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Easy Electronic Bill Presentment & Payment

25% higher customer satisfaction with 50% savings on document delivery costs. That’s the power of eBilling and payment with ACI.

Check out this recent report for more facts and figures on how we’re improving satisfaction, savings and security for 3,600 clients.

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Bill Pay Services



ACI’s Application Program Interface (API) lets you outsource bill payment processing while maintaining control of the user interface.

It gives you access to ACI’s industry-leading engine for payment authorization, processing and remittance. Real-time or batch processing options are available and fully integrated with your front-end application to minimize costs and risks while maintaining a consistent, branded customer experience. It enables outsourced bill payment processing while you retain control over customer data.

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Web pay


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ACI’s Mobile Browser gives your consumers a quick, easy, safe way to manage their mobile payments from text notification the payment is due to viewing a bill and paying it.

The number of US adults who use their smartphones to manage their lives and finances continues to grow rapidly. The ACI Mobile Browser gets you on top of the curve by providing an integrated, consistent way to handle mobile ACH, debit card and credit card payments across devices, either one-time or recurring. Mobile payments are proven to reduce the number of customers relying on costly paper bills, and strengthen customer relationships.     

More Info | Case Study


External Agent Payments


Easily accept payments made at walk-in payment centers, insurance agencies, and through other external agents.

ACI offers a safe, efficient way to satisfy the under-banked and those who prefer to pay with cash in person. You receive all payments in one file, which can be combined with electronic payments from other channels to simplify reconciliation and manage accounts receivable. ACI’s Walk-In service reports on same-day payments, and offers real-time, on-demand reporting, tracking and management.

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Call center


ACI’s Call Center payments give you a single online touch point for managing bill presentment, payment and customer service across all channels.

It saves customer service representatives time because they can more quickly view and manage account information no matter how consumers pay their bills, address consumer payment inquiries, turn off the paper bill, set up automatic payments, handle paper suppression requests, and update contact information. It eases management of reconciliation and returns, and provides tools to optimize staffing resources.

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Interactive Voice Response (IVR) automates payments by phone so you can easily let consumers know the payment amount due and due date, as well as enable them to make payments.

Calls are scripted and recorded (in English and Spanish) to your specifications, and consumers have the convenience of payment over the phone via ACH or credit or debit card.  They are transferred to a live agent on request. ACI’s IVR generates reports on caller exit counts relative to call flow, helping to optimize staffing resources. It also gives you access to real-time, on-demand reporting and tracking.

More Info | Case Study

Explore Online & Recurring Payment Success Stories

Take an inside look into the stories surrounding clients like yourself, and see how one-time and recurring payment processing is helping them cut costs, increase revenue, improve customer satisfaction and lock down security.

  • Cambia Health Solutions
  • Northwood logo
  • top 25 bank

Cambia Health Solutions

Cambia Health Solutions increased consumer retention by expanding electronic bill pay services

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See how ACI’s integration with Colleague eliminated the need for software development resources.

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UP Bill Payment doubles loan payments for Top 25 Bank

After deploying the UP Bill Payment solution, this bank doubled the number of loan payments received from debit cards over a two year period.

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Satisfy your wide range of consumers with a single integrated solution.

One-Time Payments

Serve consumers who want to make payments without signing up for an ongoing service. Enable single payments via the Web, Interactive Voice Response (IVR), a live agent, a mobile device, a kiosk or through the mail. Consumers can also pay by ACH, credit card, debit card, check or cash. ACI One-Time Payments delivers the ultimate in convenience, which builds loyalty and increases revenue by leading consumers to buy more services

More Info | Info Sheet | Case Study

Recurring Payments

Give your consumers the easiest way to enroll in an online billing relationship. With just one click this service allows them to set up single or automated payments. You can offer a complete and convenient mobile, web, call center and API interface that allows your consumers to create their own profile with a username and password. ACI Recurring Payments increases the percentage of consumers using on-line payment methods, reducing cost.

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Service Fee Payments

Accept payments at zero cost to you. Allow your consumers to make both card and ACH payments at the last minute without incurring any transaction costs. A small service fee is charged directly to the consumer at no additional cost to you. These service fee payments maintain compliance and satisfy consumer demand for bill payment at the 11th hour.

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Integrated Treasury Management

Ease the complexity of managing card processor relationships, including interchange management as well as complexities and delays inherent with most in-house systems. Integrated Treasury Management frees you from managing an electronic consumer payments stream. With this service, ACI takes over all processor relationships and covers all transaction costs for a set, low-cost predictable price. With ACI’s Integrated Treasury Management, you can simplify reconciliation and speed cash flow.

More Info | Info Sheet | Case Study


Disbursement Services

ACI Disbursement Services provide you with a low cost, accurate, consistent way to deliver credit and refund payments to consumers by consolidating multiple functions and eliminating potential points of failure. Money is delivered to the consumer with the convenience they prefer—by paper check or electronic ACH transaction.

Plus, it’s a low-cost way to send funds to consumers, including overpayment, return of prepaid funds, fees, insurance claims and loyalty rewards.

See How to Do Disbursement, Better | Quick Disbursement Services Facts


Remittance Services

Enjoy a fast, cost-effective, accurate way to enable consumers to pay all their bills—from the mortgage to the babysitter—from a single website or mobile app. ACI’s Remittance Services leverage our 9,000+ endpoint relationships built over 24 years to deliver electronic payments quickly and accurately.

Learn More About Remittance Services | Must-Read: Consumer Bill Pay Survey


Consolidate and receive payments coming from any source, including every online banking site, walk-in location and your payment options. eLockbox combines hundreds or thousands of electronic payments into a single daily posting file and a single daily deposit. The rigorous error detection ensures proper payment posting, reducing costs while increasing customer satisfaction.

More Info | Info Sheet | Case Study 


eBill & Notifications

With ACI eBill, you get a fully integrated platform for end-to-end customer communication lifecycle management across all electronic and paper communication channels. eBilling delivers targeted marketing messages, cuts document delivery cost by 50% and reduces customer service calls by up to 10%.

Learn the Power of eBills | eBill Case Study

Client References: Online & Recurring Payments

“Exeter selected ACI Worldwide to drive our electronic payment processing efficiency.”
– Brett Bradley, Exeter Finance

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“We work more effectively and efficiently to meet increased billing and enrollment needs.”
– William Wolfe, Horizon Healthcare Services

See more healthcare payer client references

“With ACI’s technology, integration was seamless.”
– Ellen Curcio, Ursinus College

See more higher education client references

“We want to ensure that our residents have the easiest, most convenient and more secure methods to pay. This is why we partner with ACI.”
– Janice J. Simmons, Chief, Bureau of Revenue Collections, City of Baltimore, MD

See more government client references