Advantage Payment Services

Advantage Payment Services (APS), founded by the Campbell family in Fargo, North Dakota, provides a comprehensive suite of applications known as Advantage Solutions. This suite includes ID Advantage, Watchlist Advantage, Advantage Risk Monitor, Dispute Advantage, Document Management Advantage, Lettershop Advantage, and Address Advantage. APS specializes in solutions for dispute management, fraud detection, prevention and management, secure cloud-based document management, identification and address verification services, and analytic reporting tools. The company operates from its headquarters at 5050 47th Street South, Suite 100, Fargo, ND 58104. APS’s first venture, Advantage Credit Bureau, was established in 1992 and continues to thrive today. APS has entered into strategic partnerships with Sutton Bank, Central Payments, and Galileo to enhance its offerings, particularly in Banking-as-a-Service (BaaS) dispute management and fraud prevention. The company’s cloud-native platform, which utilizes Microsoft Azure for security and scalability, integrates identity verification, dispute case management, transaction risk monitoring, and digital document management. APS also offers a Consumer Identification Program (CIP) product to help increase profits, decrease costs, and mitigate fraud while maintaining compliance. Automated address verification is provided through Address Advantage, and the comprehensive dispute platform, Dispute Advantage, is tailored for prepaid and fintech industries. Watchlist Advantage ensures organizations comply with industry regulations through accurate watchlist monitoring, while Advantage Risk Monitor employs artificial intelligence and machine learning to manage evolving fraud threats. Document Management Advantage (DMA) digitizes essential documents for easy organization and secure sharing, and Lettershop Advantage automates the distribution of cardholder communications. APS remains a privately held company based in Fargo, North Dakota.