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JHA SmartPay Express℠​

Secure Online and Mobile Portal for Payments and Donations

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.

SmartPay Express is ideal for a variety of industries and markets including:

  • Utilities
  • Municipalities
  • Property management companies
  • Homeowner associations
  • Faith-based, nonprofit, and charitable organizations
  • Day care centers
  • Lenders

SmartPay 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.

A 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 ACH transactions)
  • Credit cards
  • PayPal® accounts
  • PayNearMe™ cash payments at more than 20,000 retail locations across the U.S.
  • Visa Checkout®
  • Other payment options

Payment 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.

SmartPay Express can be a standalone solution or a component of a complete payments platform powered by EPS.

SmartPay 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.

SmartPay 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.

This product also provides optional security features:

  • Validation of user identity with a unique “shared secret”
  • An optional CAPTCHA security feature that protects against malicious automated software programs
  • Velocity tools for risk management and added security
  • Access controls and hierarchal user permissions

Financial 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.

SmartPay Express provides optional functions that include convenience fee processing and ACH return transaction re-presentment. 

What It Does

  • Provides a hosted webpage for businesses, nonprofits, or other diverse organizations to collect online payments and donations
  • Provides flexible, fully hosted deployment options for diverse operating environments
  • Supports one-time and recurring payments
  • Accepts payments from checking and savings accounts, credit cards, PayPal accounts, PayNearMe cash payments, and more
  • Supports full branding with the ability to add custom fields
  • Provides a layered security approach to control user access and validate identity
  • Generates robust reporting
  • Support data exports
  • Generates management and board reports, and supports data exports into Excel.

What It Does For Me

  • Provides a scalable, secure payment solution that enables financial institutions to attract and retain lucrative business accounts
  • Generates fee income opportunities
  • Provides a competitively distinct payment solution that enables diverse business entities to securely accept online payments and donations through existing websites
  • Enables businesses to increase online revenue, expedite payments/donations, streamline payment processing and create material operating efficiencies, improve service levels and convenience, and expand existing payment options

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