• Paytraxx streamlines operations, reduces risk and expedites payment processing through integration.
• Paytraxx creates a premium user experience with
  robust bill pay technology.
• Paytraxx delivers industry-leading processing speed
  and accuracy.

Let the Fiserv Paytraxx bill payment solution help your credit union capture its share of the rapidly growing consumer bill payment market. The number of consumers who pay their bills online is expected to grow by 75% by 2010. Electronic bill payment helps credit unions attract and retain clients— those who use a bill payment solution are 50% more likely to stay with their financial institution. Electronic bill payment users are also more profi table. On average, these consumers have 45% more accounts, 40% higher deposits, and 55% higher loan balances.

Why is Paytraxx the best choice?

         The Value of Integration

• Integration with key Fiserv systems, including Fiserv EFT, creates greater transaction processing efficiencies.
• Reduces financial risk through automation and expedites online authorization and payment processing through integration with established Fiserv payment channels.
• Minimizes transaction workflow and operational disruption through integration with existing ACH or EFT processing rules.

        An Established Provider

• Delivered by an established financial provider with a proven reputation for delivering reliable solutions and support.
• Backed by a solid fi nancial history and maximum stability for delivery of an advanced bill payment solution.
• Supported by the same Fiserv responsive staff, delivering the same superior service your institution has come to expect.
• Offers lower total cost of ownership with no capital expenditures, streamlined tasks, faster payment processing, and reduced NSF risk.

   Paytraxx Features - Premium User Experience

• Uses pay-anyone model for maximum merchant/payee flexibility.
• Allows users to manage their payment schedule with immediate, one-time, and recurring payment options.
• Provides fast, easy payee setup with the ability to schedule multiple payments from a single screen.
• Generates e-mail alerts and notifications of payment activity.
• Supports OFX exports to Quicken, Microsoft Money and Excel - expanding the user's financial management options.

    Financial Institution Flexibility

• Integrates with your Internet banking application to create a branded user experience.
• Creates a competitive advantage through the support of multichannel access to bill payment service, including wireless capabilities for PDAs.
• Offers a choice of dedicated customer service channels, including toll-free telephone and online help, while minimizing staff support requirements.
• Provides advanced administrative capabilities to manage accounts, generate reports, review enrollment history, cancel payments, and perform daily file downloads with a convenient Web-based interface.
• Offers a choice of EFT, ACH, or posting fi le debit options for funding payments, supporting both good-funds and risk-based settlement models.
• Includes multiple enrollment options including online, manual or batch enrollment.

         Proven Reliable Infrastructure

• Processes payments through Fiserv's dedicated TruSecure certified data center.
• Offers compliance assurance through regular monitoring from financial regulatory bodies.
• Speeds payment processing through automation with 76% of payments processed electronically.
• Delivers repeatable, reliable payment processing accuracy that minimizes payment inquiries