Retail Card:
CSU CardSystem, the largest independent processor of credit cards in the country, created and is implementing a processing and administration model for hybrid cards for retail, a tendency of the Electronic Payment Means sector.
The hybrid cards are a combination of the simple private label cards and the plastic credit card that carries a banner. It arrived to revolutionize the market in a positive way because with it, the retailer has a rate of effectiveness and client loyalty that is higher than that that exists today with the private labels. With its own credit card, it is possible to strengthen the image and encourage the impulse purchase, increasing significantly the value of the average sales ticket and, therefore, the sales volume. It is also a generator of important revenue from financing, rates and insurance sales, adding profitability in the relationship with the customer.
The advantages for the customer lie in the ability to concentrate their expenses, managing expenses in a single invoice, taking advantage of promotions of the banners, discounts and differentiated installments of the retailer, besides differentiated installments of the retailer, in addition to consuming according to the acceptance policy of the Visa and Mastercard banners. Another positive point is that the customer does not necessarily have to have a bank account. Anyone can go to the supermarket or any other retail network and make a card according to their social-economic profile.
CSU CardSystem has knowledge, experience and all the structure needed to support the launching, management and administration of Credit Cards, whether they are Private Label, Hybrid or Carrying a Banner (Visa or Mastercard).
CSU CardSystem was in charge of migrating the private labels of Carrefour to hybrid cards today processed and managed by CSU. It launched a new card for Porto Seguro, Omni Financeira – the first of a financial company linked to a bank. In addition to being responsible for the operation of the more widely-used cards of the Riachuelo store chain.
We are prepared to place at the disposal of our clients the best card market practices and all the structure needed for the customer to have its own Credit Card by developing the following activities:
Credit approval through a specific Credit Score;
Purchase of input, inventory maintenance, issuance and the sending of cards;
Customer care center with the Client’s profile: we control the use of the card, the balance and the validity;
We issue invoices, control payments, do the work for Prevention and Fraud and the collection of late payments;
We take care of all the accounting of the product according to the Accounting Plan of the customer.
Our customers do not have to have their own structure to have their own Credit Card. We offer the complete solution so they can move into this new business, which can be implemented in 90 days.