ePAY CONVERSION – WHAT'S AHEAD?
The new ePAY program will deliver:
- Contemporary Solutions - Allow your constituents to pay using mobile wallets at over-the-counter, or use recurring bill pay when paying online. Additionally start collecting your constituents’ contact information to allow you to send email communications and e-bills or turn on e-receipts for over-the-counter transactions.
- Secure Investment and Settlement Options - Earn a greater return on your balances by having your funds automatically deposited to an Illinois Funds investment account, or elect to settle to an outside bank.
- Competitive Pricing - Whether you pass the processing fee to your constituents or absorb the fee, take advantage of affordable pricing options including the bundling of equipment costs with processing fees and lower fees by funding to The Illinois Funds.
- Enhanced Security - The ePAY processor is a PCI DSS Level 1 Service Provider and NACHA compliant. In addition our payment solutions now offer greater security to help minimize your PCI scope! ePAY also offers PCI validation, tracking, and reporting tools at no additional cost.
- First in Class Customer Support - A dedicated help desk during normal business hours and after hour support will allow us to resolve 95% of all participant tickets within 1 business day.
Current participants received a communication on June 12, 2017 announcing some of the above enhancements. Please take a moment to review this communication now and share it with stakeholders at your organization. For an overview of your conversion steps please review our Conversion Workflow. The Transition Guide includes information regarding the benefits of the new program, options and additional resources that are available to you.
ePAY PAYMENT SOLUTIONS
Simple and convenient over-the-counter payment solutions. Our recommended integration option is hosted, semi-integrated because it offers real- time reporting capabilities, the ability to perform voids, as well as the ability to utilize text or e-receipts.
Comparison of Integration Options:
(POS) Equipment Options
ePAY supports and recommends EMV point-of-sale transactions using the Pax S300 (IP connectivity) and the Pax S500 (IP or WiFi connectivity). These EMV readers offer near-field communication (NFC) capabilities to allow for mobile wallet payments such as ApplePay, GooglePay and SamsungPay; utilize end-to-end encryption (E2EE) in the card reader to help minimize PCI scope and protect card data. For a POS option where internet access and/or power is not available, the ePAY processor supports the Pax S90 for point-of-sale EMV payments which utilizes the Verizon or T-Mobile cellular networks. A full warranty on all equipment is offered at no additional cost.
To review the benefits of the Pax S300 click here.
To review the benefits of the Pax S500 click here.
To review the benefits of the Pax S90 click here.
The kiosk solution is a dedicated, customer facing all in one device that handles payment transaction. It is designed to complement the participant’s point-of-sale service including access to view customer(s) account information, amounts due, stored payment profiles and billing information. It processes all non-cash payments and allows for full or partial payment and can deliver receipts via email or SMS text. It is secure and PCI-compliant. Kiosks offer additional convenience to the participant and their customers without any additional charges.
Technical specifications include: Ethernet access and power and operates on Chrome OS.
Through our over-the-counter payment solutions, accept ApplePay, SamsungPay, and GooglePay. Also, your payments webpage is optimized for mobile use so constituents can make payments from any mobile device, so no need to develop a custom application to take mobile payments.
Constituents can make their payment online through your customized payments webpage. Your payments webpage is optimized for mobile use so constituents can make payments from any mobile device. Our recommended integration method is fully hosted. With a fully hosted webpage you can simply send us your billing data and we recreate bills for presentment on your website. If paired with customer data, it is possible to also e-mail these bills.
Comparison of Integration Options:
A hosted IVR (Interactive Voice Response) solution is available to accept convenient, self-service, telephone payments from your constituents 24 hours a day.
Comparison of Integration Options:
SETTLEMENT BANK OPTIONS
With the ePAY program government agencies have the opportunity to earn greater returns as part of The Illinois Funds. ePAY funding is deposited directly into your Illinois Funds investment account(s)1, or you can elect to fund to a settlement account at a bank of your choosing.2
How it works:
1Illinois National Bank (INB) is the custodian for ePAY settlement account(s). INB automatically transfers any funds over your target balance to your Illinois Funds investment account(s) at US Bank at 10:30 a.m. daily.
2State agencies do not have this option available per the Deposit of Statement Monies Act (15ILCS520), unless a state agency has the option to fund to a locally held account.
Benefits with The Illinois Funds:
MULTIPLE PRICING OPTIONS
In addition to settlement bank options, ePAY offers affordable pricing options with a full warranty on all equipment at no additional cost.
Passing allows you to pass on the processing fees to your constituent. In addition, all passing pricing includes the cost of POS equipment. The only decision you are asked to make is whether you will fund to your Illinois Funds investment account or go outside and use your own settlement bank.
Under absorb pricing you have the option to automatically deposit your funds into your Illinois Funds investment account or to your own settlement bank for higher pricing. Also, you have the option to include the cost of your POS equipment within your processing fees or pay for your equipment upfront.
Please note under this scenario the ePAY processor will auto debit your settlement account on the fifth day of the subsequent month or the next business day if the fifth day is a weekend or a holiday. However, state agencies will be invoiced by the fifth day of the subsequent month with payment due at fifty (50) days of receipt of an invoice.
To help make your enrollment as seamless as possible we have created a enrollment checklist and workflow for you to follow and share with your stakeholders.
Frequently Asked Questions (FAQs)
Please take a moment to review our answers to frequently asked questions. Or review conversion frequently asked questions.
Glossary of Electronic Payments Industry Terms
To help you navigate through our website and product information we have prepared a glossary of common industry terms for your reference.
Glossary of ePAY Terms
To help you complete our enrollment materials please review our glossary of ePAY terms.
This transition guide includes information regarding the benefits of the new program, options and additional resources that are available to you. Please find the guide here.
For current ePAY participants, please review our training videos for more information about ePAY services and reporting.