FAQ

The FSP Premium Program is an invite-only program that enables established organizations to operate as a true Full-Service Provider (FSP) under Fiserv. It provides partners with a fully branded environment, dedicated system access, and the infrastructure typically reserved for processors.

As a registered Fiserv FSP, the FSP Premium Program provides partners with multiple sponsor bank relationships, dedicated BINs and ICAs, and direct certifications with all major debit networks (Interlink, STAR, Accel, NYCE), allowing for control over PIN debit routing.

The FSP Premium Program processes over $35 billion annually across more than 250 million transactions, powering a nationwide network of partners, ISOs, and merchants.

To qualify, a group must demonstrate operational readiness, including:

• A Physical U.S.-Based Office and staffed operations.
• Defined Internal Workflows for first-pass underwriting, onboarding, and support.
• Internal Teams dedicated to functions like boarding, deployment, and agent support.

Partners have 7 distinct ways to implement fees during merchant boarding, which are grouped into three main categories: Account Fee Flags (Flags 1 through 5), Recurring Fee, and One-Time Fee.

The Recurring Fee is the most flexible option. It is the only fee type where you can instantly set a custom amount, frequency, and statement descriptor (e.g., "Software Access Fee") during boarding without relying on back-end configuration.

Account Fee Flags (Flags 1-5) are best for structured fees and recurring portfolio-wide programs like Statement Fee or PCI Program Fee. While the amounts can be customized during boarding, the descriptions are fixed in the mainframe.

Use the One-Time Fee option for quick, upfront charges like setup, hardware, or activation fees. It posts once and appears with the fixed statement descriptor "One-Time Fee."

AccessOne provides partners with real-time visibility into merchant activity, batch behavior, and account-level thresholds, which is essential for effective risk management and maintaining long-term portfolio health.

Partners can review Suspended Batches flagged for risk issues (e.g., high ticket amounts or excessive keyed transactions). They can view the Exception Codes that explain why the batch was suspended and compare a merchant's actual behavior against preset thresholds.

No. AccessOne provides full visibility to monitor Transaction Limit Monitoring (PTS), but the actual edits to account-level thresholds must be handled by the FSP Premium Program's Risk Management team.

The FSP Premium Program has built a fully integrated, Fiserv-certified gateway that gives partners the ability to board, route, and report on their merchants without the limitations of needing to integrate and manage third-party gateway providers.

Yes! It's the only Dual FSP on Fiserv's North & Omaha platforms with same-day funding, PayFac functionalities, and much more which all will be live in Q2 of 2026.