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Bill Payment Solutions

As consumers demand more bill payment options, you need to manage the cost and complexity of providing multiple bill presentment and payment channels. First Data offers an innovative suite of recurring and one-time bill payment services. They range from sophisticated bill presentment and delivery to the processing of payments made in-person, by mail, online or via interactive voice response (IVR). And when needed, there are collection tools powered by data analytics and fraud management solutions.

In this suite

Mail-in Remittance Processing

Comprehensive lockbox services.

First Data is a leader in lockbox processing, combining the efficiency of retail lockbox with the flexibility of wholesale remittance processing. We serve clients of all sizes, across numerous industries.

First Data Advantages

First Data remittance services improve operational efficiency, reduce costs and improve funds availability with conversion of paper to electronic via ARC and ICL. The solution focuses on maximizing conversion to electronic processing and providing visibility and control across the remittance workflow.

Key components

  • Nationwide network for optimized mail float
  • Image-based processing system with advanced OCR scanning
  • Online single/multiple-day decisioning and exception management tools
  • Advanced clearing products leveraging ICL and ARC, which can be used by any bank
  • Seven-year online image archive system
  • Business process outsourcing including value-added keying, Electronic Funds Transfer (EFT) enrollment and address change keying 
  • Mailed-in credit/debit card processing 
  • Electronic lockbox services
  • Flexible implementation approach creating custom-automated solutions 
  • Reduced exception volume through the use of Magnetic Ink Character Recognition (MICR) matching  

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Walk-in Payments & Deposits (Remote Payment)

Efficient processing of remote payments and deposits.

First Data Remote Capture Solutions speed check processing at remote locations by integrating the image capture and clearing of scanned walk-in payments into the central remittance processing operation.

First Data Advantages

Remote Capture efficiently processes payments and deposits through a single client application, speeds clearing while reducing processing costs and improving availability, and is easily integrated into existing payment workflows.

Key components

  • Remote payment capture for distributed billing centers
  • Remote deposit capture and clearing for branches
  • TeleCheck® Lockbox Payment Service

Online Payments

An online payment gateway for accepting and processing recurring payments.

The First Data Enterprise Payment Gateway supports acceptance and management of recurring customer and business payments through a variety of payment channels and tender types, including online and IVR payments.

First Data Advantages

Accessing payment information for research and exception processing can be difficult. Our Payment Gateway offers an enterprise-wide solution for payment processing across multiple channels using multiple payment media to help rationalize your payment system and improve customer handling.

Key components

  • Single payment gateway supporting eCheck, credit card and PIN-secured and PIN-less debit cards
  • Web-based portal providing customer service, exception handling and back-office reconciliation tools
  • Flexible interface options including secure open systems-based application programming interface (API), batch and ready-made consumer payments via Web and IVR
  • PCI compliant
  • Convenience fee support

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STAR® Biller-Direct Payments

Payment acceptance of monthly bills for STAR® ATM/debit cardholders.

STAR® Biller-Direct Payments offer a convenient payment method for many low-risk billers, including utilities, insurance service providers, rental payments, prepaid wireless, lenders for credit card payments, healthcare payments and more.

First Data Advantages

STAR® Biller-Direct Payments offer financial institutions and acquirers virtually guaranteed payments, and the ability to generate fee revenue while reducing or eliminating the costs of ACH or check processing.

Key components

Financial Institution
  • Billers/Acquirers accept liability for STAR Biller-Direct Payments
  • Migration from ACH and paper-based payments to revenue-generating transactions
  • Bill payment transaction exceptions are handled through the STAR® STATION portal similar to any PIN-based dispute
  • Transactions are processed no differently than POS transactions
  • Bill payments are authenticated and not for anonymous payments or purchases
Acquirer
  • Opportunity to potentially reduce both expenses and losses with virtually guaranteed payment
  • Immediate confirmation of good funds
  • Lower transaction costs compared to credit cards or signature debit
  • Payments through multiple channels
  • In the case of a decline, prompt for another form of payment while your customers are still connected to your systems
Products and services are subject to change without notice and may not be available in all regions. Restrictions may apply to certain services.