Introducing CardWise!

What is CardWise?

CardWise is the new way to manage your Integris Credit Union credit card with security and ease!

CardWise Online and Mobile is a powerful digital tool that allows you to manage your credit card account with ease. With CardWise Mobile, you can take full control of your financial well-being by accessing your Collabria credit card account anytime, anywhere. The user-friendly online and mobile app interface offers a seamless experience on both your desktop and mobile devices. With its advanced features and intuitive design, managing your credit card account has never been easier!

You’ll be able to enjoy the benefits available today, with continuous improvements to features and functionality to follow. Use the mobile app or online platform to view your balance, customize transaction alerts and controls, block merchants, and more – all in one place.

The CardWise mobile and online experiences will replace MyCardInfo (MCI) for Personal cardholders, offering members an enhanced user experience that meets and exceeds industry-aligned capabilities.

Features of CardWise

CardWise Online and CardWise Mobile make it easy and safe for you to manage your digital cards. You can have peace of mind knowing that you have full control over your cards and can easily manage them using features such as:

View Your Digital Card for eCommerce Transactions: You can view your Card details for eCommerce transactions (card number, expiration date, and CVV2) in the app using step-up authentication.
Push to Mobile Wallet: You can use this feature to push your card details to Apple Pay or Google Pay.
View Enriched Transaction Data: You can view enriched transaction details and history and tag transactions with CardWise.
Custom Alerts & Controls: As a replacement for Smart Controls, you can customize transaction and location alerts and controls within a variety of categories – location, region, merchant category, merchant type, and more.
View Spend Insights: You can view your spend details at a convenient glance with the ability to filter data by spend category or location, and view monthly trends to remain in control of your financial health.

How to Sign Up/ Enroll

Cardholders can enroll for CardWise through the CardWise Mobile app on their mobile
device or CardWise Online via your computer’s web browser.

For quick and easy registration, have the following ready:

Your physical card
Your email address that is on file with Collabria (typically, the email address provided
at time of application). Contact the number on the back of your card if you require
support.
Download the CardWise Mobile app from the Apple or Google app store (based on
device) or navigate to CardWise Online via www.cardwiseonline.ca.
Enrolling in CardWise

1. Open the CardWise Mobile app on your mobile device or on your computer, go to CardWise Online: www.cardwiseonline.ca.

2. Click New User.

3. On the User Registration page, enter the full 16 Digit Card Number and click Next.

4. Enter Security Code (CVV/SEC) and Expiration Date (MM/YY) from the back of the card and click Next.

5. You’ll now be moved to the User Verification page. As part of enhanced security protection, a security token will be sent to the email address provided. Once this is received enter it on screen and click Next.
Check your email’s “Junk/Spam” folder if the security token is not in your inbox. If the email goes here, mark sender as safe for future emails.

6. Read and accept the Terms & Conditions and the Privacy Policy as displayed.

7. On the Create New Account screen:

a) Enter your email address that is on file with Collabria.
b) Click to use this email address as the Username or create a unique Username.
c) Enter a Password which meets the required criteria listed.
d) Re-enter the Password
e) Enter User Full Name
f) Click Next.

Registration is now complete.

Note: the first log in may take a few moments as the card(s) are added to the account.

Set your communication preferences.

Upon first log in you may be prompted to confirm your preferences for receiving communications from CardWise. You can choose to receive communications via email, SMS, or both.

To update your preferences, from the main menu, select Settings » Personal Information and make the applicable preference selections. If you need to update contact information call the number on the back of your card for assistance.

How to Enroll for CardWise: Video Tutorial

How to Customize Your Credit Card Alerts and Controls in the CardWise App: Video Tutorial

Didn’t receive a user verification email during the registration process? Check your email’s “Junk/Spam” folder and mark the sender as ‘safe’ for future emails.

Personal Cardholder FAQ’s

As both platforms remain available, you will continue to have access to both, however it is recommended that CardWise be used as your primary platform to fully experience its features.

As the platform becomes available to cardholders from your credit union, you’ll begin receiving email notifications inviting you to view your credit card statements on CardWise in addition to your current MyCardInfo notification. These emails will come from donotreply@coop.org and look slightly different from your MyCardInfo emails at first. Rest assured that they are accurate, timely and are in development for future enhancements.

CardWise will begin showing your account statements beginning the first statement cycle following registration. Past statements will remain on MyCardInfo for a period of time, but for ease, we encourage you to download your previous statements.

Yes. Your e-Statement preferences selected in MyCardInfo will be transferred to CardWise. Once CardWise becomes available for your credit union, you will begin to receive email notifications to inform of your monthly statement availability on both MyCardInfo and CardWise.

As it meets your needs, you are encouraged to begin accessing your monthly statements on the CardWise platform. Once registered, you may update your statement delivery preference within the CardWise Mobile app or through the online platform.

As we continue to improve the innovative features and functionality of CardWise, your CardWise statements may look slightly different from your e-Statements in MyCardInfo/paper statements. Rest assured that they are accurate, timely and are in development for future enhancements.

Any Auto-Pay set ups on your MyCardInfo account will be transferred to CardWise once you have completed registration.

Registration and features between the online and mobile experiences are like-tolike. You can login into either experience to view the functions and features of CardWise.

No. For security and authentication purposes, multiple cards added to a single CardWise login must be part of the same financial institution. If you have a credit card account with another institution who is also on CardWise, you must create a unique application login for each credit card account using a unique email address for each account.

You may register both your Personal and Business credit cards for CardWise provided they are issued by the same credit union or financial institution. The initial launch of CardWise online and mobile are designed to support cardholders who use their card for day-to-day personal needs such as transaction monitoring, customization of controls and alerts, keeping a close eye on their spending habits and trends, and more.

The more complex administrative needs of some Business cardholders, such as Consolidated Pay accounts, that require control account payments and sub-account monitoring, are best being continued on MyCardInfo.

Business Cardholder FAQ’s

CardWise online and mobile registration access is being opened up to Credit Unions in phases. If you attempt registration before your Credit Union’s ‘wave’, you will receive a message advising that the app is not available for registration at this time. You will be able to register for the platform when your institution’s designated wave begins. To check when your Credit Union will launch CardWise, visit collabriacreditcards.ca/MyAccount.

Yes. As both platforms remain available, you can continue to use both as it fits your digital account management needs.

Yes. Registration and features between the online and mobile experiences are like-to-like. You can login into either experience to view the functions and features of CardWise.

Although the payments function will appear in CardWise to Business cardholders on both an Individual and Consolidated billing structure, at present, Control Accounts are not provisioned in CardWise. Businesses that are set up on a Consolidated pay structure must therefore continue to make online payments through the MyCardInfo platform to avoid missed payments or discrepancies.

Business cardholders on an Individual pay structure, can register for and experience all features and benefits, of CardWise, including payments.

Unsure if your Business account is on an Individual pay or Consolidated pay structure? Give Collabria a call at 1-855-341-4643, 24/7 to learn more.

Consolidated pay is a billing structure for business accounts that centralizes billing and payments under a single Authorized Business Representative Control Account. Under this structure, the business employee cardholders share credit limits and accumulated balances. The Authorized Business Representative receives consolidated statements and makes payments directly to their Control Account.

Individual pay is a billing structure for business accounts that offers individual cardholder billing and payments for each registered business cardholder. Like a Consolidated Pay structure, the business shares a credit limit among all cardholders, but the company account instead accumulates the outstanding balance of each cardholder in real-time. Each cardholder under this structure receives their own billing statement and makes payments directly to their individual cardholder account.

If a payment is made on an Individual Pay account in CardWise, no action is required.

If a payment is made in error on a sub-account (Consolidated Pay) in CardWise, you should call Collabria Cardholder Service at 1-855-341-4643 for assistance 24/7.

Businesses that are set up on a Consolidated Business structure will continue to be serviced through MyCardInfo which provides unique functionality specifically designed for businesses with a registered Control Account. At present, Control Accounts are not provisioned in CardWise and will be evaluated as the platform evolves.

Business cardholders on an Individual pay structure, can register for and experience all features and benefits of CardWise.

Unsure if your Business account is on an Individual pay or Consolidated pay structure? Give Collabria a call at 1-855-341-4643, 24/7 to learn more.

No. For security and authentication purposes, multiple cards added to a single CardWise login must be part of the same financial institution. If you have a credit card account with another institution who is also on CardWise, you must create a unique application login for each credit card account using a unique email address for each account.

These emails will come from donotreply@coop.org and look slightly different from your MyCardInfo emails at first. Rest assured that they are accurate, timely and are in development for future enhancements.

Introducing CardWise!