Solutions

Consumer Solutions

Smart Pay

Smart Pay is a new generation of electronic bill presentment and payment with all the features you’ve grown to expect from a bill-pay solution plus the ability to interact conversationally with digital assistants and messaging bots. Our Do It For Me® AI-driven capabilities alleviate the stress of making payments by delivering insights about your bills and payment accounts.
Bill Pay

Our forward-thinking electronic bill presentment and payment experiences offer the beautiful design, ease of use and security needed to engage customers. View your billing information and pay anyone with a choice of delivery times – emergency/immediate, same day, next day, future date, recurring schedule or simply “set it and forget it” with our Do It For Me® auto-pay capabilities – and payment methods.
Pay A Person (P2P)

Pay A Person enables frictionless digital payment experiences between consumers. It provides the freedom to conveniently send and receive money electronically with friends, family, or any individual with an account at a financial institution in the United States – simply by providing their email address or mobile phone number. Payments can be one-time or set up as recurring to be delivered in real-time, same day, next day, or on a future date.

External Transfers (A2A)

Responding to consumer expectations requires being able to facilitate transactions across any banking relationship. This service lets consumers transfer money between accounts at your financial institution and accounts they hold at other financial institutions in the United States. With our advanced authentication solutions, you can rest assured that transfers are delivered accurately and securely. Transfers can be delivered in real time, same day, next day, on a future date or a recurring schedule.
New Account Funding

With our advanced authentication and account funding solutions, you can rest assured that new account opening deposits are delivered accurately and securely so you can reduce your operating costs and lower abandonment rates.

Business Smart Pay

Business Smart Pay is a new generation of electronic bill and invoice presentment and payment with all the features you’ve grown to expect from a business bill pay solution plus the ability to interact conversationally with digital assistants and messaging bots. Our Do It For Me® AI-driven capabilities can improve your cash flow and deliver insights about your invoices and payment accounts.
Business Bill Pay

Businesses need smarter payment solutions that allow them to spend less time on their finances and more time on their business. Payrailz Business Bill Pay’s intuitive design makes interactions for bill and invoice presentment and payment simple and engaging. Businesses can establish user entitlements, view their billing information, make one-time, future-dated, recurring and automatic payments, as well as invoice payments to their business partners – or anyone they need to pay.
Customer Pay (Disbursements)

Customer Pay enables frictionless digital payment experiences between your business clients and their customers. It provides them the ability to disburse payments electronically to their customers holding accounts at financial institutions in the United States – simply by providing an email address or mobile phone number. Payments can be delivered in real time, same day, next day, or on a future date.

External Transfers (A2A)

Responding to your business clients’ expectations requires being able to facilitate transactions across any banking relationship. This service enables your businesses to move money between accounts at your financial institution and accounts they hold at other financial institutions in the United States. Transfers can be delivered in real time, same day, next day, on a future date or recurring schedule.
New Account Funding (A2A)

Make getting started with your financial institution as easy as possible with solutions like New Account Funding, which allows businesses to fund newly opened deposit accounts from checking and savings accounts they hold at other financial institutions in the United States. With our advanced authentication solutions, you can rest assured that transfers are delivered accurately and securely.

Credit Pay Lite

Leveraging the financial institution's online and mobile banking platform, Credit Pay Lite provides consumers with the ability to view their summary loan and credit card statements and make their payment via internal and external checking and saving accounts. Consumers are given the flexibility to make onetime and recurring payments for both variable or set payment amounts.
Credit Pay Pro

Credit Pay Pro provides consumers with multiple ways to make their loan and card payments with their financial institution, via their website, a Call Center, and IVR.The consumer has the ability to view their summary and detail loan and credit card statement information and pay via internal and external checking or saving accounts or even debit card. Consumers are given flexibility to make one time and recurring payments for variable or set payment amounts.Users can make guest payments or register to save their information for future payments.
Payment Consolidator

Payment Consolidator allows for a financial institution to become an electronic biller of Payrailz’s Electronic Payment Network allowing the FI to receive electronic payments from their end users to their loans, mortgages, and credit cards via any Bill Payment Service Provider. Payrailz’s Payment Consolidator also allows small and local billers the ability to join an Electronic Payment Network in order to receive electronic payments and reduce the need to process checks.