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Payments and Transfers
Streamline Your Banking Operations
Help your business clients streamline their banking operations with a full suite of cash management capabilities and payment and transfer options that enable them to move money efficiently and gain control over payment processes.
Help Business Clients Retain Control
Apiture integrates a full suite of cash management tools into Business Banking, allowing your business clients to spend less time worrying about their finances and shift their focus to running their business. Simple solutions allow businesses to:
- Control complex cash management processes, including ACH origination, wire transfers, business bill pay, ACH and check fraud services, internal transfers, and tax payments
- Review and approve ACH and wire transactions anywhere, anytime
- Easily build a contact list and quickly pull these contacts in as recipients for ACH payments
Offer Integrated Bill Pay Solutions
Because your clients are busy running their own businesses, they require simple, intuitive solutions to streamline operations. With business bill payment that is fully integrated into Business Banking, your business clients can:
- Establish access levels to manage users, schedule payments, and approve payments before they are sent
- Integrate with leading providers, including CheckFree® Small Business, iPay Business Bill Pay™, FIS™ Bill Pay 2.0 and FIS™ Business Bill Pay, and Payrailz®
- Set up e-bills, payment reminders, and automatic payments, as well as expedite payments and attach invoices
Utilize Check Capture Services
For small businesses, the process of depositing daily checks can be cumbersome and inefficient. To streamline this process, your institution needs a technology solution so business clients can handle multiple daily deposits. Our remote deposit capture solution helps businesses:
- Eliminate trips to the branch and accelerate access to funds
- Capture check images digitally, then make batch deposits through the remote deposit capture solution
- Take advantage of security features, such as multi-factor authentication, entitlement configurations, and risk controls
- Gain easy access to the tool via single sign-on to online or mobile platforms
The Ability to Pay in Real-Time
To meet demand for faster payments, Apiture’s Business Banking solution enables real-time payments through FedNow and The Clearing House’s RTP. With real-time payments, you can:
- Provide businesses with an account-to-account instant payment option available around the clock
- Send payouts that require speed such as gig economy pay, off-cycle pay (e.g. termination, bonuses, or expenses), real estate closings, emergency insurance payments, and COD replacements.
- Provide a lower cost payment option than wires
Access Business Payment Options
Small businesses are increasingly looking for fast, safe, and easy ways to send money to others for services provided. Apiture offers an integration to Zelle®, providing a quick way to send, request, and receive money with an email address or U.S. mobile phone number. With this feature, businesses can:
- Send money to people or businesses, even if the recipient uses a different financial institution
- Send payments through online or mobile channels, or the Zelle® app, to send funds to a U.S. checking or savings account instantly
- Make payments with only an email address or U.S. mobile number so sensitive account information remains safe
