Consumers want digital everything, including payments. Salesforce reports that most consumers across all age groups expect personalized digital interactions and prioritize convenience over brand, while 82% use or are interested in using self-service portals.
Wherever your organization is in its online payments journey, ExpressoPay® can help you address this digital imperative. ExpressoPay expedites payments, increases operating efficiency and improves customer satisfaction with a personalized financial engagement experience.
ExpressoPay is as flexible, user-friendly and powerful as Expresso™. Plus, our electronic bill presentment and payments (EBPP) system integrates with Expresso to let clients manage the entire billing and payments cycle on a single platform. It’s also secure and private, as the ExpressoPay platform holds PCI DSS Level 1 certification, the most stringent and required for companies that process 6 million card payments or more per year.
Designed to suit your needs
Many clients leverage the platform for a hosted portal branded to the biller or healthcare provider. Others prefer ExpressoPay’s advanced integration capabilities, including single sign on (SSO) and API options. All of the solutions are highly configurable and contain multiple levels of security and compliance.
Which approach is best for your organization? Here’s a quick look at configuration options:
Branded biller site
Nordis can create digital payment portals for all of your and your clients’ brands. It’s our most popular option and enables clients to quickly introduce online payments by leveraging our cloud system and user interface (UI). In fact, your branded site with a standard configuration to collect credit card payments could be up and running in as little as 30 days.
With ExpressoPay, you can accept multiple payment types across most channels, including interactive voice response (IVR). Billers can offer customers one-time payment/quick pay and the option to create an online profile so they can see their statements, check their payment history and make payments. As an enrolled user, consumers can set up a virtual wallet, with preferred ACH or credit/debit card credentials which are retained for future payments.
A hospitality client moved to ExpressoPay because its previous provider offered only one-time payments for online users. When timeshare owners made their monthly mortgage payments, they’d have to re-key and resubmit all of their information. Now, owners can enroll in recurring/automated payments and safely store their credit or debit card or ACH information. The client reported a 40% adoption in enrollment.
Billers can also use ExpressoPay to drive digital adoption. For example, the branded site can allow customers to select print or digital communications delivery, including text. This scores high marks with consumers since those that pay online are more likely to opt-in for electronic billing. It decreases print and postage costs for billers while providing an improved customer experience.
Single Sign On (SSO)
With this option, clients host their portal and keep authentication on their site but also use Nordis’ ExpressoPay system. When their customers click the payment button, they’re notified they’re being transferred to a third-party site to facilitate payment. They move securely to Nordis’ payment site and don’t have to input their login credentials again or maintain a separate username/password. The UI is similar to the biller portal, and customers can see their balance, statement history, and other information and make payments.
APIs
Our API configuration is an option for clients that perfer to host and manage their own customer payment UI: hosting screens, controlling the logins, maintaining the profiles, etc. Clients control the experience for their customers and connect to ExpressoPay through an API to have Nordis handle the payments. With PCI compliance growing more complex and costly every year, using ExpressoPay on the backend allows clients to shift compliance requirements to Nordis.
Adding IVR payments
Some companies don’t have interactive voice response set up, so they can only accept phone-based payments through customer service representatives (CSR). This shortcoming can hamper customer service, as it did for a Nordis client without IVR and a call center open only Monday through Saturday, from 8:30 to 5:30 Eastern. If customers wanted to make a payment by phone after hours, they had to wait till the next day to call.
The company turned to ExpressoPay to handle all its IVR payments. This approach frees up agents and caters to consumers who prefer to call any time, day or night, and make a payment without talking to someone. IVR can also be leveraged even when speaking with a CSR who can service the customer and then transfer them to the IVR only for the payments transaction so they don’t have to take the credit card information over the phone.
ExpressoPay is expanding
Since launching ExpressoPay in 2014, Nordis has added capabilities that deliver greater biller and consumer value. Integrated payment management is coming, and we’ve recently partnered with Finexio to expand the scope of ExpressoPay to include digital accounts payable (B2B) payments.
Whether you want to begin accepting online payments, have an existing but inefficient payment portal, want to hand off the payments and compliance portions, or are looking for B2B payments options, ExpressoPay® has a solution for you.
For more information, contact us today!