credit & debit

A cardholder can select to pay with a credit or debit account by pressing one of the buttons. The card visually indicates the selection by turning on the light source associated with the selected account.
All account information is stored on the card, requiring no back-end systems to differentiate each type of transaction.
Customize the card to add features that suit your business needs, including our instant processing for a rewards credit card.

overview
BENEFITS
specs

credit-debit enables seamless shift to lucrative credit transactions

The card design and technology facilitates spending shift:

Credit button placed higher on the card positions it as the preferred button.
Adding rewards to the credit account encourages credit spend by convincing cardholders that they are missing out by spending on the non-rewards debit account.
Dynamics' real-time processing can facilitate messages to cardholders to remind them that debit transactions mean lost rewards.
Rewards iconography can be printed on the credit button to serve as constant reminder of rewards.

Engaging with the card at every transaction enables several opportunities to reinforce the message of the core benefits of credit over debit by leveraging interchange-funded rewards.

credit-debit card has high value to consumers who seek convenience

cardholder benefits

The card simplifies the wallet, enabling a consumer to have multiple accounts on a single credit card.
Provides ultimate convenience — a cardholder can carry a single payment card and make account selection at point of sale.

issuer benefits

Generates new accounts — has strong appeal with consumers who value convenience and simplicity.
When combining debit/credit, the card shifts spend to credit.
Can be used to cross-sell accounts (sell credit to debit customers or personal credit to corporate customers).
Creates competitive spend shift — cardholders can leave home with a single card.

combining cards saves a variety of expenses

credit and debit card saves expenses

Cost savings based on a $5-per-card cost with several factors, including:

EMV/contactless cards
Stripe, EMV, RFID persos
Fulfillment packages
Postage stamps
Call center/account activations

financial benefit of combining multiple accounts on 1 card

cost savings from combining multiple cards

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card revenue from increased lift

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card revenue from decreased attrition

>$200 card life benefit

Dimensions	Meets all standards (ISO/IEC1713)
Durability	Meets all standards (ISO/IEC1713)
Flexibility	Meets all standards (ISO/IEC1713)
Battery Life	Over 4-year battery life without recharge
Electronic Stripe^® technology	Writes to both tracks of magnetic stripe. Proprietary printing techniques enable wear resistance and enhanced durability.
Optional Features	EMV, contactless, in-stripe dynamic security codes (dynamic CVV1s) and on-line dynamic security codes (dynamic CVV2s)
Personalization	Uses standard equipment
Printing	Uses standard equipment