Solutions & Technologies

Authorized User

Provide dependents with access to a portion of the primary line in a controlled way

Orbiscom's Authorized User solution enables the primary cardholder to share account access in a secure and controlled way. The primary cardholder determines who the additional cardholders will be and then sets controls over how each of them spends. Each additional cardholder is assigned a unique card number linked to the primary account. By providing oversight, the Authorized User solution breaks down the barriers preventing primary cardholders from offering credit and debit cards to teens, young adults, employees and other authorized users.

How it Works

Cardholder wishes to add an authorized user to his/her card account

Cardholder logs on to card issuer�s self-service web interface and accesses his/her account

Cardholder requests that an authorized user be created on his/her account. The authorized user will have access to the main cardholder�s credit line but will be limited to use of that credit facility within parameters set by the main cardholder e.g. cardholder creates authorized user account for the nanny. The nanny may use the card Monday to Friday only, only for grocery or fuel purchases and up to a limit of $800 per month

The authorized user will be given access to the credit facility either through a virtual or physical card

Overview

Orbiscom�s Authorized User solution is market-leading payment technology that enhances our clients� existing card products with innovative features that allow the primary cardholder to provide account access to others in a controlled and secure manner. The Authorized User solution provides innovative features that put our clients� cards in the hands of more people, thereby helping our clients achieve their strategic goal of increasing transaction volume. These innovative features include:

Single, Shared Credit Line

All cardholders are attached to a single credit line allowing the issuer to fully leverage existing credit policy and to minimize additional risk.

Unique Spending Controls For Each Authorized User

Primary cardholder manages total spend limits for each authorized user. Authorized User extends the primary cardholder�s control over each authorized user�s spending based on a variety of settings including amount, time period and merchant type.

Personal Card Number For Each Authorized User

Each authorized user is assigned a unique card number allowing each card to be issued and managed independently. In the case of a lost/stolen card, only the affected card need be replaced. Other authorized users, and the primary cardholder, continue to have use of their cards.

Consolidated Transaction Reporting

The primary cardholder has a full, real-time view of all authorized user transaction activity and can sort transactions by user.

Web-Based Customer Service

Authorized users have 24/7 access to their individual balance and transaction history. Primary cardholders have 24/7 access to generate and update authorized user cards and modify their spending limits. Additional features such as email alerts and requests for increase in spend limits are also supported.

Issuer Benefits

Orbiscom�s Authorized User provides a number of benefits enabling our clients to drive increased usage and transaction volumes for their existing card portfolios.

Increased account usage

Help your customers feel more confident to share access to their account with others.

Reduce Costs

Avoid the need to re-issue all cards when one authorized user card is lost/stolen. Eliminate the opportunity cost of lost transactions.

Quickly and Cost-effectively Introduce New Card Programs

Leverage Authorized User to introduce a number of special purpose products such as Travel Card, Cash Card or a variety of limited-use promotional cards.

Convenient, Cost-effective Service

Using the Web-based self-service features provided by Orbiscom, offer your cardholders convenient 24/7 access to service while avoiding a costly call to your service center.