Member Access Processing

What Member Access Processing does

Member Access Processing (MAP), founded in 1999 and headquartered in Seattle, Washington, is a privately held Credit Union Service Organization (CUSO) that delivers end-to-end card payment processing and related financial services exclusively to US credit unions. The company's platform is anchored on the Visa Digital Processing Services (DPS) platform and spans authorization processing, risk and fraud management (Falcon/VAA, Managed Real-Time, Risk Service Manager, Visa Secure/ICAS, and the proprietary MAP Defense), network gateway routing, card plastics/issuance, instant issuance, settlement and billing, dispute management, ATM terminal driving, campaign management, and a digital banking layer (payment companion app, card controls, digital credentials, account opening, and online lending via EasyVest). Supporting infrastructure runs on AWS, Google Cloud, and Microsoft, with Salesforce for CRM, and integrates with core processors (CUAnswers, Corelation) and member-experience partners (Glia, Equipifi). Revenue is generated through transaction-based processing fees for debit/credit/prepaid card authorization, clearing, and settlement; managed services for card portfolio operations and ATM terminal driving; recurring/subscription revenue from intelligence products (MAP Defense fraud prevention and MAP Data analytics); and fees for campaign and marketing services. Pricing is custom and quote-based, structured around multi-year enterprise contracts, with no public pricing disclosed. MAP serves a named-client base of 16+ credit unions across at least eight US states, including WSECU, SELCO Community, Gesa, Unify Financial, Verity, Bluestone Federal, Connection, Palmetto Citizens Federal, TwinStar, and Unitus, with distribution driven by an enterprise field sales motion, a dedicated Director of Relationship Management & Business Development, a recently appointed Chief Revenue Officer, and a Client Advisory Board that doubles as a reference network. The operating model is supported by a C-suite (CEO, COO, CIO, CFO, CRO, CMO, CCO, CSO) and marketing reach spanning a blog (Payment Pathways), LinkedIn, email, and credit union industry events (CrossState Connect, Corelation Client Conference, Visa Payments Forum). Sub-brands MAP Defense, MAP Data, and MAP Plastics signal a deliberate move into intelligence-as-a-service and card fulfillment as distinct monetization lines.

Name

Member Access Processing

Legal name

Member Access Processing

Website

https://maprocessing.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Member Access Processing (MAP) is a US Credit Union Service Organization (CUSO), founded in 1999 and headquartered in Seattle, providing end-to-end debit, credit, prepaid, ATM, and digital payment processing on the Visa DPS platform exclusively to US credit unions.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Finance Services (6199)

akta.pro primary industry

Card Clearing & Settlement (Interchange, Network Settlement) (FSABAJAJ)

Keywords

• Credit card processing
• Debit card processing
• Payment processing services
• Card portfolio management
• Fraud prevention services

Headquarters

HQ city

Seattle

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing Services: MAP generates revenue through payment processing fees charged to credit unions for transaction authorization, clearing, and settlement services across debit, credit, and prepaid card portfolios.
2. Card Portfolio Management: Revenue from managing credit union card portfolios including cardholder management, risk management tools, dispute management, and ATM terminal driving services.
3. Intelligence Solutions: Revenue from MAP Defense (fraud prevention) and MAP Data (analytics) solutions provided to credit union clients.
4. Campaign and Marketing Services: Fees for campaign management solutions including MAP Campaign Solutions and Visa Campaign Solutions for cardholder engagement and portfolio growth.
5. Settlement and Billing Services: Revenue from single-point settlement services and transparent billing solutions for credit unions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

Member Access Processing (MAP) is a Credit Union Service Organization (CUSO) that provides full-service debit, credit, prepaid, ATM, and mobile card processing solutions exclusively to credit unions. Its offering combines Visa DPS Platform-based authorization, clearing, and settlement with card portfolio management, fraud prevention (MAP Defense), analytics (MAP Data), dispute management, ATM terminal driving, and member engagement services. MAP delivers these capabilities as a single integrated payment processing partner, with single-point daily settlement and 24x7x365 member cardholder support.

Product overview

Member Access Processing (MAP) is a Credit Union Service Organization (CUSO) providing a comprehensive, platform-based card processing ecosystem for credit unions. The core offering centers on debit/credit card processing with Authorization Processing as the foundational service, supported by Risk Management tools (Falcon/VAA, Managed Real-Time, Visa Secure), Network Gateway, MAP Plastics, and Instant Issuance. The platform extends across three main solution pillars: Member Engagement (Call Center Support, Campaign Solutions, ATM Terminal Driving, Digital Member Service, Loyalty Rewards, Dispute Management), Digital Banking (Payment Companion App, Omni Channel Banking, Digital Credentials, Account Opening, Online Lending/EasyVest, Card Controls & Alerts), and Payment Integration (APIs/SDKs, Implementations/Conversions, Testing & Certification). Supporting infrastructure includes Cardholder Management (Card & Account Maintenance, Card Fulfillment, CATS Interface), Reports & Analytics (On-demand Reports, VDM, Data Analytics), Campaign Management (MAP Campaign Solutions, Visa Campaign Solutions), Settlement & Billing (Single-Point, Daily, Transparent), and Intelligence Solutions (MAP Data, MAP Defense).

Differentiator

Problem solved

Functional benefit

Brands

• MAP Defense: Fraud prevention and defense intelligence solutions
• MAP Data
• MAP Plastics

Products and services

• Debit/Credit Card Processing End-to-end debit and credit card processing service for credit unions, providing authorization, clearing, settlement, and supporting capabilities such as instant card issuance, buy now pay later, and physical card production through MAP Plastics partners.
• Prepaid/Gift Card Processing Processing service that enables credit unions to issue and manage prepaid and gift card programs for their members, with transaction processing and program management capabilities.
• Member Engagement Solutions Suite of services that helps credit unions engage and support their members, including 24x7x365 call center support, ATM terminal driving, digital self-service, loyalty rewards, campaign management, and dispute resolution.
• Digital Banking Solutions Digital banking services for credit union members, including a Payment Companion App, omni-channel banking, digital card credentials and tokenization, digital account opening, online lending (EasyVest), and real-time card controls and alerts.
• Payment Integration Services Integration services for credit unions connecting to the MAP processing platform, including APIs and SDKs, migration and implementation support, testing and certification, and support for ISO 8583 and ISO 20022 message formats.
• Cardholder Management Platform for credit unions to manage card and account lifecycle, including card and account maintenance, card fulfillment, instant issuing, and the CATS (Cardholder Activity Tracking System) interface.
• Risk Management Services Fraud prevention and risk management suite for credit union card portfolios, leveraging Falcon/VAA (Visa Advanced Authorization), Managed Real-Time monitoring, Risk Service Manager, and Visa Secure (ICAS).
• Dispute Management End-to-end dispute resolution services for credit unions, including dispute intake and processing, member support throughout disputes, and transaction research.
• ATM Terminal Driving Full-service ATM management for credit unions, including terminal driving, ATM administration, surcharge-free network participation, and system monitoring.
• Member Support Services Member support services for credit union cardholders, including 24x7x365 call center, mobile digital app, digital member support tools, and omni-channel banking experiences.
• Reports and Analytics Reporting and data analytics service for credit unions, including on-demand reports, Visual & Data Insights (VDM) dashboards powered by Visa Data Manager, and portfolio data analytics.
• Campaign Management Solutions Marketing campaign management service for credit unions, including MAP Campaign Solutions, Visa Campaign Solutions (VCS), and ATM campaigns to drive cardholder acquisition, activation, usage, and portfolio growth.
• Settlement and Billing Services
• MAP Defense (Fraud Intelligence) Branded fraud prevention and risk management intelligence solution that helps credit unions proactively manage and mitigate fraud risks through expert guidance and real-time monitoring.
• MAP Data (Analytics Intelligence) Branded data analytics and business intelligence solution providing portfolio performance analytics, fraud data, interchange data, and insights on cardholder behavior, merchants, and transactions for credit unions.
• MAP Plastics (Card Fulfillment) Branded physical and digital card production and fulfillment service for credit union debit and credit cards, delivered through MAP's plastics partners (Arroweye, CPI).

Quantifiable outcome

• WSECU transformed its card program and saved over $100K
• +3 more outcomes

Named customers16 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability1 record

Feature9 records

Partnerships

Seven partnerships are on record, tiered core.

• VisacoreTechnology or IntegrationPrimary payment network partner providing the DPS Platform infrastructure for MAP's payment processing services. Visa enables authorization, clearing, settlement, fraud prevention tools (Visa Secure, Falcon/VAA), and campaign solutions (Visa Campaign Solutions) for credit union clients.
• CUAnswerscoreTechnology or IntegrationCredit union technology solutions provider partnership providing core processing integrations and cooperative services for MAP credit union clients.
• CorelationcoreTechnology or IntegrationTechnology partner providing core processing solutions for credit unions. MAP participates in Corelation Client Conference as a partner.
• AWS (Amazon Web Services)coreTechnology or IntegrationCloud infrastructure platform partnership providing scalable computing, storage, and services for MAP's payment processing platform.
• Google CloudcoreTechnology or IntegrationCloud infrastructure platform partnership for MAP's technology stack and data analytics capabilities.
• MicrosoftcoreTechnology or IntegrationCloud platform partnership providing enterprise software, productivity tools, and Azure cloud services for MAP operations.
• SalesforcecoreTechnology or IntegrationCRM partnership for customer relationship management and client engagement for MAP's credit union client base.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Corelation: Corelation provides the KeyStone core processing platform used by many credit unions and is a named MAP technology partner. While primarily a core processor, it increasingly bundles payments-adjacent capabilities and overlaps with MAP on credit union GTM and integration depth.
• Payveris: Payveris provides digital payments and money movement platforms to credit unions and community banks, overlapping with MAP on digital payment integration, real-time payments, and cardholder self-service capabilities.
• CU*Answers: CU*Answers is a CUSO technology and processing cooperative providing core processing, digital, and payments services to credit unions. Comparable as a credit-union-cooperative technology vendor; a named MAP partner and adjacent competitor for some shared services.

Broad incumbents

• Fiserv: Fiserv is a major incumbent providing card processing, core banking, and digital solutions to credit unions and banks through platforms like DNA. Comparable on debit/credit processing, settlement, and digital capabilities, though serving a much broader market including large banks.
• Temenos: Temenos is a global banking software vendor offering core, digital, and payments platforms to banks and credit unions. While serving a much broader market globally, Temenos competes for the same digital banking and card-adjacent workloads at larger credit unions and community banks.
• Jack Henry & Associates: Jack Henry serves credit unions (via Symitar and other core platforms) with integrated card processing, digital, and lending solutions. While broader than MAP, Jack Henry competes for the same mid-market credit union card-processing wallet with a deeper core-processor footprint.
• FIS (Fidelity National Information Services): FIS is a global payments and processing incumbent serving credit unions and banks with card issuing, processing, and digital banking. Comparable on transaction processing and risk management, with much broader geographic and segment reach than MAP.

Others

• Open Lending: Open Lending provides lending enablement technology to credit unions and banks. While focused on indirect auto lending rather than card processing, it competes for the same credit-union technology wallet and is a useful adjacent reference for credit-union SaaS economics.

Direct peers

• PSCU (Co-op Solutions): PSCU (now part of Co-op Solutions) is a CUSO providing credit and debit card processing, fraud mitigation, and analytics to credit unions. Highly comparable on core card processing, risk management, and credit-union-only GTM, making it MAP's closest scale competitor.
• CO-OP Financial Services: CO-OP is the largest credit-union-owned CUSO, providing card processing, payments, ATM, and fraud services to thousands of US credit unions. It is MAP's most direct competitor, offering a similar CUSO-exclusive model with overlapping debit/credit, ATM, and digital capabilities.

Market position

Strengths3 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/mapcuso
• Facebookfacebook.com/maprocessing
• LinkedInlinkedin.com/company/member-access-processing

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Member Access Processing