Service detail
Expedite the payment of bills made by customers on your premises using IBM bill payment kiosks that process cash, checks or credit cards.
Highlights
 |  | | Improved customer experience – reduced wait time and less likelihood of errors in processing |
| | | Ability to up-sell and cross-sell products and services |
| | | Improved cash flow as funds are processed nightly into bank accounts |
| | | Reduction in loss due to shrinkage, fraud and counterfeiting |
| | | Enhanced employee productivity – sales associates may focus on more direct selling |
Improving customer service and the bottom line
Many of your customers today pay bills in cash through retail, bank or service company (utility, wireless, convenience store) outlets. For consumers the experience can mean long waits in line for available service personnel and errors in processing.
Organizations handling in-person bill payments also face a number of issues. Employees may accept counterfeit cash or checks; cash or checks may be stolen or lost; and manual check processing can mean funds do not reach the organization’s bank account for days or even weeks.
The IBM bill payment kiosk solution allows you to provide bill payment services to your customers using cash, credit/debit or check. For cash transactions, the kiosk accepts paper notes, validates the notes, and any overage between the dollars paid into the kiosk and the actual invoice amount is credited to the payor’s account.
For example, in the case of checks, the kiosk:
- reads the payor's check codes
- debits and credits the payor and payee banks appropriately
- returns the cancelled check
Your customers may also use credit/debit cards to transact payments, and the kiosk completes the transaction with the payor’s credit/debit card processor.
A comprehensive solution for your customers
The bill payment kiosk is designed with built-in security, flexibility and serviceability to meet your current and future business needs. We provide project management, installation and operational support to optimize your bill payment kiosk solution. Strong relationships with third-payers enable us to provide the required payment processing and banking and cash management services.
