The Intelligent Payment Platform

Intelligent interactions, billing, statements, payments— it’s all here and delivered through Paymentus’ proprietary Intelligent Payment Platform (IPP). The best-in-class payments platform unlocks the full potential of every bill and statement, while delivering critical operational capabilities and seamless integrations to keep your organization running at its peak.

View the full suite of IPP capabilities below.

The Intelligent Payment Platform

Multimodal Interactions & Payments Hub

Omnichannel Billing & Payment Channels to Serve All

From walk-in to web, give consumers the power to access billing information and make payments through their preferred way with intelligent self-service. Reaching 100% of your consumership including online portals for registered users with shopping carts, quick pay one-time web options, IVR (phone) experiences, in-person at agency or retail locations, Account-to-Account (A2A) and Peer-to-Peer (P2P), as well as payments by text, email, chatbot, and the patented, fastest way to take a payment with BillWallet®.

Expert Delivery of Bills, Invoices & Communications

Provide awareness and full visibility to your customers of bill and invoice details while driving customers to receive bills digitally through our many presentment options including paper suppression, eBilling via email, text, and mobile, as well as online access to PDFs and document images, and full bill print and statement services of paper bills.

Comprehensive & Fully Integrated Payment Methods

Provide maximum payment optionality by offering credit card (AMEX, Visa, Mastercard, Discover), debit card, ACH/eCheck, cash at retail locations and in person, and popular digital wallets including PayPal, PayPal Credit, Venmo, Apple Pay, Google Pay, including our Instant Payment Network® (IPN).

Flexibility in Payment Frequency & Payment Plans

Increase payment adoption with intuitive AutoPay or recurring payments, one-time and scheduled one-time payments, and pay now/pay later. Provide financial flexibility and financing options with pre-arranged parameter-based payment plans and the ability to enable your customers options when affordability and specialized payment needs arise.

Streamlined Operations & Transparency

Intelligent Reporting, Reconciliation & Analytics

Gain complete visibility with comprehensive reporting and reconciliation through the state-of-the-art admin solution Agent Dashboard, offering real-time visibility for all transactions, regardless of payment method or channel. View agency analytics, monitor digital adoption and consumer behaviors, and review all facets of payment details in a single line of sight.

Agent-Assisted & Call Center
Solutions

Simplify payment options for customers requiring live agent and call center staff assistance by offering the patented Secure Service® for IVR, SMS, and email. Improve communication, visibility, and efficiency of all live-agent interactions including virtual terminal options.

Digital Payouts, Refunds &
Disbursements

Maximize consumer payouts and modernize the legacy physical check with fast and efficient digital payouts. Additionally, refunds, deposits, premiums, and many types of disbursements are delivered in a multichannel environment with diverse payment options for your customers.

Cash Management, Cashiering & Point-of-Service

Modernize and ease revenue collection for in-office transactions and data for the cash management of in-person payments for any payment type or payment method, all while maintaining seamless integration into your agency-wide systems of record, utilizing secure hardware devices from check scanning to card, and everything in between.

Adaptable Business Solutions for Maximum Flexibility

Cloud Commerce for a Better Digital Experience

The Paymentus PAY OS is a fully-hosted SaaS solution that provides modern user-interfaces and hosts all aspects of the billing and payment experience. Deploy billing and payment solutions anywhere, to be used by any device, and be paid with any payment method.

Integrations with 450+ systems of record and multiple deployment options allows choice and versatility to meet your business needs. From a true developer portal toolkit with APIs, SDKs and the Pixels by Paymentus toolkit, to our workflow and NCLC interactive application (iApp) engines, Paymentus makes integration, implementation, and deployments easy and proven.

Business Expense Management & Payable Tools

Help manage your businesses’ finances beyond customer transactions with the capability to invoice vendors, manage accounts payable (AP) and accounts receivable (AR), and control expenses—including issuing and monitoring employee expense cards.

Security, Compliance & Fraud
Prevention

As a Level 1 PCI-certified service provider, Paymentus reduces the compliance burdens for our customers with our fully hosted, cloud-based intelligent platform. From Nacha account validation and early warning systems to full HIPAA, SOC 1, SOC 2, and ADA compliance and protections, Paymentus has you covered with our fortress level safeguards, fraud prevention, and intrusion management security.

The Patented, Autonomous Billing & Payment AI Suite

Harness the power of Plaito, our AI platform purpose-built to power the future. The AI-powered core infrastructure enables rapid development, onboarding, and customization, with proprietary AI-powered capabilities delivering bill presentment, payment, personalization, and real-time analytics.

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Multimodal Interactions & Payments Hub

Whether based on need or preference, customers expect to view, receive, and pay their bill through the method and channels of their choosing. IPP exceeds customer expectations by offering the widest array of bill presentment options, payment methods, and payment channels including digital wallets, in-store cash, automated chatbots, BillWallet®, advanced eBilling, and flexible payment plans.

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Streamlined Operations & Transparency

Transform your ability to view, track, and manage your day-to-day operations while removing compliance burdens for your organization and staff. IPP delivers intelligent reporting your organization and staff can use for actionable insights, to perform system health checks, monitor consumer behaviors, and formulate strategic initiatives to drive usage of your most cost-efficient payment channels and methods.

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Adaptable Business Solutions

IPP is complementary to your business and its unique needs. Our fully-hosted SaaS solution offers seamless integrations with 450+ systems of record along with multiple deployment options. Beyond expense management and payable tools, IPP also offers full Level 1 PCI, Nacha account validation HIPAA, SOC 1, SOC 2, and ADA compliance and protections. What’s more, our patented, autonomous billing and payment AI suite enables rapid development, onboarding, and customization for bill presentment, payment, personalization, and real-time analytics.

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Ready to Make Your Bills Worth More Than Ever Before?

Let’s talk! Our team of billing, payment, and engagement experts are ready to show how your organization, staff, and customers can benefit from the Intelligent Payment Platform. Contact us today to learn more about how IPP brings together all of the essential elements your organization needs to meet any customer preference, experience continuous innovation, and operate under fortress-level security.

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