Universal ecommerce Solutions for Municipalities

Transcription

1 Universal ecommerce Solutions for Municipalities

2 To: Municipal Officials Re: Internet payments for your organization Dear Municipal Officials, Thank you for the opportunity to present, the Universal Collection Solution from Systems East, Inc. Our innovative product allows customers to pay for any financial obligation by credit card, debit card, and electronic check. Payments may also be accepted over the Internet, telephone, or in person anytime from one convenient solution. Most importantly, you may participate with minimal cost to both you and your valued customers. The unique billing features offered by Xpress-pay.com provide a myriad of collection methods to suit your unique situation. This allows your entire organization the greatest freedom to automate your collections, and realize an immediate return on your investment. Finally, the enhanced customer service provided with implementing this product is sure to enhance the overall experience your customers receive with your organization. All this is achieved through an unrivaled combination of features. Once again I would like to thank you for your interest in Xpress-pay.com, and the direct benefits it will provide you. The following offers a quick insight into how the site operates, and what that means for you. If you have any questions, please feel free to contact me directly, and I look forward to working with you soon. Sincerely, Gary DeBaise Sales Representative

3 What this solution does for you Cash flow: Improves collections and reduces delinquency rates Flexibility: After enrollment you gain access to all the site s features at no extra cost Efficiency: Streamlines receipting, payment processing, and cash flow Versatility: Accept payments by Internet, telephone, and in person Customer convenience: An imperative during times of high traffic volume How we accomplish this Experience: Twenty-eight years in finance and collection software development Accessibility: Completely web-based solution available 24 hours per day Scalability: Working with a third-party bill delivery service allows you to recoup your fees Stability: Utilize our well established merchant services providers for payment clearing Variety: Accept payments by credit card, debit card, and electronic check

4 The basics Step 1: Select the state, firm, and the type of bill you wish to pay. This step can be avoided by using a link from your site. Step 2: Enter information about your bill. The search fields are chosen by the company you are paying.

5 Step 3: Select the bill(s) you wish to pay. For this example, we will pick only the first bill dated November 1. Step 4: Review the bill(s) in the shopping cart, then proceed to payment.

6 Step 5: Provide payment information and confirm. A receipt is displayed and ed. Note: Sensitive personal information is never stored or passed to the merchant. Courtesy notifications are periodically provided for any outstanding bills.

7 For deposits of any amount, simply select the appropriate bill type and enter the relevant information. The Continue button starts the checkout process.

8 You may also sell non-retail goods and services of any kind. Your customer simply enters the quantity desired and clicks Add to Cart to begin the checkout.

9 Shopping cart interface One of the ways achieves its widespread applicability is by accommodating organizations of any size. While many may simply wish to have a bill payment link from their web site, clients with more evolved web sites may wish to have visitors navigate their site first to determine payment amount. Visitors originate their payments at your site to instill confidence and encourage payments. After continuing, visitors are seamlessly navigated to our secure shopping cart. As shown above, your company s graphics will also replace those of

10 Although you currently offer credit card payments online, some people still feel more comfortable making payments over the telephone. That s why we created our Integrated Voice Recognition. How it works: Customers call a dedicated, toll-free number to make a payment Our system presents them with self-service payment options Secure payment information is instantly verified via A payment confirmation is returned to the customer for each successful transaction Benefits to your customers: The convenience of paying bills anywhere, anytime, from any touchtone telephone Increased control over finances through selfmanagement Accelerated transaction posting through automated processing Saves time and eliminates postage costs

11 How this will benefit your organization. Inbound telephone payments are self-managed, vastly reducing your payment processing costs Payments are received twenty four hours a day to increase convenience, along with your cash flow By automating telephone services, errors are greatly reduced, while allowing staff to focus on vital tasks and projects IVR plus a suite of additional features enables your organization to provide the greatest payment flexibility, enhancing customer service Costs to your organization. There is a one time charge of $150 to set up your IVR service and to create your own custom script. If you are currently absorbing the credit card fees, you will be charged an additional $1.00 per Completed payment, rather than being charged by someone simply calling the number Costs to your customers. If you are currently absorbing the credit card fees, your customers will continue to pay the total bill amount, with no additional charges If you are currently passing on the credit card fees, your customers will be charged the same site fee they are charged as if they were paying online, based on the structure we have already established, plus $1.00 per Completed payment *Please note that echecks (ACH) are not currently available for IVR payments.

12 Administrative functionality We provide all the tools needed to effectively manage your account and bills: Report payment activity: Display/print payments or download them in Excel or ASCII text Import bills: Post new, replacement, or additional bills in bulk by uploading a file Add or maintain bill types: Add new bill types, specify the search fields, include messages to guide visitors, define your import file format. Enrollment includes an unlimited number of bill types View documentation: Get detailed information here or call us for support Account information: Change your password or other information about your account Maintain interest formula: Define the way you charge interest on bills Add a bill: Post new bills via the screen, one at a time Remove this bill type/remove all bills of this type: Allows you to permanently or temporarily discontinue Internet collection of a bill type

13 Proposal for Xpress-Pay.com Enrollment to Enrollment (includes one magnetic card stripe reader)... $TBD Annual renewal... $TBD Additional magnetic card stripe reader... $TBD Additional merchant account (i.e. separate deposit account)... $TBD Per transaction fee structure... TBD Enrollment Features Installation, setup, and maintenance Staff training Allows for an unlimited number of bill types at no extra cost Posted bill feature allows EBPP for any types of bills-in-hand Instant bill feature allows for payment of arbitrary amounts at any time Unlimited expansion into multiple offices or departments Top-level or department level logins and reporting supported Customized narratives per bill type to guide visitors and reduce telephone inquiries Display your logo on the site to enhance visitor confidence, elevating participation Security: Compliance with the rigid Payment Card Industry Data Security Standard (PCI DSS) 128-bit Secure Socket Layer (SSL) encryption Sensitive account information is never stored, ensuring protection of visitors data Regular security auditing by a 3 rd party, industry-approved PCI DSS compliance vendor Public access to search criteria and billing information is controlled by you Site hosting performed by a major provider in a secure offsite facility

14 Proposal (continued) Administrative: Vastly reduces staff intervention required for payment and deposit processing Complete reporting capabilities in real time at both detail and summary levels Export, view, and manipulate payment information in Microsoft Excel format Add a single bill on-the-fly to provide for immediate payment or correct billing omissions Automatically import data for multiple bill types or import at a later date and time Establish time/date ranges for collection of specific bill types Apply and track interest and penalties per your schedule Print or electronically export itemized payment reports with complete detail Exportation of electronic payment file allows integration with other software packages Access to real-time payment information to view payments in transit Establish secondary administrators to limit access or interdepartmental information Establish or adjust messages to visitors, interest schedules, and other components Removal of older billing or payment information by administrator Upload/download billing or payment information manually via administrative menu Exchange billing or payment information automatically with your FTP site and ours Upload/download multiple billing or payment files simultaneously Billing & payment: Credit card processing Debit card processing Electronic check processing notifications for new and/or outstanding bills Customers can pay multiple bills of any type in a single session Your organization can recover payment processing fees to net 100% of revenue Link from your web site eases navigation by automatically making selections Ability to deposit proceeds from different collection types in different bank accounts Magnetic card stripe reader to expedite in-person payments