Network Certification

Card processing networks act as an intermediary between an acquirer and an issuer in the authorization of credit card and/or debit card transactions.

Card Networks offer important services to Acquirers and their merchant clients by their participation in SIGIS through the authorization of FSA/HRA debit card transactions and ensuring they meet the IIAS requirements. Card Networks also ensure Card Issuer’s and Plan Administrators that IIAS transactions are only generated from a Certified Merchant.

SIGIS requires any network that uses and supports the SIGIS Technical Specification to process IIAS transactions to become certified.

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Related FAQs

Are Networks required to be SIGIS certified?

Related FAQ

Are Networks required to be SIGIS certified?

Networks are only required to be SIGIS certified if they wish to use the SIGIS standards for IIAS and 90% transaction processing to support FSA / HRA cards for SIGIS certified merchants. Networks that are not SIGIS certified, that process FSA / HRA card transactions across their network will see high card declines as the issuer / plan administrator will not have the required information to approve the transaction per IRS regulations for support an IIAS or 90% system.
Are the certification requirements different for PIN Networks than for Signature Networks?

Related FAQ

Are the certification requirements different for PIN Networks than for Signature Networks?

No, the certification requirements are the same for both network types. For those organizations that support a PIN network and a signature network, a separate certification must be completed for each network type.

NOTE: The certification process for both network types is the same; however there may be a difference in the standards requirements. Click here to view the IIAS Transaction Specification.

Related Publications

SIGIS Member Networks