Modernize your existing payment channels and confidently enter new and emerging channels.
Without real-time payments, you can't meet today's consumer and business needs or compete with fintechs.
JHA PayCenter™ is our innovative payments hub that enables real-time payments through the RTP® and Zelle® networks. JHA PayCenter provides all the required data feeds, eliminates the expense of building and maintaining your own network connections, and will support all future faster payments networks.
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Debit and credit card programs are only as good as the technology driving them.
Our expertise and fully integrated technologies help you optimize card programs. You can compete more aggressively and successfully for top-of-wallet and top-of-app. Our flexible rewards technology provides incentives that help retain cardholders, attract new ones, and encourage card usage. Enjoy the benefit of vendor consolidation and our portfolio advisory services. You'll find managing card portfolios easier and more profitable.
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Businesses need financial management solutions that expedite funds availability and 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, track all deposit activity, and put multiple checks in a single deposit and into multiple accounts.
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The digital era and today's mobile mentality have made anytime, anywhere banking the new industry standard.
Our mobile deposit solutions enable check deposits using smartphones and tablets with smart technology that maximizes image accuracy and clarity. These solutions balance an exceptional user experience with risk mitigation and management. They are seamlessly integrated into existing mobile banking solutions.
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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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The demand for convenient, efficient web payments is strong and growing.
With JHA SmartPay Biller ExpressSM you can meet this demand by enabling 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, electronic bill presentment and payment (EBPP), and generates exception-free remittance or posting files.
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Eliminating time consuming and expensive transaction processing strengthens lucrative commercial relationships and provides competitive differentiation.
Our robust ACH solutions automate the processing of all incoming and outgoing ACH transactions with state-of-the-art file origination and secure transmission. We support payroll direct deposits, direct debit for receivables, all ACH check conversion options, and more.
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Every financial institution is affected by check fraud, and automatically evaluating ATM deposits is an efficient way to manage it.
Our solutions automatically evaluate every check deposited at ATMs, ITMs, and self-service kiosks against more than 200 risk factors. Suspect checks are routed with decision support information for physical review and resolution. We also use accountholder segmentation, risk profiles, duplicate detection, and make real-time queries against national check databases and enterprise fraud systems.
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Today, more than ever, businesses need financial management solutions that increase operating efficiencies and improve cash flow.
You can meet this need with automated, integrated receivables management. JHA Integrated Receivables let you support diverse businesses with efficient remittance, lockbox, and electronic receivables processing. Our 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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