FIS provides a comprehensive range of credit card services for financial institutions. With our complete outsourcing program and your choice between two of the largest processors, you will enjoy all the benefits of owning your own program without all of the back-room issues. You hold the receivables, determine credit approval, individual credit lines, merchant discount income, and any applicable fees. Experienced support staff guide you through Visa and Mastercard license application, card design, and program set up. FIS provides day-to-day administration of your program as well as optional telemarketing and balance transfer services.