real-time credits

financial institutions


The fastest way to return funds back onto your customers' cards.

By offering Real-Time Credits you will have a competitive advantage by meeting the growing customer demand for immediacy in receiving refunds and credits back to their debit card. 

features and benefits

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Single, flexible interface to integrate with the service and for receiving credit requests from multiple merchants

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Managed service with agreed service levels

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Competitive advantage through increased acceptance for cardholders

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Build trust and satisfaction into your customers' relationships

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Additional service to offer existing business customers

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Leverage Vocalink's track record of delivering outstanding service

Real-time credits flow

Real-Time Credits leverages existing card transaction functionality to refund an account and removes any manual processing requirements. By removing parties from the value chain it allows for real-time repatriation of funds.