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. 

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

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.

  • 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

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.

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

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

Payouts

Initiate digital disbursements to payees directly, delivering a secure, streamlined payout process that puts the customer first.

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

Improve customer experience and satisfaction

Improve operational efficiency

Reduce time and costs associated with paper checks

Requests 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.

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.

Increased payment flexibility and control for customers

Improved efficiency in the payment process

Enhanced transparency in transaction details

Case Study

Veridian Credit Union Among the First To Connect to the FedNow® Service

245% growth in RTP transactions

263% growth in RTP send

11 weeks to deployment of solution

Accelerate your payments modernization and deliver exceptional money movement experiences to your users.

Relevant resources

Bridging the Gap Between ACH and Real-Time Payments

payments modernization

Payments Modernization: Preparing for the Future of Payments

Retention Starts With a Reminder: The Impact of Digital Outreach

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