Payments That Work the Way Banks Do
Banks trust Orbipay payment solutions to simplify payment operations, reduce risk and cost, and deliver modern digital experiences that strengthen customer relationships.
Challenges
Navigating Complexity While Protecting Market Share
Banks are struggling to keep pace in a real-time world while tethered to disconnected, legacy infrastructure. Managing separate vendors running siloed payment systems drains resources and frustrates your customers. Common pain points include:
Disconnected systems for loan payments, the FedNow® Service, the RTP® network, ACH, wires, and other rails
Legacy batch cycles lead to weekend posting delays and increased manual exceptions
Growing demand for real-time payments that legacy systems can’t support
Deposit attrition to digital wallets for faster payment access
Modernizing payments doesn’t require a full core overhaul—just a unified, digital-first approach that brings all payment experiences together.
Solutions
Explore our Solutions
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
Works With the Systems You Already Trust
Seamless integration with your:
- Core banking platform
- Loan Origination Systems
- Digital banking system
- Treasury and back-office systems
- Fraud & risk platforms
Value
Why Banks Choose Alacriti?
We help banks transform their payment ecosystems to stay competitive, drive fee income, and adopt real-time rails without the risk of a core replacement. With Alacriti, you get:
Two decades of deep payment industry expertise
A core-agnostic, future-proof platform
A partner that evolves with your innovation roadmap
Rapid, 90-day implementation with ongoing expert support
Business Impact
With Our Solutions, Your Bank Can:
Protect Deposits and Drive Revenue
Stop deposit attrition by keeping liquidity in-house rather than losing it to third-party digital wallets.
Modernize Without Compromising Your Core
Plug in advanced payment capabilities for ACH, wires, and instant rails while keeping your existing systems—no massive rebuild or core replacement required.
Reduce Operational Burden
Streamline workflows for payments such as ACH, wire, and loan to reduce back-office and call center load.
Unlock New Revenue Opportunities
Build new high-value use cases for commercial and SMB customers, including real-time disbursements, P2P for business, RfP, and premium instant money movement.
Strengthen Security and Compliance
Deploy multi-layered, real-time fraud screening and automated OFAC validation designed specifically for the speed of irrevocable instant payments.
Position Your Bank for the Future
Adopt real-time and instant payment rails at your own pace with a core-agnostic, scalable platform built to support future innovations like stablecoins and tokenized deposits.
Customer Perspectives
We Help Customers Achieve Superior Business Outcomes
Alacriti EBPP Solution Enables UMB Bank to Increase Revenue and Build Client Trust
Customer
UMB bank
Industry
Bank
White-Label Options
Deliver World-Class Payments Technology—Powered by Alacriti, Branded by You
Alacriti’s platform can be fully white-labeled, allowing your bank to deliver sophisticated digital payment experiences under your own brand—without the multi-million dollar cost or multi-year timeline of building from scratch.With white labeling, financial institutions can:
- Launch modern digital payment solutions under their own name
- Offer branded customer and business portals, payment pages, and mobile experiences
- Embed Alacriti’s APIs, rails, and workflows behind the scenes
- Maintain consistent brand identity across all customer-facing touchpoints
- Accelerate time to market for new payment capabilities
- Reduce operational and development overhead
- Scale as adoption grows, without infrastructure concerns
Whether you are modernizing your branded loan payment portal or launching a full-scale payments hub for commercial treasury, our flexible model ensures the technology aligns perfectly with your bank’s standards and visual identity.
Let’s Modernize Your Payments Strategy
See how Alacriti helps banks consolidate legacy silos and unlock the full power of real-time, digital, and unified payments.
