New ePAY Participants

Payment Acceptance Options

Point-of-Sale Payments

ePAY offers simple, convenient point-of-sale payment options for in-person, over-the-counter transactions.

The recommended setup is the hosted, semi-integrated option. This option provides real-time reporting and allows participants to send text receipts or electronic receipts.

For pricing information or to learn more about the kiosk solution, contact your ePAY representative at ePAYCustomerService@illinoistreasurer.gov.

Point-of-Sale Devices

ePAY supports and recommends EMV-capable point-of-sale devices from PAX and Verifone.

These devices were selected because they offer flexible connection options, including internet, Wi-Fi, dial-up, and wireless service.

Available Devices

Device	Connection Options
PAX A80	Internet or Wi-Fi
Verifone V200c	Internet, Wi-Fi, or dial-up
PAX A920	Wireless or Wi-Fi
Verifone V400m	Wireless or Wi-Fi

The PAX A920 and Verifone V400m are good options when internet access or power is limited. These devices use the AT&T cellular data network for wireless point-of-sale payments.

Mobile Wallet Payments

The EMV-capable point-of-sale devices also support near-field communication, or NFC. This allows constituents to make mobile wallet payments using:

• Apple Pay
• Google Pay
• Samsung Pay

Card Data Security

EMV readers use point-to-point encryption (P2PE).

P2PE helps protect card data and may reduce the participant’s Payment Card Industry, or PCI, compliance requirements.

Equipment Replacement Program

ePAY offers an Equipment Replacement Program for eligible equipment.

If your point-of-sale device becomes defective while you are participating in the ePAY Program and actively processing transactions, the device will be replaced at no additional cost.

Equipment Replacement Note

The Equipment Replacement Program does not include kiosk point-of-sale solutions. Kiosk devices are covered by a separate warranty program.

Compare Equipment Options

Review the benefits of each equipment type below.

• PAX A35
• PAX A77
• PAX A80
• PAX A920
• PAX IM20
• PAX Q25
• Verifone P200
• Verifone V200c
• Verifone V400c

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ePAY Payment Options

ePAY provides participants with several ways to accept payments from constituents, including kiosk, mobile, online, and telephone options.

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POS Kiosk Payments

The ePAY kiosk solution is a dedicated, customer-facing device that can process payment transactions.

The kiosk is an all-in-one device built for secure, browser-based payment processing.

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Mobile Payments

ePAY supports mobile payment options for over-the-counter transactions, including:

• Apple Pay
• Samsung Pay
• Google Pay

Your ePAY payment webpage is also optimized for mobile devices. This allows constituents to make payments from a phone or tablet without developing a custom mobile app.

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Online Payments

Constituents can make payments online through your customized ePAY payment webpage.

The webpage is optimized for mobile use, so constituents can make payments from any mobile device.

The recommended integration method is the fully hosted option. With a fully hosted webpage, you send billing data to ePAY, and ePAY recreates the bills for display on your payment website.

If customer data is included, bills may also be sent by email.

Online Payment Integration Options

Feature	Option 1: Fully Hosted	Option 2: Semi-Integrated
Accepts cards and e-checks	Yes	Yes
Real-time reporting through the ePAY Dashboard	Yes	Yes
SMS text receipt or e-receipt	Yes	No
Void or credit from the ePAY Dashboard	Yes	Yes
Customer account information validation	Yes	Yes
Outbound communications	Yes	Yes
No participant programming required	Yes	No
e-Bill presentment	Yes	No

Note About Online Payment Validation

• Hosted semi-integrated payment modes support customer account validation.
• Account validation options may vary based on data availability and participant configuration.

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Telephone Payments

ePAY provides a free local or toll-free Interactive Voice Response (IVR) phone number for IVR payments.

The IVR script can be provided in English or Spanish. The hosted IVR system allows constituents to make self-service phone payments 24 hours a day, 7 days a week.

Telephone Payment Integration Options

Feature	Option 1: Fully Hosted, Preferred	Option 2: Third-Party Hosted
Accepts cards and e-checks	Yes	Yes
Real-time reporting through the ePAY Dashboard	Yes	Yes
SMS text receipt or e-receipt	Yes	No
Customer information validation	Yes	No
Void or credit from the ePAY Dashboard	Yes	No
Outbound communications	Yes	No
No participant programming required	Yes	No

Note About Telephone Payment Validation

• Fully hosted payment collection modes support customer account validation.
• Account validation options may vary based on data availability and participant configuration.

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Settlement Bank Options

With ePAY, government agencies can choose how payment funds are settled.

Agencies may deposit ePAY funds directly into their Illinois Funds investment accounts or use a settlement account at a bank of their choosing.

The Illinois Funds is an AAAm-rated fund recognized for safety, liquidity, and return capabilities.

Notes

• Direct deposits into Illinois Funds investment accounts are available for eligible participants.
• Some agencies may have restrictions under state law or other banking requirements.

How Illinois Funds 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.
 

ePAY Pricing and Settlement Options

ePAY offers flexible pricing and settlement options for participating agencies and organizations. Participants may choose how processing fees are handled and where payment funds are deposited.

Funding The Illinois Funds Directly

Participants may choose to fund The Illinois Funds directly through the ePAY settlement account or use an outside settlement bank.

Direct funding to The Illinois Funds may provide:

• lower fees;
• daily transfers;
• interest earnings; and
• support from the ePAY Relationship Management Team.

Funding Options Comparison

Feature	Direct Funding to The Illinois Funds	Outside Settlement Bank
Monthly maintenance fee	$0	Varies by bank
Credit fee	$0.12 per credit	Varies by bank
Settlement account earnings credit rate	0.25% APY	Varies by bank
Online banking	2 users included; $5 for each additional user	Varies by bank
Minimum target balance	$1,000 to $250,000	Varies by bank
Fee for insufficient funds	$30	Varies by bank
Interest earnings	Yes	None
Transfer fees	$0	None
Funding and settlement customer service support	Assistance from the ePAY Relationship Management Team	None

Notes About Direct Funding

• Illinois National Bank, also known as INB, is the custodian for ePAY settlement accounts that fund The Illinois Funds.
• INB automatically transfers any funds over your target balance to your Illinois Funds investment account at U.S. Bank at 8:30 am each day.
• State agencies do not have this option under the Deposit of State Moneys Act, 15 ILCS 520, unless they have the option to fund a locally held account.

Fee Notes for Direct Funding

• ePAY and its processor will credit the participant $12 each month to offset settlement bank account maintenance fees.
• There is no fee for daily transfers from Illinois National Bank to Illinois Funds investment accounts at U.S. Bank Fund Services.
• There is no fee for ACH or wire transfers from Illinois Funds investment accounts to banks on file.

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Multiple Pricing Options

ePAY offers two pricing options:

• Passing pricing
• Absorbing pricing

Both options include affordable payment processing and a full warranty on all equipment at no additional cost.

Participants may also choose how funds are settled. Funds can be deposited into an Illinois Funds investment account through ePAY’s settlement bank, or participants may use their own settlement bank.

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Passing Pricing

With passing pricing, processing fees are passed on to the constituent making the payment.

Passing pricing includes the cost of point-of-sale, or POS, equipment. The main decision for participants is whether to use ePAY’s settlement bank or their own settlement bank.

Credit Card Processing Fees for Passing Pricing

Settlement Bank Option	Processing Fee
Use ePAY’s settlement bank	2.25%, with a minimum fee of $1
Use the participant’s own settlement bank	2.30%, with a minimum fee of $1

ePAY and its processor will credit the participant $12 per month to help offset monthly bank account maintenance fees for the settlement account.

e-Check Processing Fees for Passing Pricing

e-Check Option	Processing Fee
e-Check with gVerify Basic	Free
e-Check with gVerify	$0.85 per transaction

About gVerify

gVerify is a third-party account verification service. It uses an Automated Clearing House, or ACH, routing number and account number to help determine whether an account:

• is open and active;
• has a positive balance; and
• has an account holder name that matches the payor name on file.

gVerify Basic performs ACH account validation using fewer data sources to determine whether an account is open and able to receive debit transactions.

Each account lookup counts as a gVerify or gVerify Basic transaction, depending on the option used.

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Absorbing Pricing

With absorbing pricing, the participant pays the processing fees instead of passing them on to the constituent.

Participants can deposit funds into an Illinois Funds investment account through ePAY’s settlement bank, or they may use their own settlement bank for higher pricing.

Participants may also choose how to handle the cost of POS equipment. The equipment cost can be included in processing fees or paid upfront.

Absorbing pricing also includes an American Express rate of 2.15%, plus 3 basis points, plus a $0.03 per-transaction fee.

Monthly Debit or Invoice Timing

For absorbing pricing, the ePAY processor will automatically debit the participant’s settlement account on the fifth day of the following month.

If the fifth day falls on a weekend or holiday, the debit will occur on the next business day.

State agencies will be invoiced on the fifth day of the following month. Payment is due 50 days after receipt of the invoice.

Credit Card Processing Fees for Absorbing Pricing

Settlement Bank Option	Fees With Free Supported Device
Use ePAY’s settlement bank	Cost, plus 3 basis points, plus $0.03 per transaction
Use the participant’s own settlement bank	Cost, plus 3 basis points, plus $0.03 per transaction

For participants using ePAY’s settlement bank, the contractor will credit the participant $10 each month to help offset monthly settlement bank account maintenance fees.

In this section, “cost” means interchange rates, dues, assessments, and other pass-through fees from card brands or third-party gateways.

e-Check Processing Fees for Absorbing Pricing

e-Check Option	Processing Fee
e-Check with gVerify Basic	$0.08 per transaction
e-Check with gVerify	$0.43 per transaction

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Fees That Apply to Both Passing and Absorbing Pricing

INB Cost Schedule

Fee Type	Option 1	Option 2
Account maintenance	$12 per month with direct debit	$16 per month with invoice
Online banking	First two users included	First two users included

Additional Account Fees and Requirements

Item	Cost or Requirement
Credits or debits to the account	$0.12 per item
Earnings credit rate	0.25%
Insufficient funds fee	$30 per item
Recommended target balance	At least $1,000

Participants should maintain a target balance of at least $1,000 to help cover possible chargebacks and account debits. Maintaining this balance can help prevent insufficient funds items.