Modern, Faster Payments
Don’t let complex legacy infrastructure slow your digital-first banking strategy. Whether you are looking to connect to new rails or simplify how your accountholders pay their bills, we provide the tools to help you move money at the speed of life.
Overview
Orbipay Platform
One Engine, Endless Possibilities
The Orbipay suite runs on a single, powerful processing engine designed to launch new money movement capabilities—fast. We provide the modern, core-agnostic foundation you need to innovate without the “rip and replace” headaches.
Modern & Future Proof User Experience
Deliver intuitive, frictionless, unified money movement experiences that keep your members/customers coming back.
Operational & Cost Efficiencies
Ditch the manual tasks. Automate your workflows and get a crystal-clear, unified view across every payment rail to slash overhead and boost your bottom line.
Rapid Time To Market
Don't let legacy tech slow you down. Our out-of-the-box integrations mean you can launch modern payment services quickly.
Scalability & Resiliency
Our cloud-native, microservices architecture is built for growth and maximum uptime. Designed for maximum uptime, you get a platform that is resilient and ready for whatever comes next.
One Connection, Every Rail
Our Orbipay Payments Hub offers a unique grow-as-you-go model that lets you progressively modernize individual rails—including the RTP® network, the FedNow®Service, Zelle®, Visa Direct, ACH, and wires—at your own pace. Built on a cloud-native, ISO 20022-native foundation, the hub centralizes everything from initiation to settlement in one smart orchestration engine. Intelligent routing optimizes each transaction while removing the burden of managing siloed vendors.
End-to-end payment orchestration and processing via:
- The RTP® network
- The FedNow® Service
- Visa Direct
- Fedwire
- ACH
- Zelle®
Because Your Payments Shouldn’t Live in Silos
Why force your accountholders to navigate a different experience every time they need to move money? Unified Money Movement (UMM) provides a single, simple interface for consumers and businesses to handle P2P, account funding, Requests for Pay, transfers, and loan payments.
A seamless experience across every consumer touchpoint, including:
- Electronic Bill Presentment & Payment (EBPP)
- Loan Payments
- A2A Transfers
- Payouts
- Request for Pay (RfP)
- P2P With Zelle®
Payment Channels
- Mobile
- Web
- IVR
- Agent
- Walk-In
- AI Chatbot
Payment Methods
- ACH
- Credit (where permitted)
- Debit
- Cash
- Check
- Apple Pay / Google Pay
Payment Options
- One-Time
- Recurring
- AutoPay
Electronic Bill Presentment & Payment (EBPP)
Upgrade your treasury toolkit without the tech-heavy lifting. Orbipay EBPP allows resellers to offer white-label, multi-channel billing and invoicing solutions to commercial clients instantly. Expand your offerings without building or maintaining complex infrastructure, while giving your clients the modern payment options and channels today’s consumers expect.
Modern Treasury Made Effortless:
- Accelerate Receivables
- Reduce Operating Costs
- Improve Customer Satisfaction and Retention
Loan Payments
Orbipay Loan Payments enables banks and credit unions to meet borrowers wherever they are—on the web, mobile, or phone—turning a standard transaction into a frictionless, self-service experience. By offering tools that fit into their daily digital lives, you empower them to stay on track.
On One Configurable Platform for Your Brand:
- Lower Servicing Costs
- Accelerate Cash Flow
- Improve Operational Efficiency
Bank Account Verification & Validation
Protect your institution by ensuring every payment goes to the right place. Orbipay Bank Account Validation & Verification (BVV) Service provides real-time, automated checks to confirm account ownership and status before transactions are initiated. Eliminate administrative returns and meet Nacha compliance requirements without adding friction to the user experience.
Automated Security and Compliance:
- Confirm account status and ownership instantly to prevent fraudulent activity
- Seamlessly meet Nacha WEB Debit validation requirements
- Identify high-risk accounts and potential fraud before money moves
- Minimize costly ACH returns by validating data accuracy at the point of entry
Case Studies
Modernization in Motion
Modernize and future-proof your payments to drive innovation, streamline operations, and reduce costs with Orbipay today.
