pres5 电子支付功能的 最大化【实用资料】.ppt

ePayment Customer Profile Payments received are from customers with lower than average delinquency Only allow customers with 3 or fewer NSF’s to make Web/Telephone payments Internet NSF percentage averages less than total return NSF percentage on entire portfolio ePayment Benefits for Biller Cost savings Decrease payment processing fees (reduce processing cost up to 75%) No encoding errors on ACH transactions Timely returned items, ability to resubmit faster Timing ACH debits to customer pay period reduces returns and improves collections Potential source of fee revenue Improved payment posting accuracy – 100% accuracy with biller-direct WEB and TEL ePayment Benefits for Biller Additional Benefits from Outsourcing Cost savings Hardware / Software Add capabilities with no alteration of internal processes Allows customer to pay via the channel they are comfortable with Lower IT resources required NACHA rules and audit requirements Collector and Customer Service time savings ePayment Benefits for Consumer Convenience 24 x 7 availability Saves on checks and stamps Timing ACH debits to customer pay period improves credit history and encourages budgeting Internet/Telephone allow for last minute avoidance of late charges Internet/Telephone allow customer to retain control of debit date Contact Information Karen Brewster Manager of Lockbox ControlDaimlerChrysler Services 248.427.6758 KPB@DCX.com Priscilla Capes Chief Operating OfficerFort Knox National Company 866.872.7531 ext. 2204 pcapes@ * Maximizing ePayment Capabilities Presented by:Karen Brewster Manager of Lockbox ControlDaimlerChrysler Services Priscilla Capes Chief Operating OfficerFort Knox National Company ePayment Definitions Allotment Payroll deduction from customers who are in the military Auto Debit Recurring ACH that is day/date generated - monthly, biweekly, or weekly ACH EBPP Electronic bill presentment payment - recurring ACH One Time Single ACH transaction - telephone