JHA SmartPay Express enables financial institutions to offer business and nonprofit
customers a solution to securely accept payments and donations. It’s ideal for
helping customers increase online revenue, expedite payments and donations, and
streamline payment processing. SmartPay Express is efficient and
convenient. It improves service and enhances existing payment solutions.
Express is ideal for a variety of industries and markets including:
- Property management companies
- Homeowner associations
- Faith-based, nonprofit, and charitable
- Day care centers
Express, a component of Enterprise Payment Solutions™ (EPS), offers two hosted
implementation options. The base option requires minimal technical setup and
allows businesses without technical resources to quickly and easily create an
online payments solution. The second option enables implementation in a fully
integrated, single sign-on environment.
unique URL links the business’ existing website to a branded SmartPay Express
payment page to process one-time and recurring payments from:
- Checking and savings accounts (processed as WEB
- Credit cards
- PayPal® accounts
- PayNearMe™ cash payments at more than 20,000
retail locations across the U.S.
- Visa Checkout®
- Other payment options
pages are branded to match existing websites, and field names can be customized
to accommodate specific business/ organization terminology. Custom fields can
also be added to collect specific payee/donor information.
Express can be a standalone solution or a component of a complete payments
platform powered by EPS.
SECURE ACCESS AND DATA MANAGEMENT
Express provides flexible, proven options for controlling user access and
validating identity. Users can be required to register and sign-in, with
credentials stored to expedite future payments. Registered users can access
transaction history, schedule payments, adjust future payment/donation amounts,
edit contact and payment information, and reset passwords.
Express can also auto-fill selected fields for returning users. One-time
payments/donations can be made without requiring a user to create an account by
using the SmartPay Express Quick Pay feature. All user and transaction data is
securely stored by JHA and meets PCI DSS requirements for credit card payments.
product also provides optional security features:
- Validation of user identity with a unique
- An optional CAPTCHA security feature that
protects against malicious automated software programs
- Velocity tools for risk management and added
- Access controls and hierarchal user permissions
POWERFUL REPORTING AND OPTIONAL FEATURES
SmartPay Express provides optional functions
that include convenience fee processing and ACH return transaction
institutions and their customers have access to robust reporting, including the
ability to export data in a variety of formats (.xls, .tsv, .cvs, .doc) or into
accounting solutions such as QuickBooks®. Detailed reporting on scheduled
recurring payments helps users improve cash flow management.