SECURE, ERROR-FREE, REAL-TIME PAYMENTS
For customers to become truly comfortable with electronic bill payment features, they must first know they have accurate, real-time funds availability information at their fingertips. ACI’s patented EFT gateway allows ACI Banking Bill Pay to determine funds availability immediately, enabling customers to leverage a unique real-time funds model that eliminates the need for built-in delays or guesswork.
In addition, ACI’s proprietary Real-Time Digital Scanline technology leverages our extensive, constantly updated master database of merchants and payment instructions to detect errors instantly—as soon as they’re entered—so they can be eliminated before payment instructions are even sent. Because Real-Time Digital Scanline uses the identical validation criteria payees use when they process a payment, it ensures high-quality data and spares consumers the inconvenience of rejected payments.
GIVE CUSTOMERS CONTROL – AND PEACE OF MIND
With ACI Banking Bill Pay, financial institutions can offer customers and members premium same-day and next-day payment options, giving them more control over the timing of their payments. Such expedited payments also enable consumers to retain their funds as long as possible while avoiding penalties.
In addition, financial institutions can provide customers and members with 24x7 access to ACI’s professional customer support, enabling consumers to reach knowledgeable representatives with the right information, at the right time, ensuring the ultimate in customer satisfaction.
ACI Bill Pay’s eBill presentment not only gives customers and members the convenience of conducting their financial affairs from a single online site, but it provides financial institutions with more opportunities to develop deeper relationships with their customers and members.
Bill Pay via API
ACI’s Bill Pay via API solution offers an API connection option that uses opens standards such as Open Financial Exchange (OFX) and an XML-based message set to facilitate bill payment processing. This enables financial institutions to manage their customers’ experience (via online banking, mobile, bill pay widget, etc.), while offloading responsibility for payment funding, payment disbursement and the payment warehouse to ACI. Bill Pay via API can be used alone or in conjunction with Internet Bill Pay.Learn more
ACI Bill Pay can also provide simple back-end remittance processing only, enabling financial institutions to manage the entire customer experience, from payment warehouse to account funding and Tier 1 support.Learn more