New Participant
THE NEW ePAY!
There are countless reasons to sign up for ePAY. ePAY helps you accept more constituent payments electronically with our custom, secure payment solution. If you’re interested, contact us for more information.
- Contemporary Solutions – Allow your constituents to pay with mobile wallets over the counter or use recurring bill pay when paying online. Additionally, start collecting your constituents’ contact information so you can send email communications and e-Bills. You also have the ability to 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 on to your constituents or absorb it, take advantage of affordable pricing options. This includes, but is not limited to, bundling equipment costs with processing fees, resulting in lower funding fees for The Illinois Funds.
- Enhanced Security – The ePAY processor is a PCI DSS Level 1 Service Provider and NACHA-compliant. 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 via our toll-free number available 24/7, and the online ticketing portal will allow us to resolve participant tickets as quickly as possible.
Point-of-Sale (POS)
Simple and convenient over-the-counter payment solutions. Our recommended integration option is Hosted, Semi-Integrated, as it offers real-time reporting and the ability to use text or e-receipts.
Comparison of Integration Options: PAX POS Devices
| Option 1 (Preferred) Hosted Semi-Integrated | Option 2 3rd Party Hosted Semi-Integrated | Option 3 Stand-Alone to NCR Payment Solutions | |
|---|---|---|---|
| Hardware Model | PAX A80 / A920* / Pax A35 (No Printer) | PAX A80 / A920* / A77** | PAX A80 / A920* / A77** |
| Process EMV Payments | ✔/✔/✔ | ✔/✔/✔ | ✔/✔/✔ |
| End-to-end encryption to limit PCI Scope | ✔/✔/✔ | ✔/✔/✔ | ✔/✔/✔ |
| Option 3: Stand-Alone to NCR Payment Solutions | ✔/✔/✔ | ✔/✔/✔ | X/X/X |
| *Wireless & ethernet capable with purchase of a separate base | ✔/✔/✔ | X/X/X | ✔/✔/X |
| *Wireless & ethernet capable with purchase of separate base | **Wi-Fi capable only (No Printer) |
Point-of-Sale (POS)
Simple and convenient over-the-counter payment solutions. Our recommended integration option is a hosted, semi-integrated solution because it offers real-time reporting capabilities and the ability to use text or e-receipts.
Comparison of Integration Options: Verifone POS Devices
| Option 1 (Preferred) Hosted Semi-Integrated | Option 2 3rd Party Hosted Semi-Integrated | Option 3 Stand-Alone to NCR Payment Solutions | |
|---|---|---|---|
| Hardware Model | Verifone V200c / Verifone V400c | Verifone V200c / Verifone V400c | Verifone V200c / Verifone V400c |
| Process EMV Payments | ✔/✔ | ✔/✔ | ✔/✔ |
| End-to-end encryption to limit PCI Scope | ✔/✔ | ✔/✔ | ✔/✔ |
| Cashier reports from the terminal | ✔/✔ | ✔/✔ | X/X |
| SMS text/e-receipt | ✔/✔ | ✔/✔ | ✔/✔ |
| Cashier reports from terminal | ✔/✔ | ✔/✔ | ✔/✔ |
| Verifone V400m*** Wireless POS Device | ***Estimated availability Q1 2024 |
Note: Hosted Semi-Integrated payment modes of collection support Customer account validation of account information. Account validation options may vary based on the availability of data and Participant configurations.
(POS) Equipment Options
ePAY supports and recommends EMV point-of-sale (POS) transactions using the PAX and Verifone suite of POS devices offered. These devices were chosen to offer IP, Wi-Fi, and Dial-Up connectivity. The PAX A80 offers (IP or Wi-Fi connectivity), and the Verifone V200c offers (IP, Wi-Fi connectivity, and Dial-Up). These EMV-capable point-of-sale devices also offer near-field communication (NFC) capabilities to support mobile wallet payments such as Apple Pay, Google Pay, and Samsung Pay. The EMV readers also utilize point-to-point encryption (P2PE) to 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 A920 and Verifone V400m for Wireless/Wi-Fi point-of-sale EMV payments, which utilizes the AT&T cellular data network. ePAY offers an Equipment Replacement Program for all equipment. Should your POS device(s) become defective at any time, while participating in the ePAY Program and processing transactions, your device will be replaced at no additional cost to you.*^*
*^* Equipment Replacement Program excludes the CX5, CX7 and Aloha Silver POS Point-of-Sale solutions. These devices are covered by a separate warranty program.
- To review the benefits of the Pax A77 click here.
- To review the benefits of the Pax A80 click here.
- To review the benefits of the Pax A920 click here.
- To review the benefits of the Pax IM20 click here.
- To review the benefits of the Pax A35 click here.
- To review the benefits of the NCR-CX5 click here.
- To review the benefits of the NCR-CX7 click here.
- To review the benefits of the Pax Q25 click here.
- To review the benefits of the Verifone P200 click here.
- To review the benefits of the Verifone V200c click here.
- To review the benefits of the Verifone V400c click here.
POS Kiosk
The CX7 Kiosk Solution is a dedicated, customer-facing, all-in-one device that can manage payment transactions. The device is a purpose-built, browser-based, secure Kiosk environment. For pricing or to learn more about the Kiosk solution, please reach out to your ePAY representative at ePAYCustomerService@illinoistreasurer.gov
Mobile
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. No need to develop a custom application to take mobile payments.
Online
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 presentation on your website. If paired with customer data, it is possible to email these bills as well.
Comparison of Integration Options:
| Option 1 Fully Hosted | Real-time reporting capabilities through the ePAY Dashboard | |
|---|---|---|
| Accept cards & e-checks | ✔ | ✔ |
| Real time reporting capabilities through the ePAY Dashboard | ✔ | ✔ |
| SMS text/e-receipt | ✔ | X |
| Void/credit from ePAY Dashboard | ✔ | ✔ |
| Validation of Customer account info | ✔ | ✔ |
| Outbound Communications | ✔ | ✔ |
| No Participant programming required | ✔ | X |
| e-Bill presentment | ✔ | X |
Note: Hosted Semi-Integrated payment modes of collection support Customer account validation of account information. Account validation options may vary based on the availability of data and Participant configurations.
(POS) Equipment Options
ePAY supports and recommends EMV point-of-sale (POS) transactions using the PAX and Verifone suite of POS devices offered. These devices were chosen to offer IP, Wi-Fi, and Dial-Up connectivity. The PAX A80 offers (IP or Wi-Fi connectivity), and the Verifone V200c offers (IP, Wi-Fi connectivity, and Dial-Up). These EMV-capable point-of-sale devices also offer near-field communication (NFC) capabilities to support mobile wallet payments such as Apple Pay, Google Pay, and Samsung Pay. The EMV readers also utilize point-to-point encryption (P2PE) to 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 A920 and Verifone V400m for Wireless/Wi-Fi point-of-sale EMV payments, which utilizes the AT&T cellular data network. ePAY offers an Equipment Replacement Program for all equipment. Should your POS device(s) become defective at any time, while participating in the ePAY Program and processing transactions, your device will be replaced at no additional cost to you.*^*
*^* Equipment Replacement Program excludes the CX5, CX7 and Aloha Silver POS Point-of-Sale solutions. These devices are covered by a separate warranty program.
- To review the benefits of the Pax A77 click here.
- To review the benefits of the Pax A80 click here.
- To review the benefits of the Pax A920 click here.
- To review the benefits of the Pax IM20 click here.
- To review the benefits of the Pax A35 click here.
- To review the benefits of the NCR-CX5 click here.
- To review the benefits of the NCR-CX7 click here.
- To review the benefits of the Pax Q25 click here.
- To review the benefits of the Verifone P200 click here.
- To review the benefits of the Verifone V200c click here.
- To review the benefits of the Verifone V400c click here.
POS Kiosk
The CX7 Kiosk Solution is a dedicated, customer-facing, all-in-one device that can manage payment transactions. The device is a purpose-built, browser-based, secure Kiosk environment. For pricing or to learn more about the Kiosk solution, please reach out to your ePAY representative or email: ePAYCustomerSupport@illinoistreasurer.gov
Mobile
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.
Online
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 presentation on your website. If paired with customer data, it is possible to email these bills as well.
Comparison of Integration Options:
| Option 1 Fully Hosted | Option 2 Participant or Third Party site with payment re-direct | |
|---|---|---|
| Accept cards & e-checks | ✔ | ✔ |
| Real time reporting capabilities through the ePAY Dashboard | ✔ | ✔ |
| SMS text/e-receipt | ✔ | X |
| Void/credit from ePAY Dashboard | ✔ | ✔ |
| Validation of Customer account info | ✔ | ✔ |
| Outbound Communications | ✔ | ✔ |
| No Participant programming required | ✔ | X |
| e-Bill presentment | ✔ | X |
Note: Fully Hosted payment collection modes support Customer account validation of account information. Account validation options may vary based on the availability of data and Participant configurations.
Telephone
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:
| Option 1 (Preferred) Fully Hosted | Option 2 3rd Party Hosted | |
|---|---|---|
| Accept cards & e-checks | ✔ | ✔ |
| Real time reporting capabilities through the ePAY Dashboard | ✔ | ✔ |
| SMS text/e-receipt | ✔ | X |
| Validation of Customer info | ✔ | X |
| Real-time reporting capabilities through the ePAY Dashboard | ✔ | X |
| Voice/credit from ePAY Dashboard | ✔ | X |
| Outbound Communications | ✔ | X |
| No Participant programming required | ✔ | X |
Note: Fully Hosted payment collection modes support Customer account validation of account information. Account validation options may vary depending on data availability and Participant configurations.
Settlement Bank Options
With ePAY, government agencies have the opportunity to earn greater returns as part of The Illinois Funds, a AAAm rated fund recognized for its safety, liquidity, and return capabilities. ePAY funds are 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 8:30 a.m. daily.
2Unless a state agency has the option to fund a locally held account.
Benefits with The Illinois Funds:
| Direct funding to The Illinois Funds | Outside Settlement | |
|---|---|---|
| Monthly Maintenance Fee | $0* | Varies by Bank |
| Credit Fee | $0.10 per credit | Varies by Bank |
| Settlement Account Earnings Credit Rate | 0.17% APY | Varies by Bank |
| Online Banking | 1 user free ($5 per additional user) | Varies by Bank |
| Minimum Target Balance | $1,000-$250,000 | Varies by Bank |
| Fee for Insufficient Funds | $30 | Varies by Bank |
| Interest Earnings | Yes | None |
| Fees for Transfers | $0** | None |
| Funding/Settlement Customer Service Support | Assistance from ePAY Relationship Management Team | None |
1Illinois National Bank (INB) is the custodian for ePAY settlement account(s) that fund to The Illinois Funds. INB automatically transfers any funds over your target balance to your Illinois Funds investment account(s) at US Bank at 8:30 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.
*ePAY processor will credit the Participant $10 every month to offset Settlement Bank account maintenance fees. **No fee for daily transfers from Illinois National Bank to Illinois Funds investment accounts at US Bank Fund Services. No fee for ACH or wire transfers from Illinois Funds investment accounts to banks on file.
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
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.
Credit Card Processing Fees
| Processing Fee | |
|---|---|
| Use ePAY’s Settlement Bank* | 2.25% minimum of $1.00 |
| Use Participant’s own Settlement Bank** | 2.30% minimum of $1.00 |
*Contractor will credit the Participant $10 every month to offset monthly Settlement Bank account maintenance fees. **Processing Fee includes the cost of any Supported Device, selected by the participant, which shall be provided based upon Participant volume: $1 = 1 Supported Device per $300,000 in processing volume. Notwithstanding the foregoing, the Contractor reserves the right to offer Participants free supported Devices, regardless of processing volume.
e-Check Processing Fees
| Processing Fee | |
|---|---|
| e-Check with gVerify* – Basic | $0.50 per transaction |
| e-Check with gVerify* | $0.85 per transaction |
*gVerify is a third-party account verification service. Using an ACH routing number and an account number, gVerify references multiple data sources to determine whether the account is open and active, reflects a positive balance, and has the account holder’s name matching the payor name on file. gVerify Basic performs ACH account validation referencing fewer data sources to determine the account is currently open and able to receive debit transactions. Each account lookup constitutes a gVerify or gVerify-Basic transaction (as applicable).
Absorbing
Under absorb pricing, you can automatically deposit your funds into your Illinois Funds investment account or to your own settlement bank for higher pricing. Also, you can include the cost of your POS equipment in your processing fees or pay for it upfront. You will also benefit from a low American Express rate of 2.15% plus 3 basis points, plus a $.03/transaction fee.
Please note that, under this scenario, the ePAY processor will auto-debit your settlement account on the fifth day of the subsequent month, or on the next business day if the fifth day is a weekend or holiday. However, state agencies will be invoiced on the fifth day of the subsequent month, with payment due fifty (50) days from receipt of the invoice.
Credit Card Processing Fees
| Fees with no Supported Device (Participant purchases or rents) | Fees with Supported Device*** | |
|---|---|---|
| Use ePAY’s Settlement Bank* | Cost^ plus 3 basis points and $0.03 per transaction | Cost^ plus 8 basis points and $0.03 per transaction |
| Use Participant’s own Settlement Bank** | Cost^ plus 3 basis points and $0.03 per transaction. $15/mos. | Cost^ plus 8 basis points and $0.03 per transaction. $15/mos. |
*Contractor will credit the Participant $10 every month to offset monthly Settlement Bank account maintenance fees. **Contractor will assess the Participant $15 every month, regardless of the number of accounts held by such Participant. ^Interchange rates, dues, assessments, and other pass-through fees from the Card Brands or third-party gateways.
e-Check Processing Fees
| Processing Fee | |
|---|---|
| e-Check with gVerify* – Basic | $0.08 per transaction |
| e-Check with gVerify* | $0.43 per transaction |
*gVerify is a third-party account verification service. Using an ACH routing number and an account number, gVerify references multiple data sources to determine whether the account is open and active, reflects a positive balance, and has the account holder’s name matching the payor name on file. gVerify Basic performs ACH account validation referencing fewer data sources to determine the account is currently open and able to receive debit transactions. Each account lookup constitutes a gVerify or gVerify-Basic transaction (as applicable).
Fees That Apply to Both Passing and Absorbing
In addition to Settlement Bank options, ePAY offers affordable pricing options with a full warranty on all equipment at no additional cost.
Supported Devices Fees – P2PE and EMV Devices:
• Long-term rentals (life of Participant agreement).
• Each device comes with a lifetime warranty.
| P2PE/EMV Devices | Purchase | Monthly Rental Fee – Long Term | Monthly Rental Fee – Short Term | Data Fee(Monthly) |
|---|---|---|---|---|
| PAX A35 (No Printer) | $400 | $15 | $75 | N/A |
| PAX A920 (Includes 1 SIM Card) | $500 | $25 | $75 | $25 |
| PAX A920 Dock Charge Only | $100 | N/A | N/A | N/A |
| PAX A920 Docking Station | $175 | N/A | N/A | N/A |
| PAX A80 | $300 | $15 | $75 | N/A |
| PAX Q25 Pin Pad | $400 | $15 | $75 | N/A |
| PAX A80 with PAX Q25 | $600 | N/A | N/A | N/A |
| PAX A77 | $575 | $15 | $75 | N/A |
| Verifone V200c Plus | $500 | $15 | $75 | N/A |
| Verifone P200 Plus Pin Pad | $400 | $15 | $75 | N/A |
| Verifone V200c Plus w/Verifone P200 Plus | $800 | N/A | N/A | N/A |
| Verifone V400c Plus | $500 | $15 | $75 | N/A |
| Verifone V400c Plus w/Verifone P200 Plus | $800 | N/A | N/A | N/A |
| Verifone V400m | $600 | $25 | $75 | $25 |
| PAX IM20 | $800 | $15 | $75 | N/A |
| CX5 PBP Countertop Kiosk | Contact ePAY for pricing and information | N/A | N/A | N/A |
| CX7 PBP Countertop Kiosk | Contact ePAY for pricing and information | N/A | N/A | N/A |
| INB Cost Schedule | ||
|---|---|---|
| Account Maintenance | w/Direct Debit $10 per month | w/Invoice $12 per month |
| OnlineBanking | First User Included | Additional Users $5.00 each |
| Credits to the Account: | $0.10 per item |
| Earnings Credit Rate: | 0.17% APY |
| Insufficient Funds (NSF) Fee: | $30/item |
A target balance of at least $1000 should be maintained to cover potential chargebacks and account debits to prevent NSF items.
Participant Resources
Enrollment Checklist
To help make your enrollment as seamless as possible, we have created an 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.
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.
Training
For current ePAY participants, please review our training videos for more information about ePAY services and reporting.