

Handling of billing errors, goods or services issues, and ATM dispensing and deposit issues - Case preparation, indexing and proper case routing/or full completion for disputed transactions.

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Pin/ Signature Disputes

Comprehensive dispute services include research and evaluation of reason for disputed transactions for PIN/Signature-based Bankcard transactions. Correction/ credits to account.

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Issuer Disputes

Resolution of disputes based on documents received from cardholders and merchants; these are done on behalf of Banks using Association guidelines.

57% Reduction in Dispute Charge-Off for a Leading Payment Processor Case Study

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Customer Letters

Sending of letters to customers based on the outcome of dispute resolution.

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Retrieval Requests

Retrieval of card statements based on customer request or for investigations.

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Provisional / Final Credit

Research pattern of use, reason for dispute and issue of provisional credit for the disputed transactions; reversal of fees if required.

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Waive Fee & interest

Evaluation of requests and reversal of fees & interest charges to any customer account due to disputed transactions.

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Write-off Loss/ Chargeback

Evaluation of disputed transaction, level 1 and 2 investigation, including posting of any write-off or chargebacks.

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KYC/AML & Fraud Detection

Real-time enterprise KYC/ AML fraud management integrated with banking systems.

Platform for integrated KYC/AML and other fraud management. Read More

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Collections

Handling of early and late stage collections integrated with voice-based services.

Our voice-based services cover many customer contact points and are integrated with back-office operations. Read More

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Merchant Deal Boarding

Set-up of new merchants based on received applications; indexing and data extraction, verification of information for onboarding merchants.

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Merchant Disputes

Resolution of disputes based on documents received from cardholders and merchants; these are done on behalf of Payment Processors using Association guidelines.

57% Reduction in Dispute Charge-Off Case Study

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Merchant Maintenance

Managing all maintenance to merchant accounts for processors/ acquirers or issuers, based on customer received requests.

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Merchant Downloads

Integrating the physical POS terminal equipment or internet payment gateways into the payment processing network to facilitate e-commerce.

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Pricing Adjustments

Making pricing changes on Merchant accounts based on service requests.

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Basic Underwriting

Validating the worthiness of new merchants being onboarded based on a set of criteria to support final approval.

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Transaction Research & Rekey

Researching requests based on any changes required by the merchants in contracts or erroneous processing; including financial adjustments to the accounts.

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Scan & Image Matching

Matching images sent in for Disputes / Fraud evaluation and attaching them to appropriate accounts / folders.

Leveraging our extensive Data Digitization and data processing skills to reduce cost and errors
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