Bankers’ Bank of the West (BBW) is driven to help your bank grow by providing high-quality, technology-focused, competitively priced bank card products and services. By cultivating long-term strategic partnerships with leaders in back-end processing, BBW can offer the best of both worlds: the technology of a large company along with the customer service and expertise you expect from the staff at BBW. Whether your bank is looking to implement a bank card program or wants to expand your current program, we can help.
Debit and ATM Processing
Our debit processing solution combines cutting-edge technology and sophisticated security tools for detecting and preventing fraud. Features include:
A dedicated customer service and support team to help you every step of the way.
A cohesive, reliable debit card transaction processing solution that supports PIN-secured, signature debit, contactless, mobile wallet, and EMV cards with 99% uptime.
Processing options for controlling transaction authentication and authorization.
Online management and authorization capabilities that put card issuance, card activation, transaction history, and “executive view” analytical tools at your fingertips.
Robust fraud-prevention tools for building a strong layer of security and enabling you to set and administer authorization strategies in real time.
Online reporting functions that provide access to a variety of reports and support your ability to manage your portfolio efficiently.
Not all merchant programs are created equal. So choosing the right one is an important first step for your bank. You want a program with a proven track record of delivering high-quality customer service not only to your bank but also to your merchants. You want a partner that will work with your bank to provide customized marketing as well as ongoing training. Listed below are just some of the benefits and services Bankers’ Bank of the West can provide:
24-hour merchant approval
24-hour settlement of funds to the merchant*
24-hour, 7-day-a-week technical support
E-commerce / card not present fraud protection services
Robust account management
Acceptance of Visa®, Mastercard® and Discover® cards automatically included
*in most cases
Desktop terminals via analog or Ethernet
Real-time fraud decisioning; machine learning
Mobile payments, including Apple Pay and Android Pay
*in most cases
E-commerce Fraud Protection and Card-Not-Present Payment Guarantee
The time and expense spent on Card-Not-Present (CNP) fraud chargebacks is a huge burden for many merchants. Even worse, the fear of fraud can result 3% of legitimate transactions being declined.
Bankers’ Bank of the West offers a CNP payment guarantee solution to help your merchants eliminate fraud, increase revenue, and deliver a low-friction customer experience. These fraud protection services have been broadened to support community banks and their e-commerce merchants selling goods and services online. The payment guarantee can be deployed to all CNP sectors, from digital goods and retail chains to jewelry and e-ticketing providers.
Our bank services team is happy to schedule a demo of the CNP payment guarantee solution upon request. Contact us to learn how fraud protection enables your merchants to:
Gain more revenue
Mobile Payments Solution
The mobile payments solution offered by BBW’s merchant program empowers you to compete in your markets and retain very important commercial customers by providing them access to a powerful, easy-to-use, attractively priced payments-acceptance solution that compares favorably with the most heavily advertised mobile applications. In fact, our program is superior to others in many ways, including:
Our card reader is well-built, sturdy and reliable—an all-in-one device capable of reading both EMV and magstripe.
Back-office monitoring by BBW staff is included; risk reports are reviewed daily.
The community bank generates revenue and maintains a strong relationship with the merchant, who benefits from BBW’s expertise and support.
BBW does not hold funds. Your merchant customer receives funds within 24 business hours if auto settled before 5:00 PM Mountain Time.
With our unbundled pricing, your merchant’s cost is priced on the card type and how the transaction is processed.
In addition, your merchant gets an online dashboard for reporting, uploading, and tracking inventory online and through the app.
Credit Card Solutions
Bankers’ Bank of the West offers both a community bank-controlled Mastercard® credit card program and a referral program.
Bank-Controlled Credit Card
The community bank-controlled Mastercard credit card program positions your community bank to earn revenue while you retain control of pricing and approval decisions. You design your program to meet your needs; BBW provides complete back-office service and assistance for your bank.
Our program enables you to issue Mastercard Consumer and Mastercard Business cards.
Referral Credit Card Program
The credit card solutions we offer to community banks go above and beyond in meeting cardholders’ needs. Your customers will get what they want, too: competitive rates, a range of rewards choices, and enhanced benefits.
What’s more, this card program provides your bank with the product variety, back-end support, marketing assistance, and revenue you need to succeed in your markets.
Consider this short list of features and benefits that separate these customizable solutions from other programs:
• Same-day decisions on applications submitted by 3:00 PM Mountain Time.
• Product choices within the business and consumer categories.
• Built-in community bank branding on cards.
• Several rewards program choices.
• Advanced technology features for cardholders, including mobile-optimized online account management with two-way texting and email alerts.
• 24/7 for your customers provided by knowledgeable U.S.-based customer service center agents 365 days a year.
The Executive Business Card
The Executive Business credit card is offered exclusively to banks, for bankers only. It is typically used for travel and expense reporting.
Prepaid cards can expand your product menu and help you build customer loyalty. Choose any combination of these card options:
To get the information you need on any services through Bankers’ Bank of the West please contact us.