Online Bill Pay for Your Utility Customers

Over 80% of U. S. households now have Internet access, and at least 85% of all Internet users shop or bank online. Without a doubt, Online Bill Payment has been the #1 requested new feature by our Utilities and their customers. Not to mention, offering Online Bill Payment can often increase a Utility’s total collections—sometimes by as much as 20%.

RWI is pleased to introduce our new Online Bill Payment solution—powered by Xpress-Pay!
Xpress-Pay is offered by Systems East, a leader in the finance/collections industry for more than 30 years. Xpress-Pay allows your utility to accept any invoice or arbitrary payments by credit card, debit card, or electronic check over the Internet or in person any time, 24/7/365. Payment methods include online, telephone, or mobile payments by credit card, debit card, and electronic check.

Benefits include:

• Increased collections
• Enhanced customer service and satisfaction
• Save money through reduced supply, postage, and staffing costs
• All system features included, no additional modules to pay for
• 24-hour availability allows customers to conveniently pay at any time, from any location
• Internet standards increase security and customer participation. A receipt is presented on-screen and delivered by email.

Has the time arrived for you and your customers to benefit from the convenience of Online Bill Pay?

For questions or to enroll, simply Contact Us

Making eCommerce easy.

Imagine a single solution for all of your collection needs. With Xpress-Pay, you can immediately offer the following payment methods:

• Mobile Payments: Place a link or bar code (QR code) anywhere to allow consumers to use their mobile device to make secure, convenient payments or donations.
• Web Payments for Posted Bills: Upload a spreadsheet or file to allow your customers to locate and pay bills, including interest per your schedule
  Email feature alerts past visitors of new or outstanding invoices.
• Web Instant Payments: Allows immediate Internet or in-person deposits and payments for any amount or purpose.
• Telephone Payments: Provides additional convenience for your customers by accepting payments by phone.

Additional features include:

• Posted bills such as invoices or premium amounts are presented with interest per your schedule.
• Email notification to alert past visitors of new or outstanding posted bills.
• Instant bills allow payment for arbitrary purchases, fees, or deposits.
• Mobile payments initiated by a bar code and completed on the consumer’s phone.
• Visitors may perform multiple transactions in a single session.
• Integrated USB credit/debit card stripe reader expedites in person transactions.
• Customers pay a part of the processing fees, reducing your transaction costs.
• Powerful administrative menu provides all the functionality you need for daily operations and reporting.

Powerful Admin Features

Xpress-Pay’s Administrative Menu has everything you need to set up and post any type of bill, define interest schedules, and report payments. Designed specifically for municipal and utility collections, Xpress-Pay provides all the tools you need to effectively manage your account and your bills:

• Payment reporting: Display/print payments or download them in Excel or ASCII text
• Upload bills: Post new, replacement, or additional bills simply by uploading a file
• Add or maintain bill types: Add new bill types or set options such as the search fields, messages to guide visitors, and others. Your 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 account information
• Maintain interest formula: Tell us how you charge interest on bills
• Add a bill: Allows you to add bills without uploading an entire file
• Remove this bill type/Remove all bills of this type: Allows you to permanently or temporarily discontinue Internet collection of a specific type of bill

For questions or to enroll, simply Contact Us

Frequently Asked Questions

How much does it cost to offer Online Bill Pay?
There is typically a nominal enrollment fee and set up fee for your merchant account. For the optional IVR phone system, there is a onetime $150 setup to acquire the dedicated toll-free number. For each transaction, there is a varying percentage fee charged by the credit card companies, along with a very modest fee on each transaction. Typically, this cost is presented to the customer in the form of a “convenience fee”, visible before any personal information is entered. Or, the utility may choose to absorb some of these fees. When you enroll, we will guide you through the options in detail so you can decide how you prefer to present it. Please contact us for complete information.

Will we also be able to accept credit cards in person, over the counter?
Yes. In addition to posting bills, we also allow the direct entry of billing and payment information as a single process. Combined this with a magnetic stripe reader, your collection efforts over the Internet and over the counter are now consolidated.

Can we consolidate collections as a single customer?
Yes. Example: You may list each department’s bills as a separate type and later use our payment reports to disburse the funds appropriately. This presents a substantial cost savings.

Do charges apply if we decide to post additional types of bills?
No. Once enrolled, you may post as many types of bills as needed without additional charge. As a matter of fact, all features and typical support is included with your enrollment.

What is an electronic check (eCheck)?
21st Century Banking Regulations (Check 21) allow eChecks to be instantly submitted to the Federal ACH using the routing and account numbers at the bottom of every check. Anyone with a checking account can issue one, and it eliminates your mail processing and depositing.

How do you balance public access with privacy?
The Internet is the perfect public access forum, but privacy is an issue. We let you balance the two by allowing you to choose what billing information is uploaded, which fields comprise the search criteria, and which fields are required to find a bill. In addition, sensitive information entered during the payment process is highly encrypted on secure web pages.

For questions or to enroll, simply Contact Us