From our MySource card vendor:The following is a status update of the card conversion process and to address questions and concerns that you may have.
The first question to be addressed is why was it necessary to convert to a new platform when the debit card service was already working? The Fiserv platform that we were on prior to the conversion did not allow us to grow and keep up with our growing industry. The new platform allows us to expand our services and provide better service to our clients, your employer clients, and the individual participants.
Long before the conversion process began, much research, development and preparation was conducted by DataPath to ensure there would be minimal impact when we finally made the switch. However, despite our best preparation, we had no way of anticipating the readiness of the other parties involved. The conversion process was not a single party effort, involving just DataPath alone. This also involved coordination and changes made by MasterCard and Fiserv.
At 4:00am CST this past Monday, after the initial phases of the conversion processes, it was discovered that we were not receiving authorization information from MasterCard. MasterCard informed us that they had an issue preventing the proper routing of transactions to us, that it would take 3 days to reverse the changes they had already made, and during which time no cards would be functional. This was not an option for DataPath. After coordination with MasterCard and Fiserv, it was decided that we would move forward to reduce the amount of downtime for our clients and their participants.
Additionally, MasterCard did not provide us with the option to perform the conversion over the weekend, when the impact on our clients and the card participants would have been reduced. Additional changes also had to be implemented by both parties to accommodate the new changes that MasterCard put in place.
Yesterday, at approximately 3:00 pm CST, MasterCard completed their changes, allowing both Fiserv and DataPath to move forward. This also allowed card holders to begin making purchases again. However, until the conversion process has been completed, the cardholders will be limited to temporary “stand-in” purchase restrictions, controlled by Fiserv.
These temporary restrictions include the following:
- $125 daily limit on all purchases
- A restricted list of medical related MCCs for purchase based on the General MCC list previously available in the dpiCMS system.
- No IIAS/SIGIS or 90% Merchant parameter controls. However, IIAS merchants may still authorize only eligible expenses at the point of purchase. These transactions will still download and substantiate according to your system autosub parameters.
Transaction status emails indicating that transactions are resolved, requesting substantiation documentation or money due should still be processed as normal.
The conversion process will continue to be an on-going process as we work towards improving the process and procedures that must be implemented. Steps left to complete include:
- Reinstatement of debit card rules such as IIAS, 90% Merchant and Employer Specific MCC parameters.
- Recording and Displaying of Purse Values on myRSC.com. This situation does NOT prevent the use of the card, in that these values are being uploaded to Fiserv.
- Recording and Display of Authorizations and Declines on myRSC.com.
- Miscellaneous report data.
- Reinstate Card Authorization Emails
We acknowledge the impact this is having for you and your clients and we want to assure you that we have worked around the clock to minimize the impact. All resources are working toward the completion of the conversion process, which will ultimately ensure the service you deserve.
Should you have any additional questions or concerns, please contact Pacific Benefits iFlex, Inc.
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