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Speed is the critical driver of the consumer experience—and thanks to our guaranteed funds model, Online Resources is second to none when it comes to delivering payments promptly. Combined with our exceptionally responsive customer care and sophisticated consumer marketing, Online Resources Bill Payment and Presentment will drive the profitability of your Internet channel and strengthen your relationship with the consumer.

Bill Payment

Presentment Service

Relationship Management

Administrative Access

Configurations Options

Quality Guarantees

Thanks to Online Resources’ patented EFT gateway, we can determine funds availability in real time and process payments with exceptional speed. We deliver your consumers payments in 1 1/2 days on average.

And thanks to our unmatched master database of merchants and payment instructions, we deliver over 75% of our payments electronically, achieving a rate of more than 80% in major markets—ensuring that your consumers’ payments are delivered on time and accurately.

Equally important, our patented EFT gateway sets the stage for financial institutions to take advantage of the upcoming world of real-time payment services without having to manage these transactions themselves.

Features and benefits of our bill payment engine include:

 Real-Time Funds
 Same-Day Payments
 Patented EFT Gateway
 Dedicated Resolution Team

Our presentment service is exceptionally robust, thanks to an extensive relationships with billers. With Online Resources, consumers can truly enjoy the convenience of reviewing their major bills and paying them from a single site.

Our Premium Services play a key role in attracting, retaining, and servicing your best customers.

 Alerts
 A2A Transfers
 Account Aggregation
 Money HQ^SM

Relationship Management
By tightly integrating customer care and marketing, Online Resources has created a relationship management service that’s unequaled in its power to drive bill payment adoption and strengthen and expand customer relationships. It will transform your Internet channel into a highly productive profit center.

Online Resources Relationship Management Services are simply unmatched in the industry. We offer you enhanced customer service capabilities to provide the assistance and experience callers need, including:

 24x7 Customer Care
 24x7 Technical Support
 ICM^SM Marketing
- Real-Time Messaging
Module
- Life Cycle Programs
 High-Risk User/Transaction Reports to help you combat fraud and manage operational risk

With Payment Services, you can always stay in touch with the process. We include a series of web-based administrative modules that enable you to manage transactions effectively, respond to customer questions, and take action as necessary.

 User Authentication
 User Maintenance
 Payment IQ
 Secure email
 Reporting

Payment Services is the industry's most versatile online bill payment system. In addition to real-time Internet bill payment, we make our API available for those who wish to tap into our bill-payment back-end in real time. We also offer remittance services, enabling financial institutions to use our bill-payment back-end for batch processing.

By offering your users the most responsive and effective products and services possible, we can ensure that you enjoy exceptional levels of consumer satisfaction for your online offerings--and attain the best possible return on your investment.

Our monthly Service Quality Index rates our performance consistently well above industry averages in:
- User-Satisfaction
- System Performance
- Bill Payment Accuracy
- Customer Care
Performance
 Online Resources offers the only $25,000 Payment Guarantee in the industry.

For more information, read the Payment Services brochure. (Requires Adobe Acrobat).