End-to-end payment processing solutions for retail banks including card issuing, payment processing, fraud management, digital banking integrations, and loyalty program support.
More about TSYS (Total System Services)
Solutions that facilitate various payment methods including credit/debit cards, ACH transfers, wire transfers, and real-time payments.
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PCI DSS Compliance Adherence to Payment Card Industry Data Security Standards for handling cardholder data |
TSYS is a major card processor and advertises PCI DSS compliance for secure payment processing on its official website and documentation. | |
Two-Factor Authentication Requires two different authentication methods to verify user identity |
TSYS offers two-factor authentication options for banking clients and end-users as described in product documentation. | |
Tokenization Replaces sensitive card data with unique identification symbols to protect customer information |
TSYS product literature references tokenization for cardholder data security as a core feature. | |
End-to-End Encryption Data encryption throughout the entire payment process from initiation to completion |
End-to-end encryption is part of TSYS’s advertised security approach for protecting payment data throughput. | |
Fraud Detection Systems Automated systems that flag suspicious transactions based on patterns and behaviors |
TSYS offers real-time fraud detection and monitoring systems, referenced in sales/marketing collateral and product brochures. | |
Compliance Monitoring Ongoing monitoring of transactions for regulatory compliance |
TSYS provides compliance solutions and transaction monitoring for AML and regulatory requirements. | |
Security Breach Response Time Time taken to respond to detected security incidents |
No information available | |
Regular Security Audits Frequency of comprehensive security assessments |
No information available | |
GDPR Compliance Adherence to General Data Protection Regulation standards for EU customers |
GDPR compliance is standard for major global payment processors like TSYS serving European clients. | |
AML Screening Anti-Money Laundering screening capabilities integrated into the payment system |
TSYS’s solution portfolio includes AML (Anti-Money Laundering) screening modules. | |
Biometric Authentication Support for fingerprint, facial recognition, or other biometric verification methods |
No information available | |
Vulnerability Assessment Regular testing to identify security vulnerabilities in the system |
TSYS provides regular vulnerability assessments as part of security best practices for clients. |
Transaction Volume Capacity Maximum number of transactions the system can handle per second |
No information available | |
Payment Types Supported Number of different payment methods the system can process (credit, debit, ACH, etc.) |
No information available | |
Average Transaction Processing Time Average time to complete a standard payment transaction |
No information available | |
Real-time Processing Ability to process payments in real-time rather than batch processing |
Real-time transaction processing is a core offering of TSYS in retail payments infrastructure, per product claims. | |
Batch Processing Capabilities Ability to handle large volumes of transactions in batches |
Batch processing capabilities are explicitly mentioned as supported in TSYS’s issuing and processing solutions. | |
Cross-Currency Support Ability to process payments across different currencies |
Product documentation and marketing claim TSYS supports multi-currency/cross-currency processing. | |
Peak Load Handling Maximum transaction volume during peak periods without performance degradation |
No information available | |
Recurring Payment Support Capability to handle automated recurring payment schedules |
Automated recurring payment processing is part of TSYS’s card issuing platform. | |
Micropayment Efficiency Cost-effectiveness and efficiency in processing very small payment amounts |
TSYS advertises efficient support for micropayments through low-cost, high-volume transaction models. | |
Settlement Time Average time taken for fund settlement after transaction approval |
No information available | |
Transaction Success Rate Percentage of transactions successfully completed without errors |
No information available | |
Smart Routing Intelligent routing of transactions to optimize for cost, speed, or approval rates |
TSYS provides intelligent/smart routing services as part of their payment optimization offering. |
API Availability Comprehensive APIs available for integration with other systems |
Comprehensive APIs are a standard offering for integration with TSYS payment solutions. | |
Core Banking System Integration Seamless integration capabilities with existing core banking platforms |
TSYS documents support for integration with core banking systems on its site and case studies. | |
Third-Party Service Connectors Number of pre-built connectors to third-party services and platforms |
No information available | |
Open Banking Compliance Adherence to open banking standards allowing secure data sharing |
TSYS supports open banking standards and secure APIs for integrations, including those needed for regulatory compliance. | |
Mobile Banking Integration Built-in capabilities for integration with mobile banking applications |
TSYS offers multiple ways to integrate with mobile banking applications, as detailed on its digital solutions pages. | |
E-commerce Platform Integration Ready integration with popular e-commerce platforms |
No information available | |
Implementation Time Average time required to fully implement and integrate the payment system |
No information available | |
SDK Availability Software Development Kits available for different platforms and languages |
SDKs are available for partners and clients for easier integration with TSYS APIs. | |
Webhook Support Support for webhook notifications for real-time event communication |
Webhook and event notification support offered for real-time updates for developers and institutions. | |
Custom Integration Development Vendor support for developing custom integrations specific to the bank's needs |
TSYS offers custom professional services for integration and development as advertised. | |
Integration Documentation Quality Comprehensiveness and clarity of integration documentation |
Integration documentation quality is indicated to be comprehensive in client testimonials, developer portals, and documentation samples. | |
Integration Testing Environment Availability of sandbox or testing environment for integration development |
TSYS provides sandbox environments for integration testing to developers and bank partners. |
Checkout Experience Customization Ability to customize the payment checkout experience for customers |
No information available | |
Mobile Responsiveness Payment interfaces automatically adapt to mobile device screens |
TSYS’s payment interfaces are designed for mobile responsiveness, per their omnichannel experience documentation. | |
Payment Method Variety Number of payment options available to customers (cards, digital wallets, etc.) |
No information available | |
Customer Authentication Steps Number of steps required for customer authentication during payment |
No information available | |
Digital Receipt Options Ability to provide digital receipts through various channels (email, SMS, app) |
Digital receipts via email and other channels are part of TSYS's digital payment offering. | |
Saved Payment Methods Capability for customers to securely save payment information for future use |
Secure storage and management of saved payment methods is supported by TSYS per product documentation. | |
Multi-language Support Number of languages supported in customer-facing interfaces |
No information available | |
Payment Status Notifications Real-time notifications to customers about payment status changes |
Real-time status notifications are supported by TSYS for customers and banks. | |
White-label Capability Ability to brand payment interfaces with the bank's own branding |
TSYS enables white-labeling options for client banks to use their own branding. | |
Accessibility Compliance Adherence to accessibility standards (WCAG) for users with disabilities |
No information available | |
Customer Support Channels Number of channels available for customer payment support |
No information available | |
One-click Payments Support for simplified one-click payment options for returning customers |
One-click payment and card-on-file functionality is supported for recurring/returning retail customers. |
Real-time Transaction Dashboard Interactive dashboard showing real-time payment activity |
No information available | |
Custom Report Builder Tools allowing users to create customized payment reports |
TSYS’s analytics platform includes custom reporting tools for institutional clients. | |
Predefined Report Templates Number of ready-to-use report templates for common payment analytics needs |
No information available | |
Data Export Options Number of formats available for exporting payment data (CSV, PDF, Excel, etc.) |
No information available | |
Historical Data Retention Length of time transaction data is stored and accessible for reporting |
No information available | |
Automated Reporting Capability to schedule and automatically deliver reports |
Automated scheduled reporting is part of TSYS’s analytics and reporting suite. | |
Payment Trend Analysis Advanced analytics tools for identifying payment trends and patterns |
Payment trend and pattern analysis tools are discussed in TSYS's reporting/analytics product literature. | |
Customer Segmentation Analytics Tools for analyzing payment behavior across different customer segments |
No information available | |
Fraud Pattern Detection Advanced analytics specifically designed to identify potential fraud patterns |
Fraud analytics and pattern detection tools are part of TSYS’s fraud management product suite. | |
Merchant Performance Analytics Tools for analyzing payment performance across different merchants or channels |
No information available | |
Regulatory Reporting Templates Pre-built reports meeting regulatory requirements for payment reporting |
No information available | |
API Access to Analytics Ability to access analytics data via API for integration with other systems |
No information available |
Transaction Fee Structure Clarity and competitiveness of per-transaction fee model |
TSYS publishes clear transaction fee models and emphasizes transparency in pricing collateral. | |
Average Per-Transaction Cost Average cost per payment transaction |
No information available | |
Volume-Based Discounts Availability of reduced fees based on transaction volume |
Volume-based discounts are discussed in TSYS pricing negotiation materials. | |
Implementation Cost One-time cost for system implementation and integration |
No information available | |
Monthly/Annual Base Fee Recurring fixed cost regardless of transaction volume |
No information available | |
International Payment Premiums Additional costs for processing international payments |
No information available | |
Chargeback Fee Structure Costs associated with handling payment chargebacks |
No information available | |
Pricing Transparency Clarity and comprehensiveness of pricing information |
Pricing transparency is referenced as a key customer value on TSYS's sales collateral. | |
Contract Flexibility Flexibility in contract terms and ability to adjust services |
TSYS offers flexible contracts and customized arrangements for banks, as per sales and customer stories. | |
Currency Conversion Fees Additional costs for currency conversion in cross-currency payments |
No information available | |
Early Termination Fees Penalties for early contract termination |
No information available | |
Premium Support Costs Additional costs for enhanced support levels |
No information available |
System Uptime Guarantee Guaranteed percentage of system availability |
No information available | |
Disaster Recovery Time Time to restore system functionality after a major disruption |
No information available | |
Redundancy Systems Multiple backup systems to prevent service interruption |
Redundancy systems are part of TSYS's infrastructure to guarantee availability. | |
Geographic Distribution Number of geographic regions with redundant data centers |
No information available | |
Maintenance Downtime Average scheduled downtime for system maintenance per month |
No information available | |
Load Testing Capability Maximum demonstrated transaction volume in load testing |
No information available | |
Data Backup Frequency How often system data is backed up |
No information available | |
System Response Time Average time for system to respond to a standard API request |
No information available | |
SLA Enforcement Clear Service Level Agreements with penalties for non-compliance |
Formal SLAs with penalty clauses are standard in TSYS's enterprise contracts. | |
Performance Degradation Threshold Transaction volume at which system performance begins to degrade |
No information available | |
Automatic Scaling System automatically scales resources based on demand |
TSYS payment platform supports automatic scaling as part of its managed cloud/on-premise solutions. | |
Health Monitoring Tools Comprehensive tools for monitoring system health and performance |
Health monitoring and real-time performance dashboards are offered for banking clients. |
Contactless Payment Support Support for NFC and other contactless payment technologies |
NFC/contactless payment capability is confirmed on TSYS’s feature list. | |
QR Code Payment Support Capability to process payments via QR codes |
QR code processing support is included as part of digital and mobile payment options. | |
Buy Now Pay Later Integration Support for Buy Now Pay Later payment options |
Buy Now Pay Later (BNPL) program integrations are promoted as part of TSYS’s modern payments suite. | |
Cryptocurrency Payment Support Ability to accept payments in cryptocurrencies |
Not as far as we are aware.* No evidence TSYS natively provides cryptocurrency payment acceptance for retail banks as of 2024. | |
Number of Supported Digital Wallets Number of digital wallet platforms supported (Apple Pay, Google Pay, etc.) |
No information available | |
Voice-Activated Payments Support for voice-activated payment processing |
No information available | |
Wearable Device Payment Support Compatibility with payments from wearable devices |
Payments via smartwatches and wearable devices are supported in TSYS digital payments suite. | |
IoT Payment Capability Support for Internet of Things payment scenarios |
No information available | |
Social Media Payment Integration Direct integration with social media platforms for payments |
No information available | |
Open Banking API Compliance Compliance with latest open banking API standards |
TSYS’s open banking APIs comply with latest standards for secure financial data exchange. | |
Blockchain Technology Integration Use of blockchain for payment processing or verification |
No information available | |
Innovation Release Frequency Frequency of new feature releases and updates |
No information available |
24/7 Support Availability Availability of technical support around the clock |
24/7 live technical customer support is a standard offering for TSYS’s banking customers. | |
Support Response Time Average time to respond to support inquiries |
No information available | |
Support Channels Number of different channels available for support (phone, email, chat, etc.) |
No information available | |
Dedicated Account Manager Assignment of a dedicated account manager for ongoing support |
TSYS provides a dedicated account manager as part of standard service for enterprise banking clients. | |
Implementation Support Level of support provided during system implementation |
Implementation support, including onboarding, integration, and project management, is specifically referenced in sales materials. | |
Training Resources Comprehensiveness of training materials and resources |
Extensive training resources and programs are provided to TSYS clients via learning portals. | |
User Documentation Quality Clarity and completeness of user documentation |
User documentation is described as comprehensive and available via developer and client portals. | |
Community Support Forum Availability of user community for peer support |
An active user/developer community and support forums are referenced on TSYS's support site. | |
Regular System Updates Frequency of system updates and improvements |
No information available | |
Service Credits for Downtime Financial compensation offered for service disruptions |
No information available | |
Post-Implementation Review Structured review process after implementation to ensure optimal configuration |
TSYS offers post-implementation reviews as part of project closure procedures for banks. | |
Escalation Process Clear process for escalating unresolved issues to higher support levels |
Escalation and issue resolution processes are documented in standard TSYS client support agreements. |
Maximum Transaction Capacity Upper limit of transaction volume the system can handle |
No information available | |
Geographic Expansion Support Ease of expanding payment processing to new geographic regions |
TSYS's global platform and experience supporting banks in new countries demonstrate geographic expansion capability. | |
Multi-Entity Support Ability to support multiple business entities within the same system |
TSYS solutions can be deployed across multiple institutions/entities according to documentation. | |
New Payment Method Addition Time Average time required to add support for a new payment method |
No information available | |
Scalable Pricing Model Pricing structure that scales efficiently with business growth |
Scalable pricing models are mentioned as part of RFP and commercial materials. | |
API Rate Limits Maximum number of API calls allowed per minute |
No information available | |
Multi-Currency Expansion Ease of adding new currency support |
TSYS can easily add new currencies per market/client needs (see multi-currency support notes). | |
Database Scalability Ability of the database to scale with growing transaction history |
TSYS solution runs on scalable enterprise databases supporting very large transaction volumes. | |
Feature Request Process Clear process for requesting and implementing new features |
Formal feature request and product feedback processes exist for TSYS clients. | |
Custom Development Support Vendor support for custom development needs as the business grows |
Custom development is supported, with TSYS offering professional services to clients. | |
Backward Compatibility Ensuring new versions remain compatible with existing integrations |
Backward compatibility for API and platform upgrades is part of TSYS’s support guarantee to banks. | |
Growth Planning Support Vendor assistance with planning for future growth and scaling |
TSYS provides clients with guidance and support for growth and scaling (see TSYS consultation and planning resources). |
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