Capabilities

Real-Time Payments

You can’t meet today’s consumer and business expectations or compete with the fintechs reinventing the industry without real-time payments.

JHA PayCenter^™ is the innovative payments hub that enables real-time payments to be sent and received with seamless connections to the RTP^® and Zelle^® networks. JHA PayCenter provides all the required data feeds, eliminates the expense and resources required to build and maintain your own network connections, and will support all future faster payments networks.

Solutions & Insights

Video | Meet Demand for Real-Time Payments with JHA PayCenter^&traded;

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Debit, Credit, & ATM Driving

Debit and credit card programs are only as good as the technology driving them. Our sophisticated, modern, fully integrated technology and expertise are helping diverse financial institutions optimize their card programs and compete more aggressively and successfully for top-of-wallet and top-of-app. Our flexible rewards technology provides incentives that help retain cardholders as well as attract new ones and encourage card usage. Our cards platform enables seamless growth and vendor consolidation and our advisory services make managing card portfolios easier and more affordable.

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Video | Feature-Rich Transaction Processing from CPS Means You’ll Simplify Your Operations and Drive Revenue

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Commercial Remote Deposit

Businesses need financial management solutions that expedite funds availability and ultimately improve cash flow. Our commercial remote deposit solutions enable businesses to quickly, accurately, and securely deposit checks using desktop scanners and mobile devices. These solutions provide unique commercial functionality including the ability to support multiple users, maintain login credentials, deposit multiple checks in a single deposit and into multiple accounts, and track all deposit activity.

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Consumer Mobile Deposit

The digital era and today’s mobile mental have made anytime, anywhere banking the new industry standard. Our mobile deposit solutions enable checks to be deposited using smartphones and tablets with patented technology maximizing image accuracy and clarity. These solutions uniquely balance an exceptional user experience with risk mitigation and management and can be seamlessly integrated into existing mobile banking solutions.

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Consumer & Business Bill Pay

Both consumers and businesses expect digital technologies to streamline their interactions and transactions, including bill payments.

iPay Consumer Bill Pay™ supports single, recurring, expedited, and person-to-person payments, near real-time card-funded payments, and voice-driven payments. iPay Business Bill Pay™ provides multi-user entitlements for employees, automatic delegation of payment tasks, account-to-account interbank transfers, digital payroll deposits into multiple accounts, and more.

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Web Payments

There is strong and growing demand for convenient, efficient web payments. With JHA SmartPay Biller Express^℠ you can meet this demand by enabling diverse businesses, nonprofits, and billers to accept one-time and recurring payments and donations through their existing websites. Our web payments portal supports multiple payment types, supports electronic bill presentment and payment (EBPP), and generates exception-free remittance or posting files.

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ACH Origination & Processing

The ability to eliminate time consumer and expensive payment processing can strengthen lucrative commercial relationships and provide competitive differentiation. Our robust ACH solutions – ACH Client^™ and ACH Manager^™ – automate the processing of all incoming and outgoing ACH transactions with state-of-the-art file origination and secure transmission. It supports payroll direct deposits, direct debit for receivables, all ACH check conversion options, and more.

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ATM, ITM, & Kiosk Risk Management

Every financial institution is impacted by check fraud. Ensenta ATM Risk Management and check Image Processing^℠ leverages patented technology to automatically evaluate every check deposited at ATMs, ITMs, and self-service kiosks against more than 200 risk factors. Suspect checks are identified and routed with decision support information for physical review and resolution. This risk management solution also leverages accountholder segmentation, risk profiles, real-time queries against national check databases and enterprise fraud systems, and duplicate detection.

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Integrated Receivables

Businesses can materially increase operating efficiencies and improve cash flow with automated, integrated accounts receivables management. With JHA Integrated Receivables you can support diverse businesses of all sizes with efficient, electronic remittance, lockbox, and check image processing. Our seamless solution captures images of checks and payment documents, generates electronic deposits, and archives all images and transaction details for ongoing access.

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