MPay Xpress

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MPay Xpress is the premium multichannel, mobile optimized payments platform you have been looking for to extend your business client relationships. Empower your business, non-profit, and municipal clients to accept ACH e-check and credit/debit card payments online, over the phone, in person, and in other transaction environments. Additionally, MPay Xpress is specialized and tailored for each of your client’s unique needs. Standalone deployment or API integration is available, with the latest in PCI and NACHA security standards. Unlike most generic plug and play payment processors, MPay Xpress offers a feature-rich payments platform that is owned by and branded for your institution. MPay Xpress provides nearly limitless opportunities for your financial institution to engage in the growing marketplace of electronic payments.

Online Web-Hosted Payments

  • Allows your business clients’ consumers to self-manage their payments via a secure web-hosted and mobile-optimized portal.
  • Multiple access points via hyperlinks on the business website, statement notifications, email/text messages, QR codes and more.
  • Login profiles, payment account and history are retained for repeat users. Guest-user options are available for consumers making one-time payments only.
  • Accept payments via ACH e-check, credit, or debit card, plus one-time or automated recurring transactions.
  • White-label branding with multiple settings allows your business client to precisely create their desired user experience.

Pre-Authorized Recurring Payments & Autopay

  • Your business clients can simplify payments by setting them up to automatically recur at user-defined intervals.
  • Administrative access allows business managers to originate pre-authorized recurring debits to their consumer accounts, the perfect solution for improving payment success rates.
  • Recurring payments are perfect for fixed dollar amounts.
  • A convenient autopay feature for payment amounts that vary each billing cycle is also available.

In-Person & Virtual Terminal

  • For in-person payment transactions, MPay Xpress offers an easy-to-use Virtual Terminal solution.
  • Set up shop for over-the-counter payments, self-help kiosks, special events, fundraising, and other similar one-time payment environments.
  • Cards can be authorized for a sale transaction by easily keying them into the web-hosted Virtual Terminal interface.

Over-the-Phone Payments

  • Enables consumers to phone in their payment information for a one-time payment, or to establish a recurring payment plan
  • Serves as an ideal payment channel for business clients with a limited online presence.
  • Allows for fast payment entry and immediate card authorization in call center environments.

Touch-Tone Phone Interactive Voice Response (IVR)

  • An alternative to online web-hosted payments, our Touch-Tone Phone IVR system is a perfect fit for payers without regular internet access.
  • Increase your business clients’ payment access.
  • IVR can be directly accessed via a dedicated 800 number or integrated as a touch-tone menu option within other IVR phone systems.

API Integration and SSO

  • Create a seamless user experience for consumers by incorporating payment features into the business website.
  • Options range from Single-Sign-On (SSO) deployments including OpenID or SAML, embedded iframes, and API fully-integrated experiences with real-time data exchange. MPay Xpress can meet many levels of integration your business client desires.
  • Nacha and PCI compliant, API Integration and SSO eliminates worries about safely accepting payment data and storing sensitive customer account information.
  • SFTP file exchanges are also available for business clients who require custom posting or payment receipt files.