Payments and transfers for financial institutions
Our suite of unified payments applications offers a fully integrated, customizable money movement solution that facilitates the fast and simple delivery of modern payment experiences to your consumers based on your existing systems
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 silos 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.
P2P With Zelle®
By deploying Zelle® through Alacriti’s solution you can launch Zelle® quickly with a pre-certified UI and API, built-in real-time fraud checks, and full integration with your core and digital banking platforms.
Unified directory services, and automated compliance reporting keep the experience seamless, secure, and entirely within your brand.
- Payments by email, U.S. mobile number, or Zelle® tag with no extra apps
- Core and digital banking integration with ACH settlement
- Seamless fraud and compliance protection built in with Alacriti
Supports:
Digital Engagement
Customer Loyalty
Competitive Positioning
Increased Revenue Potential
Fast Deployment Without Core Change
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
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
