Payments and transfers for financial institutions
Our suite of unified payments applications offers a fully integrated, customizable money movement solution that facilitates the fast and simple delivery of modern payment experiences to your consumers based on your existing systems
Payments modernization doesn’t have to mean overhauling your core systems or significant upfront capital investment. Our modular framework means cost-effective innovation and speed to market for your payment solutions.
Money movement experiences, modern customers demand
Seamlessly deliver modern, frictionless digital payments and money movement experiences that compete with today’s most innovative digital wallet services and challenger banks.Â
Simple integration into existing systems
Pre-built connectors into existing digital banking, risk, and core systems quickly deliver our money movement services without major changes to your current infrastructure or expensive upfront costs.
Unified solution for a single source of truth
We break down traditional payment siloes to offer a unified solution that provides operational efficiency, a better user experience, and improved visibility across payment rail performance, cash flow, and liquidity.
Our flagship solutions
Application
Electronic Bill Presentment & Payment (EBPP)
Deliver e-bills seamlessly and accept bill or loan payments from users with easy access to the payment channels, payment methods, and payment options they demand.Â
Accelerate receivables
Reduce operating costs
Improve customer satisfaction and retention
Payment Channels
- Mobile
- Web
- IVR
- Agent
- Walk-In
- FB Messenger
Payment Methods
- ACH
- Credit (where permitted)
- Debit
- Cash
- Check
- Apple Pay/Google Pay
Payment Options
- One-Time
- Recurring
- AutoPay
Orbipay EBPP is a fully configurable, bespoke billing and payment solution that’s tailored to your business and needs. More options, better payment experiences.
Application
Transfers (A2A)
Enable consumers and businesses to move money instantly and securely between their bank accounts, regardless of what financial institution holds them.
Generate revenue through transaction fees
Enhance operational efficiency by reducing manual processes
Create convenient and seamless customer experiences that drive retention and satisfaction
Access to Faster Payment Rails:
- TCH’s RTP® network
- FedNow Service
- Visa Direct
Application
Payouts
Initiate digital disbursements to payees directly, delivering a secure, streamlined payout process that puts the customer first.
Reduce time and costs associated with paper checks
Improve customer experience and satisfaction
Improve operational efficiency
Payment Scenarios​
Straight-Through, One-Off, and Recurring Disbursements
Payee Portal​
Payees can enroll, provide bank account information, and access payout history
Payer Portal
Customer-facing staff can access payees’ profiles, payout history, and upcoming payouts
Reporting
Quickly access reports related to payees’ historic and upcoming payouts
Alerts and Notifications
Payout-related alerts and notifications via email and/or SMS
Application
Request for Pay (RfP)
Send digital payment requests to your customers, allowing them to review and respond with options for payment approval, modification, rejection, or delay, all in real time.
Increased payment flexibility and control for customers
Improved efficiency in the payment process
Enhanced transparency in transaction details
Businesses use for RfP
- Bill pay
- Wallet funding
- E-commerce
- Person-to-person (P2P) payments
- Point-of-sale payments
- Pay by text
With the two-step payment validation process, you have guaranteed good funding.
Case Study
Veridian Credit Union
245%
Growth in RTP transactions
263%
Growth in RTP send
11
weeks – Time to deployment of solution
