The Online Resources Consumer Card Payments product provides a full range of
bill payment services - from one-time payments to multiple types of scheduled
payments to timely alerts - to meet your cardmember's needs.
Bill Payment Set Up
The cardmember initiates the online payment process by setting up profiles
of their funding sources. The system will store information for one or
more funding accounts per user - checking or
savings - and check both the the format and validity of the bank routing
number against a database from Thomson Financial.
Payment Information
The cardmember can see a summary of payment information when making a
payment. That information includes: current account balance, last statement
balance, minimum amount due, past due amount, and the payment due date.
One-Time Payments
The cardmember can automatically select from the minimum balance due,
the current account balance, or enter an amount of their choice. They
can then request that the payment be made "today" or at a future
date. If the cardmember does not want to act now, they can set up an alert
that will notify them online or by email a designated number of days before
the payment is due.
Scheduled Payments
A scheduled payment can be based on the current balance or minimum amount
due, and can be set for either the due date or a fixed date that the cardmember
specifies.
Payment Center
The system can present all historical payment transactions whether completed,
pending or scheduled to recur. The cardmember has the option to cancel
or edit any pending payments. Cardmembers can also download their history
of posted payments.
Alerts
An easy-to-use set-up page allows cardmembers to request that they be
alerted when a payment has been posted, enter their email address, and
choose text or HTML format for delivery. If the cardmember has set up
a scheduled payment, he can also request that he be notified a specific
number of days before the payment is processed.
Processing
Online Resources supports all industry standards payment file formats
(e.g. ACH). Based on your needs, we can also integrate with a payment
processing system that you already have
in place.
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