Financial Crimes & Fraud Risk
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Strategy

Maximize Your Revenue and Profitability with a Modern Payments Strategy

A modular payments platform empowers your bank or credit union to flexibly build payment products that:

  • Drive revenue. By monetizing transactions that improve satisfaction and financial health for consumers and businesses.
  • Retain deposits. By helping people move money quickly and securely at their exact moment of need.
  • Leverage engagement. By supporting the needs of busy accountholders who already interact with your payment services at least twice daily.

Payments drive profitability, which is why your choice of tech stack is one of the most significant decisions your institution can make.

 

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does your current payments strategy empower you to...

Deliver Diverse Payment Offerings
deliver diverse payment offerings

Provide a full range of payment types—including ACH, check, card, wires, and faster payments — to meet the complex needs of today’s accountholders.

Leverage Instant Payments
leverage instant payments*

Compete with other providers that are siphoning away your deposits by meeting consumer and business demand for instant payments with RTP® and FedNow®.

expand your institution’s reach
Expand Your Institution's Reach

Drive funds directly to your institution by empowering commercial clients and fintechs to embed payment capabilities in websites, apps, or back-office solutions.

what you should consider

A well thought out strategy covers many aspects of payments.

  • The preferences and behaviors of your customers or members should be your guiding light. Consider how they use digital payments as well as traditional methods like checks and cash.
  • Prioritize flexible, scalable, cloud-based technology that leverages AI and machine learning, delivers continuous updates, and is built with a long-term vision in mind. 
  • An open approach with strong integration is needed to provide a seamless experience, and interoperability to ensure customers can make payments easily. 
  • Comprehensive risk assessments and real-time fraud detection tools will help you mitigate potential risks, providing you and your accountholders with peace of mind. 
  • Only choose payment vendors and fintechs with the experience and stability to reliably deliver innovative solutions that help you compete.
  • Easy, continuous performance monitoring of payment systems is critical to your being able to make sound, data-driven decisions that enhance efficiency and effectiveness. 
  • Providing your customers and your teams with convenient education and support is key to increasing adoption and acceptance of new technologies. 
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payments by the numbers

80%

Eighty percent of your accountholders’ interactions with your financial institution tie back to payments.

>30%

Typically, more than 30% of a financial institution’s revenue today is driven by payments.

74%

Most businesses (74%) prefer to have faster payment services provided by their primary financial institution.

our offerings

Our scalable payment solutions support all payment channels and types.

Select a Capability to Learn More
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Support diverse, evolving digital payments strategies

Offer next-generation consumer and business digital bill pay, real-time person-to-person payments, consumer loan and credit card payments, internal and external account-to-account transfers, business disbursements, and more.

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Move money in moments of need

Meet the strong and growing demand for instant payments with seamless, ready-built connections to the faster payments networks using our payments hub.

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Efficiently convert physical checks into digital checks

Our modern RDC platforms stream deposit processing, enhance digital banking experiences, grow low-cost deposits, and reduce transaction and operating costs.

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Fully automate the entire receivables process

Empower businesses with straight-through payment processing and the ability to consolidate all receivables, payment, and remittance information in a single platform.

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Move money directly between accounts seamlessly, securely, and cost-effectively

With modern ACH capabilities you can attract, serve, and retain lucrative commercial relationships with a high-demand, reliable payment service.

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Leverage ready-built connections to card processors

Give merchants and businesses that accept card payments access to secure, PCI-compliant, cost-effective card gateway services that provide ready-built connections to the leading card processors.

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Interactive business intelligence solutions for your payment channels

With our integrated business intelligence solutions you can seamlessly access, monitor, and analyze accountholder and transaction activity and generate actionable insights and data-driven growth strategies.

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Secure, intuitive online payments

Enable businesses and organizations to securely accept online payments and donations through their existing websites. 

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Support the high demand for faster payments with wire transfers

Offer a next-generation, cloud-native solution that supports incoming and outgoing domestic and international wire transfers.

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Uniquely positioned to support the demand for PaaS

Based on our strategic work with fintechs, Jack Henry was an early adopter of API-enabled payments solutions, and our early innovation enables us to support the growing demand for Payments as a Service (PaaS).

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Compete with modern credit card processing programs

Our credit card platform provides seamless credit card transaction processing with the feature-rich functionality to offer highly competitive, customizable, and scalable programs.

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Compete with modern debit card processing solutions

Our debit card processing platform simplifies operations and reducts costs by leveraging seamless integration with our solutions and third-party solutions.

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Seamless ATM driving and management tools

Jack Henry’s ATM driving services support industry-leading ATM/ITM/ILT makes and models, standard transactions, and a broad range of account types. Deposits can be made without envelopes with check images captured and transmitted for clearing.

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Curating differentiated customer experiences with embedded payments
Jack Henry is an industry-leading, resource-rich payments technology provider and strategist dedicated to simplifying payments. Our success supporting the vital payments channels for more than 6,000 banks and credit unions in the highly regulated financial services industry is an important endorsement of the functionality, scalability, and reliability of our solutions. Sophisticated APIs enable the seamless, secure, and easy integration of high-demand payment capabilities into existing customer experiences. 

get started

Learn how we can help you build a robust future-ready payments strategy.