What is SHAZAM?
The question isn’t really what SHAZAM is …
BUT WHO?
The Core of Your SHAZAM Network
For your cardholders
All the benefits of industry-leading
ATM services
Minimized staffing, maintenance,
and time costs
For you
Transaction Services
Processing Services
- Cash withdrawals
- Deposits, including no-envelope deposits
- Merchandise dispensing
- Funds transfers
- Balance inquiries
- Multiple accounts
- Surcharging
- Surcharge-free processing
- Customized welcome and exit screens
- Targeted marketing screens
- Customizable “fast cash” tables
Connectivity Options
- Dedicated lease-line connections
- Dial-up
- VPN
- Custom network solutions
Track Your Terminals with SHAZAM Monitor
Expand Your National & International Reach
- Alerts you to faults, notifications, acknowledgments, out-of-service times, and in-service times.
- Provides complete daily and monthly transaction reports for each ATM.
- Helps resolve cardholder disputes, solve out-of-balance situations, perform balancing and totaling, and more.
- Card acceptance with major national card associations
- Gateway access to all major PIN-based debit networks
- Give your cardholders easy access to 3,300+ Privileged Status ATMs around the country.
- No membership fee charged to you.
Card Security
Additional protection ...
- Enhanced expiration date checking
- Card activation
- PIN verification
Internet PIN Debit
Your cardholders make secure
online purchases …
- Lower interchange fees
- No brand-assessment fees
- Less fraud – more profitable
SHAZAM Card Block
Stop fraud before it happens by blocking
Maximize your protection with optional upgrades.
- Foreign countries
- Compromised PANs
- Terminals from risky merchants
- Any pattern of fraud you find
Blocks are accomplished easily through SHAZAM Access – we’ll even train your staff!
Because it WORKS!
8:1
Falcon and Falcon RealTime
Every transaction is given a risk score.
SHAZAM’s average false-positive ratio
Fewer false positives mean fewer fees for you.
Low Risk Score
A transaction at a frequently visited hometown store
High Risk Score
An overseas transaction on the account of a cardholder who normally shops locally
Builds a statistical model for each of your
cardholders based on their individual habits.
What happens with a high score?
A SHAZAM case manager takes action,
or the transaction is blocked.
- What stores do they shop?
- In what locations?
- How much do they typically spend?
SHAZAM checks every transaction
for signs of fraud.
Falcon works hard to
protect your bottom line!
More Services to Protect
You and Your Customers
- Proper card activation
- Valid cardholder address
- Expired cards
- Lost or stolen cards
- Brute force attacks
- Unusual or high-risk card activity
- CVC and CVV verification
Smart companies view PCI compliance as the beginning of their security journey … not the destination.
With SHAZAM Secure, you’ll reward your customers' trust – and keep them loyal for a lifetime.
Identity theft is the fastest growing crime in America.
Fraud keeping
you up at night?
The SHAZAM Secure Umbrella of Services
- IT Examination
- Security Assessments
- ACH Examination
- Bank Secrecy Act Examination
- Web Application Assessment
- Managed Firewall and IPS Services
- IT Consulting Services
- Managed Network Services
- TR-39 Examination
Relax. We've got you covered.
You get
Customer trust and loyalty
by providing this valuable service.
An inexpensive revenue generator
At 79 cents per month, you can offer it to your customers at affordable prices and still make money.
Your customers get
The experience and expertise of Kroll’s proven professionals
- Forensic accountants
- Attorneys
- Regulators
- Former FBI and law-enforcement officers
- Investigative journalists
If an enrolled customer becomes a victim of identity theft
- Kroll investigators work the case until resolution, no matter how long it takes.
- No “here’s what to do” and hand it off.
Now you can safeguard your customers from identity theft and generate revenue – with ID TheftSmart.
Convenience for your customers,
Better business for your merchants,
who can make purchases with a single card wherever they go.
thanks to increased sales, faster
checkout, and protection from fraud.
as you save on processing and
earn interchange revenue.
More money for you,
Top-tier debit-card services to offer your customers
Health Savings Account (HSA) Cards
Cardholders contribute pre-tax dollars for qualified
medical expenses, then pay conveniently with their card.
Business Debit
- Gives your business customers greater spending power and flexibility.
- Both MasterCard® and Visa® brands available.
PIN and Signature Debit
Quick, convenient, secure PIN-debit transactions for your cardholders.
- Traditional point-of-sale
- Online
- Mobile
On duty 24/7 to provide reliable balance data and accurate authorization for ATM, debit, and Internet transactions.
Card Authorization Services (CAS)
Choose your program to strike the perfect balance between program features and cost effectiveness.
Simplest and most affordable option —
authorization based on limits you establish.
More robust level of authorization —
you provide account balance files to SHAZAM.
Balance files can be updated as often as you deem necessary – secure FTP transfer via SHAZAM Access.
SHAZAM will:
- Interface with many service bureaus
- Connect to most core systems
myPic Studio
Allows your cardholders to create personalized debit cards.
- Quick, easy, and fun for your cardholders
Personalized Cards Become “Top of Wallet”
shown to increase usage by
10% to 20%
meaning more revenue for you!
Access to more than 700 professionally produced videos covering an array of industry, operational, and SHAZAM-related topics.
Saves you $1,000s in training costs.
New videos developed each month to keep your knowledge current.
SHAZAM View
On-demand video training
for SHAZAM participants
Take advantage of training for all of SHAZAM’s products & services.
We’ll come to you, or we’re happy to set up
phone or web seminars.
SHAZAM Chargeback
Department
Helping you navigate the dispute process
When you call ...
you'll be answered within 20 seconds by a knowledgeable person located within the walls of our company.
Our chargeback experts are just a phone call away, ready to
guide you through the complex dispute process.
It’s like having your own on-staff chargeback specialist!
19 years
Average SHAZAM experience of our trainers
When you leave a
voicemail or email ...
you’ll receive a response quickly
— often within minutes.
Cardinal offers both in-house and data-center options to give you the ultimate in flexible data storage.
When you convert
to our network ...
$0.00
SHAZAM Training
Debit Rewards
Your FREE loyalty program
Cardinal’s Universal Web Services API
Flexible, cost-effective education for your team
- Allows any third-party solution to easily interface, with no additional fees.
- Select the applications you want to use now and in the future.
Best of all, Debit Rewards is FREE!
you’ll get a thorough plan,
professional service,
and high-quality training.
Your Full Suite of Software Solutions
- Your cardholders are automatically entered to win valuable prizes every time they use their card to make purchases.
- SHAZAM handles all program administration.
- We’ll send you professionally designed promotional materials each quarter – FREE!
- You can even guarantee a local winner.
95%
As a wholly-owned subsidiary of SHAZAM, Cardinal is ready to be your partner.
- Core processing
- Teller, new accounts, and loan platforms
- Compliance
- POD/Branch Capture/Teller Capture
- Document imaging
- COLD storage
- Dashboard reporting
- E-Banking solutions
“We have great customer service.”
of all customer service calls at SHAZAM
are resolved the same day.
Every company claims it.
But can they back it up?
SHAZAM can … here’s proof.
SHAZAM's marketing team
is ready to help you
When you need
professional
marketing support ...
- Realize more revenue
- Add new customers
- Sell new products
- Retain more customers
At SHAZAM,
customer service isn’t a department.
you’ll get it – at little or no cost.
It’s a way of life ... and the top priority of every employee.
Marketing Support Services
An experienced CIS expert will guide you through every step of the process. You’re in good hands.
On-staff marketing professionals at your service
Customer Implementation and Support (CIS)
Your smoothest conversion ever
You come first, every day,
no matter what.
35 years
+ thousands of successful conversions
SHAZAM has the experience
to make your conversion easier than you ever thought possible.
SHAZAM Client Support
The heartbeat of your
customer service
“We REALLY DO have great customer service.”
Your FREE Services
Client Support, our onsite call center, is ready to serve you … 24/7.
You’ll talk to knowledgeable professionals who are dedicated to resolving your issues quickly.
- Campaign planning
- Consultation
- Market analysis
- Campaign implementation
Plus, you have exclusive access to
low-cost marketing campaigns
from our award-winning
Power Marketing Program.
Why does that matter
SHAZAM is NOT
- Beholden to Wall Street or shareholders
- Focused on profiting off your business
- Your competitor
- The favorite catchphrase of Gomer Pyle
SHAZAM IS
- A network of nearly 1,500 community financial institutions
- One of the few remaining member-owned, member-controlled, not-for-profit payments networks
Your customers demand it.
SHAZAM’s elite products & services provide it.
Reliability • Versatility • Convenience
Years ago, few could have foreseen the technology of today – or how fast it would change.
The challenge is understanding which technologies to embrace –
and which to reject.
The future ain’t
what it used to be.
Technology that Makes Sense for Your Business
A History of Innovation
SHAZAM has always brought you technological advances in electronic payments.
- SHAZAM tests every new product idea thoroughly.
- If a product shows true potential to strengthen your business, we make it available to you as quickly as possible.
Over the years, we’ve pioneered
- The single-message model
- Point-of-Sale (POS) Processing
- Card Authorization Services
Automated Reports
Complete, no-fuss data delivered right to your desktop.
SHAZAM’s state-of-the-art reporting tools put you in the driver’s seat!
- Plastics
- Settlement
- SHAZAMChek
- SHAZAM Monitor
- Billing
- Exceptions
- Fraud
- Maintenance
SHAZAM Access – your gateway to a world of information
Secure web-based application offers you
- High-speed research of all transactions
- Reports for terminal and cardholder usage
- File transfer in a variety of secure formats
- Access to SHAZAM products, services, descriptions, reports … virtually everything at your fingertips
SHAZAM Insight helps you
answer key questions.
- Where are my customers using their debit cards?
- Which ATMs are my customers using? Not using?
- Are my customers exceeding daily limits?
- Are fraudsters trying to use “hot” cards?
SHAZAM ACH Services
The SHAZAM ACH Association is one of 17 in NACHA.
SHAZAM BOLT$ helps you build customer loyalty.
- We've designed SHAZAM BOLT$ to show YOUR name and logo.
- In your cardholders’ eyes, YOU are providing the service.
Reinvesting in your success
The SHAZAM BOLT$ app is absolutely FREE – not only to your cardholders, but you too!
Give your cardholders the convenience of mobile – FREE!
With just a smart phone or tablet, your customers can
- Access balance information
- Receive mobile alerts to potentially fraudulent activity
COMING SOON – person-to-person payments and ATM Locator!
Your member benefits
- Automatic membership in NACHA
- Special pricing on NACHA publications and SHAZAM ACH seminars
- Insider information – ACH Risk Management newsletter, FREE ACH Rulebook and Quick Reference Guide
- Customer support to help you understand ACH and NACHA operating rules
SHAZAM offers both ACH Origination and ACH Receive services.
In order to be fair, a price must be honest.
Today, I will show you …
- Everything is on the table.
- You see both revenue and expenses.
- No surprise rate hikes.
- No hidden expenses that dissolve up-front savings.
- No fuzzy math to make you think you’re getting a deal.
And that makes your relationship
with us different.
As a partner with SHAZAM, you’ll always get an honest quote.
- The complete picture – both revenue and expense with no hidden fees
- Lots of value-added benefits
Strikingly different.
When you look at your complete financial picture over the life of your contract, you're better off with SHAZAM.
What is a "fair" price?
It means different things to different people.
It depends on whether you're the buyer or the seller.
More security than ever before
Pentagon offers the security of PIN debit, plus triple-encryption technology and dual-channel authentication.
No mobile payments app offers more protection against fraud.
Minimize Your Risk of Fraud
Mobile convenience
with PIN-debit security
Strengthen bonds with
your commercial accounts
SHAZAM monitors transactions for unusual activity.
Referral Merchant Program
Traditional Merchant Program
You maintain control of the merchant relationship.
SHAZAM provides a full range of processing services.
You refer merchants to SHAZAM.
We do the rest – you sit back and enjoy the benefits.
Flexible pricing gives you greater control.
- A cash bonus for each referral
- Sales representation and closure
- Monthly debit statements
- Cost plus
- Straight discount
- Tiered discount
Open up New Revenue Streams
with Merchant Gift Cards.
AFFORDABLE
Merchants enjoy low startup and
monthly costs.
SIMPLE
Activate cards of any denomination
with a single swipe.
FLEXIBLE
Gift cards are reloadable, so customers
can use them again and again.
Here’s what you’re saying ...
The difference?
What is the
SHAZAM Difference?
One consistent company with one consistent mission … for over 35 years
Products designed to keep you competitive
Responsive to
your needs
Your partner –
not your competitor
Fair, honest pricing that reflects your wishes
Owned and controlled by Community
Financial Institutions –
like yours
Is it hard to convert? Worth the effort? Cost-effective?
Does SHAZAM work
with my core?
Which is better for me – one-time incentives or lower monthly fees?
Am I paying too much now?
What happens at renewal time?
Your Personalized Offer
Today, you will receive ...
- A complete pricing picture
- An apples-to-apples comparison
- Your projected monthly savings
- Your contractual benefits