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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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Your One Solution for Every Billing and Payment Need

Make online billing and payment processing easy across all options, for every generation and situation. Consumers can now choose simple mobile and web payment, without giving up the option of walk-in or call center payments. With ACI’s solutions, electronic bill presentment and payment stretch beyond the consumer’s screen. No matter how they decide to make their payment, the experience will be easy.

Research: How Americans Pay Bills Survey from Aite Group

anytime anywhere

Channels for Bill Presentment, Payment and Communication

API

Application Programming Interface (API)

ACI’s Application Programming Interface (API) covers outsourced bill payment from authorization through remittance. API provides real-time or batch processing that fully integrates with your own branded front-end consumer experience. We take care of the PCI compliant payment processing, while you maintain control of the user interface. Using APIs, you can accept payments, manage user enrollment, search for data and more.

More Info

mobile

Mobile Bill Presentment and Payment

Accept payments online from consumers on the go. ACI Mobile Browser Bill Pay delivers a full suite of convenient features, including payment-due reminders, viewing, payment, and even the option to turn off paper billing. With mobile bill pay, you’ll reduce your expense for paper reminders, while meeting consumer demand for greater access and convenience.

More Info    |    Case Study

Text Message

Text messages conveniently remind consumers when a bill is due and give them a quick way to pay right at their fingertips. We simply request their mobile phone number and their agreement to receive texts. By granting them this greater sense of control, you’ll collect more payments and increase their comfort with paperless billing. Learn more about text and email communication in Text Message Payments and ACI Notification Services.

web

Web Billing & Payments

For consumer convenience, ACI’s web payments gives you a feature-rich, branded online payment service that’s easy for consumers to use. Notify them when a bill is due, and then direct them to the website where they can view, pay and turn off paper billing. You’ll improve satisfaction while encouraging greater usage of a low-cost, online self-service option.

Case Study

Email

Email

Deliver alerts and full eBills right into your consumer’s email inbox. Keep consumer’s informed about the latest updates on billing and payment with alerts. Plus, ACI can securely send full detailed electronic bills attached to email. These interactive eBills can include targeted messages to improve your consumer relationship while providing a direct link to pay their bill. Learn how to use email as part of your integrated consumer communication management platform.

IVR

Interactive Voice Response (IVR)

With ACI’s Interactive Voice Response payments or IVR, you can provide improved consumer convenience, while reducing your internal support costs. The IVR system easily informs consumers of the payment amount and due date, and then allows them to pay through the IVR system.

Case Study

CSR

Customer Service Representative (CSR)

For consumers who wish to speak with a live person when paying, ACI’s secure call center provides an extra layer of security. By enabling consumers to key in card information, rather than speak it out loud, you can reduce PCI compliance expenses by up to 80% thanks to ACI’s partnership with Semafone. Either your own or ACI’s representatives can take payments, update contact information and enroll consumers in paperless billing.

walk in

Walk-In Payments

ACI’s Walk-In Payments make it easy for consumers to pay in cash at convenient payment locations, including walk-in payment centers, insurance agents and other external agents. You’ll receive your money and posting information electronically, with consumer payments posted the same day. It’s a safe, efficient way to satisfy those consumers who prefer to pay in-person with cash.

POS

Point-of-Sale Payments (POS)

Like Walk-In Payments, ACI’s POS allows consumers convenient, in-person payment options. The difference is that POS also allows them to pay with a credit or debit card. Accepting multiple payment methods improves the consumer experience and card acceptance typically increases payment amounts.

Mobile Point-of-Sale (POS)

ACI Mobile POS not only offers a convenient way for consumers to pay, it can also increase the amount they pay. Simply attach a card reader to an iPad or iPhone that’s equipped with the free card reader app, and you can accept cards almost anywhere. You’ll not only improve consumer satisfaction, but card acceptance also increases payment amounts by 25%.

Learn more.

Kiosk

Kiosk

Eliminate staff time and associated cash handling risks by allowing consumers to pay at self-service kiosks. This advanced technology handles payment by cash, check, money order, credit or debit card. It even makes change for cash, functions as an ATM and answers consumer questions via video chat. Kiosks can also be a smart way to grow relationships by marketing additional products with ACI’s partner QuotePro.

Mail

Mail

Lower the cost of check payments by mail with low cost automation. A nationwide network speeds the processing of each check by providing multiple post office box pick-ups and high-volume processing centers. A web-based workflow easily man-ages same-day processing, while providing nonstandard or exceptions processing. Remote capture and consolidated receivables in an integrated archive make record keeping easy with ACI’s partner 3 Point Alliance.

Right Time, Right Payment Options

One-Time, Recurring, and Payment Plans

Increase consumer satisfaction, reduce your costs, while giving more options — like payment plans that make paying more affordable. 

ACI's One-Time Payments lets customers pay quickly without a username/password. Or, make it easier for consumers to enroll in online billing with Recurring Payments.

One Time Payments

One-Time Payment Convenience

With ACI One-Time Payments, it’s easy for customers to make a single payment with no sign-up and no ongoing commitment. You control the branding, payment options and processing costs. The system handles the details. From electronic payment processing to security and compliance, you’ll have everything you need to handle multiple payment types and methods. It’s the simple way to more efficient accounts receivable operations.

Info Sheet    |    Case Study

Recurring

Keep the Money Coming with Recurring Payments

ACI Recurring Payments processing offers an easy-to-use, online payment system that leads to loyal consumers. Consumers can view bills, schedule notifications, store funding account information and set up single or automated payments.

You’ll increase customer satisfaction by providing choice and convenience via a consistent consumer experience. You’ll also improve your cash flow forecasting, thanks to real-time, on-demand reporting, tracking and management.

Recurring Payments form part of an integrated platform for consumer communication management when combined with ACI Customer Communication Management.

Info Sheet    |    Case Study

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.

Info Sheet    |    Case Study

Integrated Payment Plan

Integrated Payment Plan

The ACI Integrated Payment Plan offers greater flexibility with features like real-time integration, which eliminates the need for laborious record-keeping. The system easily returns balance and account information, posts payments and updates the account in your system. Enrollment and one-time payments can be configured to post in real-time, with other payments batched and posted automatically.

Find out how Integrated Payment Plan can help you increase revenue, while reducing errors and administration time.

Info Sheet

Stop Managing Payment Processing

Treasury Management

Feel like you’re devoting too much time to managing card processor relationships? Are you juggling interchange management and the complexities and delays that come with most in-house systems?

With Integrated Treasury Management, ACI takes over all processor relationships and covers all transaction costs.

And with eLockbox, you can streamline the process of receiving payments from disparate payment methods – from epayment systems to walk-ins. 

Treasury Management

Integrated Treasury Management – Your Simpler Route to ePayment Reconciliation

Easily manage all your card processor relationships with ACI Integrated Treasury Management. Eliminate multiple deposits from processors and receive all your funds in one, simple deposit.

  • Streamline the Reconciliation Process
  • Improve Cash Flow
  • Easily Predict & Even Reduce Costs
  • Receive Next-Day Funding in Full
  • Delay Processing Fees Until End of Month
  • Remove Risks, Delays and Uncertainties with Payment Settlement

Info Sheet

elockbox

eLockbox Simplifies and Consolidates Payments – from In-Person to Electronic

Easily receive online / mobile banking ePayments, walk-in payments and ePayments from your own channels with ACI eLockbox. eLockbox consolidates all payments into one deposit, with a single data file for reconciliation. This simplified process reduces your costs and staff time.

Here's how eLockbox streamlines the ePayment process:

  1. Customers pay
  2. eLockbox sends one file with all transactions
  3. You credit the payments & deposit the funds

Info Sheet    |    Case Study

Increase Consumer Engagement by 30%

Customer Communication Management

Boost engagement with targeted messages, cut document delivery cost by 50% and reduce customer service calls by up to 10%. Achieve these results with a single platform for all your communications from alerts, to bills, to documents, to regulatory notices and marketing communications.

Simplify your print, email, text, mobile, tablet and web communications with a single system. Business users can orchestrate, change, manage content and govern all communications, removing the costs and long timelines of technology projects.

Customer Communication Management

Learn the Power of eBills    |    eBill Case Study

 

Low-Cost Way to Send Money

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

 

Let Customers Quickly Pay Their Bills

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

Explore Online and Recurring Payment Success Stories

  • Northwood logo
  • top 25 bank

Northwood University

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


get the whole story View all case studies

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.

get the whole story View all case studies
  1. 25% higher consumer satisfaction – source: Third party survey of UP Bill Payment Solution clients
    50% savings on document delivery costs – source: Chartwell
25% higher consumer satisfaction – source: Third party survey of UP Bill Payment Solution clients
50% savings on document delivery costs – source: Chartwell