Debit Processing Solutions

Debit card processing engineered to scale

Managing debit card programs shouldn’t require stitching together systems, tools and vendors. Peregrine™ by SHAZAM centralizes debit processing solutions into a unified payments environment — giving financial institutions and fintechs clearer visibility, greater efficiency and measurable performance gains across every transaction.

With end‑to‑end debit processing capabilities, Peregrine™ reduces operational friction while strengthening uptime, compliance alignment and cardholder experiences.

As part of the Peregrine™ debit solution, SHAZAM provides a full suite of support services designed to help both financial institutions and fintechs maximize the value of their debit programs. Our marketing consulting services help promote debit usage and deepen customer engagement. We also offer CRM support for dispute resolution, inventory management for card plastics and business support services that streamline back‑office operations.

SHAZAM can also manage disputes on behalf of issuers — handling cardholder claims and disputed transactions quickly and professionally — so your team can stay focused on serving your customers and scaling your program.

Debit card issuance

Issue debit cards faster, activate them instantly and deliver them to cardholders without delays or operational handoffs. Peregrine™ supports instant issue, reissue and virtual debit card issuance within a single, secure debit card processing environment — helping you shorten time to first transaction and support portfolio growth.

By unifying card production, activation and monitoring, you gain stronger visibility and control across your program, while cardholders experience a consistent, seamless issuance journey.

Card controls

Give cardholders more control without sacrificing oversight. Brella^® lets users manage spending and account activity with alerts, limits and on‑demand controls to help prevent fraud, reduce disputes and improve confidence at the moment of transaction.

Because controls are tightly integrated with Peregrine™ real‑time processing, you maintain clear visibility while cardholders enjoy a simple, intuitive way to manage their debit cards across everyday and digital payment scenarios.

Fraud management

Safeguard every debit transaction with real‑time fraud protection embedded directly into your processing environment. Peregrine™ evaluates activity as it happens, making it easier to stop fraud early without frustrating cardholders.

By unifying detection, decisioning and resolution in a single platform, you simplify operations, respond faster and maintain consistent controls across channels — resulting in fewer losses, improved compliance and smoother cardholder experiences.

Dispute resolution

Debit disputes are no longer just a compliance task — they’re a moment of truth for cardholder trust and debit performance. SHAZAM delivers layered dispute resolution services that extend from fraud management within the Peregrine™ debit processing environment.

Whether you manage disputes internally or you rely on SHAZAM's expert‑led services with Dispute Partner Plus™, SHAZAM helps community banks and credit unions reduce costs, strengthen recovery and protect interchange without sacrificing control.

Data & analytics

Turn debit card transaction data into actionable insights that inform strategy, not just reporting. Business Intelligence Services™ by SHAZAM connects directly into the Peregrine™ payments processing, giving you greater visibility into performance, trends and risk across your debit portfolio.

These insights support smarter routing decisions, proactive fraud monitoring and long‑term debit program planning — helping optimize today’s performance while preparing for future growth.

Stop wasting your time with big box vendors and one-size-fits-all programs.

SHAZAM partners every day with financial institutions to create the right program to fit their individual needs. Programs are not one-size-fits-all, because neither are you. With Peregrine™ processing solutions, our expert Client Executives work directly with financial institutions to learn about your needs and build a program that fits.

Built for real‑time decisioning

Peregrine^™ debit solutions operate in live processing environments, enabling instant authorization, controls and updates so you can respond without downstream risk.

Designed to reduce operational friction

Embedded workflows and native integrations minimize manual handoffs and duplicated work, helping you operate more efficiently as transaction volumes grow.

Transparency built into every transaction

Transaction‑level insight and real‑time reporting give you clear, actionable visibility into performance, risk and cardholder activity across your entire debit portfolio.

Backed by payments expertise

From implementation through optimization, Peregrine^™ combines proven payments knowledge with responsive, U.S.-based support focused on long‑term success.

Why financial institutions choose Peregrine™ debit processing solutions

Peregrine™ combines modern infrastructure, national network connectivity and experienced U.S.‑based support to deliver debit card processing designed specifically for community banks and credit unions.

We proudly offer:

Unified, real‑time debit card processing
Simplified payments processing and vendor management
Embedded fraud management and compliance workflows
Scalable performance with proven uptime
Responsive, knowledgeable client support

When every debit card transaction matters, Peregrine™ delivers the control and confidence you need.

Bringing your debit strategy together

Debit card processing touches every part of your institution — operations, risk, compliance and cardholder experience. Peregrine™ brings those priorities together in a single, real‑time platform designed to help you operate with confidence.

By unifying debit card issuance, cardholder controls, fraud management, dispute resolution and analytics, Peregrine™ simplifies complexity while delivering the visibility and control modern debit programs demand. The result is stronger performance today and a scalable foundation for what comes next.

Ready to modernize debit card processing without compromising governance or reliability?

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Debit card processing engineered to scale

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Stop wasting your time with big box vendors and one-size-fits-all programs.

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