Protect your cardholders and your credit union from fraudulent card use with
Cardholder Protection, the second layer of CO-OP’s three-tiered debit fraud protection system. Using CO-OP’s Cooperative Authorization or Complete Authorization, along with specific cardholder data, this suite of solutions performs validation and
edits checks during the authorization process. Plus, functions such as card activation and PIN changes can be tightly controlled to further enhance security.

Cardholder Protection fortifies security around both the card and the transaction with
a wide range of automated services.

• Card Activation protects cardholders from fraudulent use of their cards before they take possession of them
• Address Verification limits risk from the growing number of transactions
  taking place online and by telephone.
• Daily Authorization Limits minimize losses from fraudulent “binge” spending.
• And more...

These services make it simple and affordable to take advantage of this extra layer of protection for your credit union members.