jhaPassPort Switch – Real-time ATM and debit card transaction processing solution

Jack Henry & Associates is one of the largest switch processors in the United States. Hallmarked by single-point settlement, high availability, and 24/7/365 support, the jhaPassPort switch is responsible for secure transaction processing through banks’ ATM and debit card networks.

jhaPassPort enables your customers to use their ATM and debit cards for cash withdrawals at any ATM, and debit cards for purchases at any Visa® Check, Discover® Debit, or debit MasterCard™ retail point-of-sale (POS) location worldwide. This turnkey service processes all PIN and signature-based card transactions initiated by customers throughout banks’ proprietary ATM networks, regional and national ATM and debit card networks, and retail point-of-sale terminals.

This solution leverages a high-speed, extremely reliable environment to efficiently support your bank’s specific operating environments and to process transactions in either online or batch environments.

jhaPassPort supports traditional self-service cash transactions as well as advanced ATM services including customer-selected PINs, check deposits, and dispensing of noncash media such as postage stamps. jhaPassPort also supports surcharge-free
networks enabling your customers to easily locate and use surcharge-free ATMs. The jhaPassPort switch automatically monitors the functional status of each ATM in your bank’s network and generates immediate terminal-specific alerts if issues arise.

jhaPassPort is an extremely cost-efficient solution that can leverage existing branch telecommunications or the same data circuit used by Jack Henry Banking’s NetTeller Online Banking solution, eliminating ATM-related communications costs. It
requires a single connection to continuously process transactions through all major national and regional ATM and debit card networks. These sophisticated routing capabilities ensure that each transaction is efficiently processed and the continuous
settlement capabilities ensure accurate, timely settlement with all major networks.

This service supports the industry’s highest security standards, enforcing triple DES encryption, and various levels of fraud detection and protection are available ranging from the ability to block card use by country and/or predetermined MCC
(Merchant Category Codes) codes to sophisticated fraud scoring of each  transaction through the jhaPassPort Fraud Center.

jhaPassPort also leverages Verified by Visa and MasterCard SecureCode™, and performs host-based PIN verification, CVV checking, track 1 name matching, and other edit checks.

jhaPassPort streamlines research and exception management with the automatic consolidation of all transaction information into a single accessible database, automates historically time-consuming functions including address maintenance and new card ordering, and offers a user-friendly reissue program for expiring or compromised cards.

This sophisticated EFT solution accommodates dynamic operating environments, the ongoing addition of ATM terminals, and seamlessly supports near- and long-term transaction volume growth.

This cost-effective, highly reliable solution can enable your bank to generate new revenue streams from cardholder fees and interchange income, enhance customer service and convenience, reduce operating costs, and enhance operating efficiencies through state-of-the industry ATM and debit card programs. The ability to continuously monitor card use also provides your bank with a robust database that can be used to support target marketing and incentive programs, and maximize interchange income.

jhaPassPort is fully integrated with Jack Henry Banking’s core processing solutions – SilverLake System®, CIF 20/20®, and Core Director® – and our sophisticated transaction processing and authorization solutions – jhaPassPort.pro and jhaPassPort Direct.

jhaPassPort is competitively distinct because of its superior integration with our core processing systems. Download a brochure about jhaPassPort's extensive lineup of integrated complementary products using the links below.

Click here for the integration brochure for SilverLake System® and CIF 20/20®.
Click here for the integration brochure for Core Director®.

Click on the links below for additional information:

Download a brochure now
Read what our banks are saying about jhaPassPort
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