“This is not really something for the regular reissuing expiring cards,” Calabro said, “both because those files are really very large and because you aren't going to make someone just getting a card reissued to come all the way into the branch.”

In addition, providing instantly issued cards requires a credit union to comply with regulations from Visa and MasterCard overseeing the storage and handling of the card stock as well as the data necessary to produce the cards. It's the latter security that Calabro said Cards in an INSTANT can help eliminate.

“Most of the security requirements around handling live card stock are similar to those for handling large amounts of cash or other negotiable instruments,” he said. “But if a credit union uses our cloud-based Cards in an INSTANT it will not have to worry about keeping the data for creating a new card on its own computers,” he said.

Calabro explained Shoreline works closely with a credit union's core processor so that when a request for a new account is made, the data unique to the member and the member's new card both arrive at the branch printer at the same time.