Use Cases

Use Account- to-Account (A2A) payments to send money directly to an account. The payor must know the receiving account number and the financial institution routing number.

Accept card payments from online or e-commerce platforms and send them through our secure PCI-compliant processing gateway.

Accept online payments through our business branded, Jack Henry-hosted payments page, part of our SmartPay Express/Biller Direct solution.

Originate one-time or recurring ACH credits or debits that comply with the National ACH Association (Nacha®) rules and regulations.

Make bill payments to any service provider or supplier through our Bill Pay capability. Collect and submit the payment information and leave the processing and fulfilment to us.

Notify customers of payment due and provide a link to a business-branded web page to collect ACH, card, or PayPal payments.

Deposit checks safely and securely using a mobile phone, a tablet, or even from an internet connected personal computer through one of our industry-leading solutions.

Facilitate traditional desktop-scanner-based commercial Remote Deposit Capture (RDC) through our SmartPay or EPS Ensenta suite of check capture solutions.

Use Person-to-Person(P2P) payments to send money to anyone, 24 hours a day, seven days a week, using the recipient’s e-mail or phone number.

Make payments on a mortgage, an installment loan, or any other type of loan through our Payrailz Pay a Loan capability