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With greater risk comes greater rewards. As a Direct Issuer, a banks keep all revenue, control, and liability for their credit card portfolio. They set rates and fees, make underwriting decisions, and are responsible for all compliance, collections, staffing, training, and sales efforts.
By partnering with ICBA Payments for direct credit issuing, community banks gain access to these and other benefits that improve and support your program:
Preferential pricing
Network sponsorship
Our best rates on our Fraud Loss Protection Plan
We offer an Agent Issuer program through our subsidiary TCM Bank, N.A. that eliminates the risk of a Direct Issuer program while providing some non-interest income. The Total Card Management program helps banks grow with a well-rounded selection of branded credit cards that come without the hassle of starting and managing the program yourself.
Learn more about the agent program with TCM Bank.
Complete the form and an ICBA Payments representative will contact you to discuss your needs and identify the best payment solution for your bank.
Get Started
Recuperate losses on card fraud with this exclusive program on this processor agnostic benefit available to all ICBA member banks.
We have a team of dedicated support staff to provide additional help when you need it.
Run a comprehensive analysis of your bank’s credit card portfolio with our ACE tool.