One Unified Platform for Every Money Movement
Streamline operations and drive efficiency with a unified solution for all money movement. Our future-proof solution consolidates loan payments, payouts, and transfers into one intuitive API-enabled layer, allowing you to serve both consumers and businesses while reducing operating costs and call center volume.
Challenges
The High Cost of Disconnected Systems
Today’s consumers and businesses expect money movement to be instant and intuitive. However, complex legacy infrastructures make it extremely challenging and costly for financial institutions to evolve. Common pain points include:
Rigid legacy systems that hinder scalability and compliance
Manual workflows that increase operating costs and call center volume
Disjointed user experiences that impact customer satisfaction and retention
Payment silos that obscure visibility into cash flow, liquidity, and performance
Solution
Unify Experiences, Accelerate Growth
Orbipay Unified Money Movement provides a suite of cloud-native applications that integrate seamlessly with your existing digital banking platforms and core systems. Our solution delivers instant, frictionless journeys for consumers, SMBs, and commercial clients while ensuring a single source of truth for your operations team.
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
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
- Point-of-sale payments
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
Value
Why Unified Money Movement?
Built to deliver seamless, innovative payment experiences across every segment
Orbipay Unified Money Movement is a cloud-native, SOC2-compliant suite that modernizes how customers move money. It integrates with your digital banking platform or runs standalone, helping your institution launch faster and scale confidently:
- Speedy deployment for instant account funding, loan payments, and transfers
- Deliver frictionless experiences across consumer, SMB, and commercial segments
- Gain a single source of truth for visibility into cash flow and liquidity
Key Capabilities
Empower Your Organization With a Unified, Data-Driven Suite
Unified Source of Truth
Break down silos for total visibility into liquidity, cash flow, and rail performance
360° Money Movement Center
Empower staff to view history, manage profiles, and schedule payments via a dedicated care portal
Centralized Reporting
Drive decisions with a consolidated view of customer behavior and transaction data across all channels
Cloud-Native Agility
Scale effortlessly with a microservices architecture that integrates seamlessly via open APIs
Omnichannel Orchestration
Deliver consistent, frictionless experiences across mobile, web, IVR, and agent channels
Business Impact
The Business Case for Modernizing Payments
Reduce costs
Increase Compliance
Faster Time-to-Market
Increase Deposits & Loyalty
Enhance Operational Efficiency
Future-Proof Infrastructure
Customer Perspectives
We Help Customers Achieve Superior Business Outcomes
Decreased Loan Payment Operating Costs by 25%
Customer
IH Mississippi Valley Credit Union
Industry
Credit Union
Frequently Asked Questions
What is Unified Money Movement?
Unified Money Movement is a comprehensive suite of cloud-based applications that centralizes and modernizes the digital payment experience for your accountholders. Unlike fragmented legacy systems that create inconsistent user journeys, a unified solution ensures that whether a customer is paying a loan, transferring funds to another FI, or sending money to a friend, the experience is intuitive, seamless, and consistent.
How does Unified Money Movement work?
It operates as an agile application layer that connects directly to your existing systems. Using pre-built connectors and open APIs, it seamlessly integrates with your digital banking, risk, and core platforms. This allows you to deliver a full spectrum of modern money movement services without requiring a massive overhaul of your current infrastructure or expensive upfront investments.
What are Alacriti’s Unified Money Movement solutions used for?
Financial institutions use these solutions to provide a frictionless, centralized payment experience across all channels. Key capabilities include:
- Loan Payments and Bill Pay: Accepting payments across multiple channels (mobile, web, text, IVR) using methods like ACH, debit, or digital wallets.
- A2A and P2P Transfers: Enabling accountholders to move money effortlessly between different financial institutions or send funds to friends securely.
- Digital Disbursements: Sending quick digital payouts (like insurance claims) using just a mobile number or email address.
- New Account Funding: Providing convenient, instant funding options to reduce account application abandonment rates.
- Customer Care: Empowering customer service staff to view transaction history, access profiles, and manage payments on behalf of users.
Does Unified Money Movement improve operational efficiency?
Yes. By breaking down traditional payment silos, it creates a single source of truth for your institution. This unified approach provides centralized data warehousing and reporting, giving your staff unparalleled visibility into customer behavior, cash flow, and payment rail performance. This consolidated view across all channels empowers your team to make faster, data-driven business decisions and offer customized recommendations to accountholders.
Let’s Talk About Your Money Movement Strategy
See how Orbipay Unified Money Movement can simplify integration, accelerate digital innovation, and deliver the frictionless payment experiences your accountholders demand.
