What TSYS does

TSYS (Total System Services LLC) is a US-based payment issuing and processing platform founded in the 1970s and headquartered in Columbus, Georgia. Following Global Payments' 2019 merger with TSYS and FIS's January 2026 acquisition of Global Payments' Issuer Solutions business, the company now operates as FIS Total Issuing Solutions. TSYS provides cloud-native, API-first, microservices-based card issuing infrastructure serving financial institutions, fintechs, and retailers across 75+ countries. The platform processes 32-35 billion transactions annually across 875 million accounts and supports the full issuing lifecycle including digital onboarding, payment processing, fraud and risk management, authentication, activations and rewards, loyalty, data and portfolio analytics, and service/CRM. Proprietary AI-driven capabilities include the Foresight Score ML fraud model, Advanced Authentication suite (facial, fingerprint, voice, and behavioral biometrics), and CardGuard authorization decisioning tools.

The platform integrates with the major card networks (Visa, Mastercard), supports digital wallet provisioning (Apple Pay, Google Pay, Samsung Pay), and operates real-time payment rails (FedNow, RTP) alongside card-based B2B payment solutions. TSYS holds the leading third-party issuer processor position in the US, Canada, UK, Ireland, and for commercial cards in North America (90%+ of US commercial cards). Specialized vertical solutions address fintech greenfield programs, commercial cards (purchasing, T&E, fleet, epayables), healthcare benefit administration (HSA/HRA/FSA), and retailer private label and co-branded programs.

TSYS generates revenue primarily through transaction-based fees for issuer processing services to financial institutions and fintechs, supplemented by enterprise contracts with retailers and commercial banking clients. Go-to-market is enterprise-led through direct sales teams and an API/developer portal for technical integration, with pricing structured on a quote-based, multi-year basis. The company maintains a global ecosystem of technology partners (AWS as preferred cloud provider, FICO, Salesforce, Featurespace, Extend, Experian, Prove, Arcot, Bakkt) and consulting partners (PwC), and operates a marketplace (marketplace.tsys.cloud) for additional microservices.

Name

TSYS

Legal name

Total System Services LLC

Website

https://tsys.com

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

TSYS is a US-based payment issuing platform providing cloud-native, API-first card processing infrastructure to financial institutions, fintechs, and retailers across 75+ countries, now operating as FIS Total Issuing Solutions following FIS's January 2026 acquisition.

Ownership category

akta.pro rank

Product category

Payment Issuing Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

akta.pro secondary industries

Instant Payment Scheme Connectivity & Processing (e.g., FedNow, SEPA Instant, Faster Payments) (FSAMAHAD), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK), Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)

Keywords

• Payment processing services
• Card issuing platform
• Fraud management solutions
• Commercial card programs
• Fintech payment infrastructure

Headquarters

HQ city

Columbus

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Payment Issuing and Processing Services: TSYS provides issuer processing services for credit and debit cards, charging financial institutions and fintechs for transaction processing, account management, and related services. Revenue is generated through transaction fees and processing charges for card issuing operations.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

TSYS provides cloud-native, API-driven card issuing and payment processing solutions for financial institutions, fintechs, and retailers. The platform covers the full issuing lifecycle—from digital onboarding, credit and debit payment processing, fraud and risk management, and authentication to loyalty, activations, rewards, and data analytics—processing over 32 billion transactions annually across 875 million accounts in 75+ countries.

Product overview

TSYS operates as a comprehensive payment issuing platform, now integrated as FIS Total Issuing™ Solutions following FIS's 2026 acquisition of Global Payments' Issuer Solutions business. The platform uses a cloud-native, API-first microservices architecture enabling modular deployment of issuing capabilities. Core platform modules include digital onboarding, payment processing, authentication, fraud/risk management (featuring Foresight Score ML scoring, CardGuard, Authorization Decision Strategies, and Determinator), activations/rewards, loyalty, data analytics, and CRM. Specialized solutions address specific verticals: fintech greenfield programs, commercial cards (purchasing, T&E, fleet, epayables), healthcare benefit administration (HSA/HRA/FSA), and retail private label/co-branded cards. The TSYS Marketplace provides additional microservices including wallet provisioning and transaction enrichment. The platform processes 35 billion transactions annually across 875 million accounts in 75+ countries, supporting Visa, Mastercard, and digital wallets.

Differentiator

Problem solved

Functional benefit

Products and services

• FIS Total Issuing Solutions Cloud-native, API-first platform providing end-to-end card issuing solutions including digital onboarding, payment processing, fraud management, authentication, loyalty, and data analytics for banks, fintechs, and retailers across 75+ countries processing 35 billion transactions annually.
• TSYS Advanced Authentication Machine learning and AI-driven authentication solution using biometrics (facial, fingerprint, voice), device recognition, behavioral analytics, and email verification to confirm genuine account holders. Supports risk-based approach integrated with channel interfaces, processes approximately 60 million B2B transactions annually, and meets PSD2 Strong Customer Authentication requirements.
• Foresight Score Machine-learning fraud scoring model customized to each issuer's specific card portfolio, providing more stable and targeted fraud detection than generic consortium models. Sits atop rule hierarchy with configurable filtering criteria enabling issuers to reduce losses and improve approval rates.
• CardGuard Fraud work management platform supporting queue strategies, one-off authorization decisioning, and Authorization Decision Strategies priority capabilities. Enables granular real-time filtering of authorizations within the TSYS fraud ecosystem.
• Authorization Decision Strategies (ADS I and ADS II) Real-time authorization decisioning at point of sale, allowing clients to build priorities and decision trees for transaction authorization. Enables granular control over how Foresight Score feeds into fraud ecosystem components.
• Determinator Customizable scripting tool using a larger pool of decision parameters for fine-grained transaction decisioning. Can work independently or in conjunction with CardGuard and Authorization Decision Strategies.
• Fintech Solutions (Greenfield Programs) Out-of-the-box solutions enabling end-to-end digital card programs for de novos, neobanks, and financial innovators, supporting quick account creation, branded interfaces, real-time reporting, and flexible scaling for rapid market entry with minimal raised capital requirements.
• Commercial Card Solutions Full-stack commercial card offering including purchasing cards, travel and entertainment (T&E), fleet cards, combo cards, epayables, and small business cards for commercial and corporate banking. North America's #1 commercial issuer processor handling 90%+ of commercial cards in the US with configurable spend controls and compliance expertise.
• Virtual Card Solutions Digitized accounts payable with virtual payments issued and used immediately. Features single-use or limited-use card numbers with spending limits, merchant category restrictions, and expiration controls for B2B payment security and automated reconciliation.
• Healthcare Payment Solutions Streamlined debit and prepaid processing for healthcare benefit administration including Health Savings Accounts (HSAs), Health Reimbursement Arrangements (HRAs), Flexible Spending Accounts (FSAs), transit/commuter programs, and wellness incentive programs for third-party administrators and healthcare technology providers.
• Retail Card Solutions Private label and co-branded card programs for retailers, including instant application and activation (online or at point of sale), customized offers and finance terms, buy now pay later options, and rewards programs. Integrated with major card networks for acceptance across physical and digital channels.
• Wallet Provisioning End-to-end card-to-wallet provisioning enabling secure digital wallet integration. Connects physical and virtual cards to digital wallets to power more transactions through the TSYS Marketplace.
• Transaction Enrichment Provides transparent transaction information with item-level purchase details, reducing disputes and enhancing customer clarity through enriched transaction data, available via the TSYS Marketplace.

Quantifiable outcome

• 40% reduction in gross fraud claims for Citizens Bank using Foresight Score
• +3 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability14 records

Feature7 records

Partnerships

14 partnerships are on record, tiered core and supporting.

• ExtendcoreTechnology or IntegrationExtend's mission is making payment innovation accessible. With TSYS, businesses get solutions while keeping their trusted bank partner and existing credit cards, and banks can offer competitive payment services without changes to their tech stack or lengthy vendor onboarding. Partnership enables virtual card and payment innovation capabilities.
• FICOcoreTechnology or IntegrationFeatured as a technology partner on TSYS partner page, providing scoring and analytics capabilities integrated into the payment platform.
• SalesforcecoreTechnology or IntegrationPartnered with Salesforce for CRM integration, enabling seamless customer relationship management within the TSYS payment ecosystem.
• ecolytiqcoreStrategic or Co-development Partnerecolytiq and TSYS are at the forefront of green banking transformation, fighting climate change together. Partnership brings sustainability expertise and green banking technology, embedding it in banking apps to enable customer climate action.
• Amazon Web Services (AWS)coreTechnology or IntegrationAWS is the preferred cloud provider for issuer processing. Collaboration with AWS enables cloud-native payment solutions. AWS provides infrastructure for TSYS's cloud-native platform deployment.
• MastercardcoreTechnology or IntegrationPayment network partner enabling card processing and acceptance across the TSYS issuing platform.
• ProvesupportingTechnology or IntegrationIdentity verification and authentication technology partner, providing phone-based identity verification capabilities.
• ArcotsupportingTechnology or IntegrationAuthentication and identity management technology partner, part of TSYS's authentication ecosystem.
• PwC (PricewaterhouseCoopers)coreImplementation/ SI/ Consulting PartnerJoining forces with Global Payments enables PwC to help deliver comprehensive solution sets so clients can move faster and stay competitive in digitally-driven industries that are moving at unprecedented speed. Strategic consulting and implementation partner.
• FeaturespacecoreTechnology or IntegrationTSYS recognized the potential of Featurespace's technology years ago. Together they built a card model which dynamically shifted to protect transactions from fraud - spurring new products that now protect transactions globally. Partnership underpinned by trust built between organizations.
• VisacoreTechnology or IntegrationPayment network partner enabling card processing and acceptance across the TSYS issuing platform.
• BakktsupportingTechnology or IntegrationDigital wallet and cryptocurrency integration partner, expanding TSYS's digital asset capabilities.
• ExperiansupportingTechnology or IntegrationCredit bureau and data partner providing credit reporting and identity verification services integrated into the issuing platform.
• FIScoreStrategic or Co-development PartnerFIS completed strategic acquisition of TSYS Issuer Solutions business from Global Payments in January 2026. TSYS now operates as FIS Total Issuing™ Solutions, combining TSYS's issuer solutions with FIS's platform modernization efforts including cloud-based real-time data architecture.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat6 records

Key highlights7 records

Customer concentration

• Xx.com/tsys_tss
• YouTubeyoutube.com/user/TSYSCorporate
• Facebookfacebook.com/tsys1
• LinkedInlinkedin.com/company/tsys

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A10 records

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TSYS