DELIVERS PEACE

OF MIND

PRODUCT LINE FLYER

ACI BILL PAYMENT

SOLUTIONS

SERVES MORE THAN 3,600 CLIENTS

ORCHESTRATES AND MANAGES
EBPP COMPLEXITY FOR BILLERS AND
FINANCIAL INSTITUTIONS
DELIVERS INDUSTRY-LEADING SECURITY,
COMPLIANCE AND PRIVACY

As payments processing has become

ever more complex with growing
numbers of payment channels and
methods, funding sources and security
concerns billers and financial
institutions face increasing pressures
to streamline operations while
enhancing consumer convenience.

ACI Bill Payment Solutions solve

this dilemma. They are an integrated
suite of electronic bill presentment
and payment (EBPP) services that
enable billers and financial institutions
to respond effectively to this problem
while enhancing system ROI and
offering unmatched consumer
convenience.

SOLUTIONS SUMMARY
GAME-CHANGING TECHNOLOGY
THAT ADVANCES THE ART AND
SCIENCE OF EBPP

FEATURES AT A GLANCE
ACI PAYMENT PROCESSING TECHNOLOGY
PLATFORM
A SINGLE TECHNOLOGY PLATFORM THAT
ORCHESTRATES AND MANAGES THE COMPLEX
INTERACTIONS OF EBPP
ENABLES UNMATCHED CONSUMER CONVENIENCE
FOR CHOICE OF PAYMENT TYPES (ONE-TIME,
RECURRING, FEE-BASED), PAYMENT CHANNELS
(WEB, MOBILE, PHONE OR CALL CENTER) AND
FUNDING OPTIONS (ACH OR CREDIT, DEBIT OR
PREPAID CARDS)
OPERATES IN A SECURE ENVIRONMENT THAT MEETS
ALL REQUIREMENTS FOR CONSUMER AND CLIENT
AUTHENTICATION, REGULATORY COMPLIANCE, AND
CONSUMER AND DATA PRIVACY

A NEW GENERATION OF EBPP SERVICES

Cash and checks used to be the only ways
consumers could pay their bills, but technology has
made dramatic changes in the payment channels
available in the past several years. Billers began
offering interactive voice response (IVR) telephone
payment systems or provided contact center
agent interaction by phone. Then the world went
electronic, and with the popular acceptance of the
internet, billers began offering online EBPP on their
websites. Now, with the tremendous growth of the
smartphone market, EBPP has advanced into the
world of the smartphone and tablets. Consumers
now can choose from a broad array of secure
payment channels.
This evolutionary growth has given consumers the
greatest flexibility possible for making payments.
Most now use multiple channels and payment types
at different times and situations, and they want a
great experience across all channels. They want all
of the contextual information associated with their
bill, not just the amount due. They want prompt and
informed service with reminders. And the entire
process needs to be easy and intuitive to use.
For billers, this offers many new ways to touch their
customers, moving what used to be a back-end
transaction to be a complex and differentiating part
of their services. They want to enhance customer
satisfaction and loyalty while lowering the cost of
payment collections and customer service. For
bankers, ACIs Bill Payment Solutions offer more
integrated services that give consumers more ways
to pay more types of bills, including person-toperson payments.
INTEGRATED SERVICES THAT ELIMINATE THE
CHAOS OF EBPP
ACI has eliminated the fragmentation of EBPP with
its ACI bill payment engine technology. The ACI Bill
Payment Engine is a single, integrated platform
that powers the entire bill payment operation,
which means billers can streamline the complexities
of bill presentment and payment processing to
achieve the best results possible while eliminating
application silos. It provides a seamless consumer
experience across all payment channels. It
provides a single view into all customer records
and payments. It simplifies treasury operations
by providing a single view of all payments from
all channels and concentrating all payments into
a single daily deposit. And all of this runs in an
environment featuring industry-leading security, full
PCI compliance and privacy practices.

MOBILE

PAPER SUPPRESSION
BILL NOTIFICATIONS

WEB
REAL-TIME
PAYMENTS

WALK-UP BILL PAYMENT

CREDIT CARDS

ACH

eBill
INTERACTIVE eBILL
PAPER CHECK

HOME-BANKING CONSOLIDATORS
IVR/CSR
POS
AUTO DEBIT

TODAYS ePAYER LANDSCAPE: MEETING

CONSUMERS WHERE THEY WANT TO BE MET
Todays consumers have different preferences when
it comes to the billing content they want to receive
and much of their interest is based on factors such
as their age, lifecycle stage, social environment and
income levels. These factors often determine their
choice of payment channels as well as their interest
in having all the content they desire available to
them as needed. In fact, consumers can be different
types of payers at different times.
Relationship builders are regular eBill payers who
value their relationship with the biller and the
preference selections offered to them. They are
eco-friendly because they adopt paperless billing.
They want the payment process to be automatic
and consistent on a regular basis.
Convenience seekers are often early adopters who
seek the convenience of paying bills electronically,
but who value a low-effort experience. Many often
wait until the last minute to pay their bills, so they
demand the broadest channels and funding choices
for doing so. They will often obtain their bill directly
from a biller, but will pay them from their financial
institution or other aggregator.

Payment avoiders are those people who are

casually or habitually late with their payments and
incur penalties and fees with their accounts. Many
are delinquent and must work with the biller to get
their accounts back in good standing. They value
low-conflict experiences and often seek expedited
payments in order to get in under the deadline,
even if it costs them a fee to make the payment.
Smartphonatics represent the newest generation
of ePayers: mobile device users. They want the
ability to pay via the web or an iPhone, iPad, or
Android smartphone or tablet, as their immediate
needs demand. They value a low-effort experience
and want to receive notifications that bills are due
and to easily pay with just a few clicks or taps on a
touchscreen.
Refund receivers are those customers who are
due a refund, a rebate or a reward. Billers need a
reimbursement channel to provide those refunds
to them, either via an ACH transaction or via the
sending of a paper check.

SMARTPHONATICS

RELATIONSHIP BUILDERS
Eco-friendly

Choice

Automatic

Notifications

Consistent

eBill

Last-minute

CONVENIENCE SEEKERS

eBill

Late

PAYMENT AVOIDERS

Choice

Online Banker

Delinquent
Current &
Past Customers

REFUND RECEIVERS

PRODUCT ARCHITECTURE
PAYMENT SERVICES FOR BILLERS
No matter what consumers preferences are for
making payments, ACI offers a wide breadth of bill
payment services that handle multiple payment
types and methods on a 24x7 basis via a billers
channel of choice.
ACI One-Time Payments enables customers to
make payments without having to sign up for an
ongoing service. Its a quick-capture payments
application that gives billers control of the
branding, payment options and processing costs,
as well as real-time, on-demand reporting, tracking
and management via ACI client console.
ACI Recurring Payments service offers predictive
payments management to billers and their
customers. One-Click Enrollment interface
enables consumers to easily set up an online billing
relationship with the biller for receipt and payment
of bills on a regular, ongoing basis. Consumers can
also set up auto-debit payments to automatically
pay bills and receive a payment confirmation when
the transaction occurs.

funding shortfalls. Integrated Treasury Management

improves cash flow because the biller receives a
single daily deposit and doesnt have to wait days
for payments to arrive from multiple payment
vendors. It also enables ACI to manage interchange
operations for the biller so they dont have to worry
about PCI compliance for handling credit card data.
ACI Disbursements gives billers a way to process
credits and refund payments to consumers
for a variety of reasons. These might include
overpayments on an account; a return of prepaid
funds, such as deposits on utility services; fee
refunds; claims payments; or cash bank or
rewards payments. ACIs decisioning engine
will select the most efficient way to route all
payment disbursements and provide them with
the convenience customers prefer, whether via a
check or an ACH transaction. They get credits and
refunds faster, and billers get the cost savings of
consolidating multiple functions and processing all
payments through a single solution.

PAYMENT FUNDING SOURCES

ACI Fee-Based Payments charge a small fee to the

consumer to deliver the convenience of electronic
bill payment at no additional cost to the biller.

In addition to offering the full array of payment

channels via which billers consumers can pay their
bills electronically, ACI enables consumers to pay
their bills using virtually any funding source of their
choice, including:

ACI Integrated Treasury Management combines

payment data from all payment channels and
funding sources into a single, daily file that makes
it easy for a billers accounts receivable department
to reconcile payments and identify any errors and

ACH transactions
Credit cards
Debit cards
Prepaid cards

PAYMENT SERVICES FOR

FINANCIAL INSTITUTIONS

program and API for handling mobile online

banking and bill pay services via smartphones and
tablets.

ACI offers multiple types of payment services that

we can tailor for banks, credit unions and other
financial institutions or aggregators of all types to
provide secure online payment capabilities that
meet virtually any consumer need. This includes
features such as payments history, creating bill
payments, consumer transaction records and alerts,
payee adds, payment management and scheduling,
payment due date calendars, settlement
management, payments processing and funding,
and exception processing.

REMITTANCE SERVICES FOR BANKS AND THIRDPARTY AGGREGATORS

There are multiple key elements of ACIs remittance
services that give ACI a truly unique offering for
financial institutions and third-party aggregators.
Our Biller Endpoint Network (BEN), which connects
ACI directly to more than 9,000 (and growing)
direct billers for payments remittance, enables ACI
to settle payments from virtually any channel and
funding source. This can reduce a billers processing
costs by decreasing the volume of checks vs.
electronic payments.

ACI can host all these features for billers in a fully

integrated internet bill pay (IBP) service that
incorporates ACIs user interface, tier-one customer
support, end-user funding, payment warehouse,
remittance processing and expedited payment
capabilities.

ACIs electronic biller directory assists with

collection and validation of accurate account
information. ACIs real-time Digital Scanline
technology provides multiple levels of validation to
ensure correct address and account number data
and to validate payment instructions on the fly.

Or billers can deploy ACIs bill pay API to use their

existing in-house user interface and client support
capabilities while relying on ACI for all back-end
payment processing services. In both cases, billers
get a single sign-on customer interface for both
standard payments processing and expedited
payments via ACIs standard disbursements
network all secured by ACIs biller directory and
real-time Digital Scanline technology to guarantee
transaction accuracy.

ACIs electronic Lockbox service (eLockbox) is

tailored to billers specifications and streamlines
the process of reconciling remittances and posting
accounts receivable. This service enhances their
treasury operations by combining hundreds or
thousands of electronic payments into a single daily
posting file and a single daily deposit.
And ACI offers something that no one else does
a payment guarantee that protects the consumer
from late payment fees and penalties. This means
that if a properly scheduled IBP or bill pay API
payment is not received and posted on time by
the payee, ACI will pay applicable finance charges

We offer a batch remittance service for those

institutions that manage their own payment
services and call on ACI solely to distribute
payments to billers using ACIs payment networks.
ACI also offers a third-party vendor certification

PAYMENT SERVICES FOR FINANCIAL INSTITUTIONS

SERVICE COMPONENTS

Payment
method

Bill pay
UI

Tier 1 CS

End-user
funding

Payment
warehouse

Remittance
processing

Expedited
payments

eBills

IBP

ACI

ACI or
Client

ACI

ACI

ACI

Fully
integrated

Fully
integrated

Bill pay API

Client

Client

ACI

ACI

ACI

Fully
integrated

On
roadmap

Remittance
services (Batch)

Client

Client

Client

Client

ACI

Stand-alone
API

Stand-alone
API (Beta)

Payment
Processing

Financial
and Fraud
Controls

100%
Payment
Guarantee

SUPERIOR
PAYMENT
OPERATIONS

Research
and Claims
Support

Staff
Tenure

Biller
Network
Management

directly to the payee or may attempt to have the

finance charges removed. This includes late fees or
finance charges on payment amounts that did not
post on or before the scheduled Deliver By Date.
PAYMENT OPERATIONS SUPPORT
One of the reasons ACI can offer a payment
guarantee is the extensive payment operations
support it provides to banking bill pay clients for
product, payment, navigational and technical
support. ACIs specialist representatives have
long experience in providing client support for
managing biller relationships, payee matching,
biller network management, payment research and
claims support, financial and fraud controls, and
financial institution payment processing in general.
ACIs highly knowledgeable customer care team
has the experience to resolve issues quickly and
is empowered to pursue exceptions until they are
resolved.

A BROAD SPECTRUM OF MULTICHANNEL SUPPORT

ACI provides the flexibility of payments channel
choice that consumers need. Billers can offer their
customers and members payment services as a
biller-branded experience via the web, phone or
mobile device, as well as via live customer service
agents. ACIs broad range of payment channels
now includes:
APIs ACIs complete set of APIs is a robust set
of interfaces for back-end payment authorization,
processing and remittance services that links
directly with a billers existing customer interface.
Single sign-on This mode is designed for
billers who want to control their user interface
without having to be fully PCI-compliant for
6

handling credit card data or having to manage

interchange. ACI will maintain credit card data
files for them, and when consumers sign on
to the billers website, they are redirected to a
biller brand payment site hosted by ACI. Once
a transaction is completed, they are redirected
back to the billers website and ACI processes the
payments.
Web Hosted by ACI, billers can notify their
consumers that bills are ready and direct them
right to the billers website to download a copy
of their bill. Billers can also provide links on their
consumer landing page for direct payment of
bills.
Call center Biller call center staff can take
consumer payments by phone and can provide
customer support via ACIs Client Console, which
provides all consumer account information
and payment records needed to research and
respond to consumer information requests.
External agents Consumer payments can also
be handled by live agents at walk-in payment
centers or by external agents, such as insurance
agents, and these payments will be processed by
ACI.
IVR phone systems provide a way for those
consumers who dont have a computer to pay
their bills interactively by phone.
Mobile payments can be made from iPhones,
iPads, and Android smartphones and tablets
using ACIs Mobile Bill Pay Suite. This suite
provides a mobile browser which consumers
can use to access a billers mobile-optimized
website as well as Apple and Android apps and
SMS text messaging to view and pay bills online.
No matter which channels a billers consumers
prefer and even if they use different channels
each time they pay a bill ACIs Bill Payment
Engine lets a biller manage everything from one
set of resources. The biller gets one vendor to
support all payment options and one set of highperformance tools.
eBILL
ACI eBill integrates all aspects of bill presentment
in a convenient, simple to use and dependable way
that allows consumers to access bills via whatever
medium they choose, including:
Consumers can receive an email notification to
log on to their billers website and retrieve bills
and statements, then make payments.
Mobile presentment alerts consumers via text
messages that a bill is ready to view and enables
one-touch payment right from an iPhone, iPad, or
Android smartphone or tablet.

 Email presentment attaches a secure PDF copy

of the bill to the biller notification.
Financial institution distribution via forwarding
of eBills to financial institutions or other
aggregators for presentment to consumers
Any of these methods can be triggered via ACIs
notification engine.
DEBT COLLECTION SERVICES
ACI offers a unique Virtual Collection Agent
that facilitates a billers online account collection
efforts beyond simple payments. Virtual Collection
Agent is a full-featured, branded site where billers
consumers can enroll in special repayment offers
based on account data and information provided
during their site visits. The heart of ACIs Virtual
Collection Agent product is its strategy manager,
which emulates the intelligence and interactions
of a billers best collection agent in a convenient,
24-hour-a-day online environment. A high level
of configurability and detailed performance data
enable the biller to present the right offer to the
right consumer every time. As an added benefit, the
included agent interface helps ensure consistent
application of collections policy in the call center as
well, minimizing training time and giving billers the
ability to adjust collection strategy across channels
instantly.
CALL CENTER SERVICES
Our call center services give billers a single online
touch point for managing all payments and
customer service operations. Whether a biller has
implemented a single payment service or multiple
ones, this is where billers manage all activities. It
includes five Client Console modules:
Payment management can find and manage all
payments for a biller, enabling them to help their
customers in real time, 24x7
Account management is where billers can view
and manage customer account information no
matter how they pay their bills.
Reporting lets billers view reconciliation, returns
management, enrollment activity and customer
service representative (CSR) activity
Administration control manages user and team
access rights in a role-based fashion so the right
people have access to the right information.
CSR payment entry enables a billers service
representatives to take payments or turn on or
off features as required.

ACIs reseller program leverages 20+ years of

EBPP expertise to deliver consumer-facing online
bill payment solutions, administrative tools, and
payment-related treasury services to a billers
corporate clients. Offering Bill Payment Solutions
helps deepen a billers relationships with their
business customers by providing them with a full
suite of payment services from one source.
ACIs single payment services application platform
results in lower cost for implementation and
maintenance, faster implementation, expanded
relationships with smaller clients, easier
management due to use of a standardized solution,
and better reseller branding.
ACI INFRASTRUCTURE SUPPORT SERVICES
ACI Worldwide manages all the operations for
a billers payments solution to keep it running
24x7x365. ACI makes the necessary investments in
hardware and software to maintain a modern, stateof-the-art processing environment for a billers bill
pay solution and ACI guarantees its performance.
ACIs Infrastructure Support Services encompass:
Hosting service and application management
Disaster recovery services
Service-level management
Implementation and change management
support
Client support programs
All of this support is provided in an operating
environment that meets the requirements of
consumer and client authentication, regulatory
compliance, and consumer and data privacy. ACIs
regulatory compliance includes:
PCI DSS Level 1 and PII
SSAE16 (formerly SAS70)
SOC1
FFIEC (Federal Financial Institution Examination
Council)
Sarbanes-Oxley (SOX) provisions
ACI is included in card vendors online lists of
approved vendors. In addition, our privacy policy
protects the privacy and confidentiality of clients
and, more specifically, protects the interests of
clients customers who are consumers. No action
can be taken involving consumer data without the
prior consent of the clients.

RESELLER PROGRAM

ACIS BILL PAYMENT

SOLUTIONS ARE THE GOLD
STANDARD
ACI has spent the last three years creating its
Bill Payment Engine technology and redesigning
our bill presentment and payment solutions to
meet todays newest electronic needs, as well as
those of the paper-based world. Whether billers
outsource all their operations to ACI or they
work with ACI to tailor their modular product
offerings to integrate tightly with what they
are already doing billers can offer the best
of both worlds by taking advantage of ACIs
technology and product leadership that have
been proven over decades.
To learn more about ACIs Bill Payment
Solutions, call us today at +1-609-606-3000.

REVOLUTIONIZES
PAYMENTS
ACI Worldwide, the Universal Payments company,
powers electronic payments and banking for more
than 5,000 financial institutions, retailers, billers
and processors around the world. ACI software
processes $13 trillion in payments and securities
transactions for more than 250 of the leading
global retailers, and 21 of the worlds 25 largest
banks. Universal Payments is ACIs strategy
to deliver the industrys broadest, most unified
end-to-end enterprise payment solutions. Through
our comprehensive suite of software products and
hosted services, we deliver solutions for payments
processing; card and merchant management;
online banking; mobile, branch and voice banking;
fraud detection; trade finance; and electronic bill
presentment and payment. To learn more about
ACI, please visit www.aciworldwide.com. You can
also find us on Twitter @ACI_Worldwide.

www.aciworldwide.com

Americas +1 402 390 7600

Asia Pacific +65 6334 4843
Europe, Middle East, Africa +44 (0) 1923 816393

Copyright ACI Worldwide, Inc. 2014

ACI, ACI Payment Systems, the ACI logo, ACI Universal Payments, UP,
the UP logo and all ACI product names are trademarks or registered
trademarks of ACI Worldwide, Inc., or one of its subsidiaries, in the United
States, other countries or both. Other parties trademarks referenced are
the property of their respective owners.
AFL5329 07-14