Customers self-servicing online [MUSIC PLAYING] Welcome to the e-bill service online customer experience. What we're going to do is walk you through the screens that the payer will experience and go through the screens as they make a payment. The e-bill service is U.S. Bank's electronic bill presentment and payment solution. We have three different tiers that exist within the e-bill service, our standard, our enhanced, and our premium. What you'll see today is the enhanced tier. And it's an enrolled web payment. We also offer within the standard tier where the payer will manually enter their data and their payment. And then we also, in the premium tier, is a fully hosted API or hosted payment form to allow the user to seamlessly make a check out without leaving your screen. The enrolled web can be accessed in two different ways, either through a single sign on from your website or through a hyperlink. And what we'll show today is the hyperlink. And they will come to a landing screen here. The screens can be branded to make it look and feel like it's your website. So the logo, the background, the banner, the colors all can be customized to make it look and feel like it's your website. The advantage for you that it's not is that it alleviates a lot of the PCI compliance. When the user comes to the screen, they'll first enroll to set up a user name and password to access the payments unless you use a single sign on. Once I have set up my username and password, I can still make a guest payment. So if I'm coming for a single payment and I'm not a usual user, I can still make a guest payment without setting that up. But by enrolling, you're able to manage recurring payments, funding sources, so your bank account, your credit card that you have stored. And when the customer comes here and they click the Login, this really drives them to the payment screens to have them view their data, view statements, so they can view their actual bill, as well as any scheduled or refunded payments as well. So the top screen here shows an account summary. We'll walk through that. We'll get into the payments, alerts, and statements as well. This first page here gives a summary of everything that the activity that can be done. So you can see a statement balance, a due date, an amount due for the user. And then you can see their statement history, any scheduled payments, as well as any processed payments. So this first screen gives an overview of the customer experience while still allowing them to do a couple of things. They can enroll in auto pay. If we get into the statement history, this is the most recent statement. As you'll see later in the demo, there can be a list of statements that you send. So if you want to give the user the ability to see, say, their last 12 or 13 statements, they'll be able to view them within that statement portal as well. The profile, so they can change their address. And they can also register or cancel for being able to pay online, so setting up that user name and password. A lot of the activity that they're going to be doing lives within the Payments tab. So this is where the data that you send us either through a file or through an API can be displayed to the user, as well as any notifications. So these notes can be customized as well. The user will select whether they want to make a one-time or recurring payment. They'll also be able to select what funding source, so whether they want to use their bank account that they've stored, or if they want to use a credit card, Visa Mastercard, Discover, Amex, that is stored within the system as well. So by selecting the card type or bank account will change and depend on what functionality gets shown. So I can see I want to use a test account that I have stored, enter my CVV. And then I'm able to select from a payment date. So you can select any date in the future. And this is something that can be customized within the implementation. You can also limit how far in the future that you allow customers to schedule payments. So you can manage those existing payments or scheduled payments more easily. So if I click on the payment date, I could select the date in the future. If I were, say, going on vacation and my bill was due on the 1st, I could select the 30th to pay it. We also see several different amounts that can be displayed to the user, as well as any custom amount. So if I want to enter a certain payments amount, I can click on-- but you can see here I can have a current balance. And this is all the data that you sent through in the file. So I can have a current balance, the minimum payment amount due, a payment amount past due, or a current statement balance amount. And these can be customized fields that you send through. So you don't have to send through all of these. But it just shows you that the option exists to send through multiple amounts do and have the payer manage how much they're going to pay. So if I want to select from an amount, I want to pay my minimum amount due, and I'd click continue. If I want to enter an amount, again, this can be customized in the set up. You can say we will accept all payments over a penny. You can do that, or you can set even minimums above that if you want to accept payments at least of $10. And then when I click Continue, it will click to the next screen. So that's for the one-time payments. For recurring payments, the user can drive what they want to pay and how often they want to pay it. So again, I can select different accounts. This gets processed as an ACH at the end of the day. With recurring payments, I can say I want to start this payment on a certain date for a certain frequency. So I can select daily, weekly, monthly, semimonthly, biweekly, quarterly, half yearly, or annually. So it gives you a lot of options. Again, this can be customized in the setup to display only the ones that you want to offer. So if you do have something that's like half yearly dues or annual dues, you can limit it to those. If you do have monthly payments, you can have those as well. And then as the user with a recurrent payment, I'm able to schedule how many payments I want to be set up for. So I want to fix the number of payments that are going to be processed. So I want to say I just want to do two payments on a monthly basis for a certain amount. So I want to do $125. If it's not a flat payment, that's where we'll get into our auto pay world. And if I click on auto pay, this is where I'm able to select the funding source. And then it's really driven by the data that you send to us. So the payer would select their funding source, enter their CVV. But then they're going to go into the payment amount options. So this is where it would be if it wasn't a fixed dollar amount. You would see a payment amount option here. And they can select their current balance. I want to pay my minimum amount due. And I would click Continue and then Confirm. So this gives you the notification to the payer. By clicking Confirm to confirm your payment, you authorize us to initiate the payments. And this will be for the amount that comes through on that file. For this case, it's a monthly payment. But it's going to be done for that amount that comes through on that file that gets processed each day. Payments can also be made over mobile devices. So we'll walk through enrolling for a mobile payments. So if I enroll my phone, it's going to send me an alert that requires me to enter a code. So this is basically authorizing the text message to be sent to your phone, whether it's for notification or for payments. So I'll select that notification. It's going to come through on my phone, as we speak. And I'll enter it here to verify. Once verified, you can see here there's days before due date to alert me. So I might say I want to receive it two days before my due date. I want to pay my minimum amount due. So similar to that auto pay, this is going to set up those payments that can be made over a mobile device. And I want to use a card account. And I would hit Submit. So again, it gives the notification. And this is all customizable text. So this outlines how the payment can be made over the mobile device once you've confirmed that payment. So now that I do have a mobile device setup, I'm also able to get notifications for other things. So I can get alerts sent to my device. This manages your phone. And then you also have alerts and notifications. This is just a sampling of the alerts and notifications that can be sent via email and text. So if I make changes to my funding source, so I add a bank account or add a credit or debit card, I can receive notifications via email for those. I can also see when a new bill is ready. I'm able to click on that button as well to say, hey, I want to receive a text message when I get a one-time payment schedule or a new bill is ready. And then as I change those, I can click Submit. Within the payments, let's go in and complete a payment and get to the final step in the process. So I'll enter the demo account. I'll enter the Visa that I want to pay with. I want to pay $10 in this instance and click Continue. Once I click Confirm, the users will receive an email notification that a payment has been completed, as well as you have the option in a couple of ways to get notified. So we can carbon copy you on the email. We can also set up a real-time payment confirmation message that gets sent to you, so you're notified in real time that a payment has been made so you can update your records. So I'll cook that Confirm button. If I want to make another payment or check a payment status, I can always click on those buttons as well. But this, you can see here, you could print that out as a user and see your confirmation number, when the payment was made, the funding source, excluding the numbers except the last four, and the amount. And anytime you want to see that data, you can click on the View Payment Activity underneath the Payments tab here to view any scheduled, processed, or refunded payments, as well as any automated payments that you have set up. Back on the Account Summary page, we showed you the statements. So if you choose to do electronic bill presentment with us, the user would go in and sign up for electronic billing. So I will click on the Paperless Billing. I want to get an electronic bill and stop getting paper. There is reporting given to you to say who signed up for electronic billing. You can also limit it to say, if you sign up for electronic billing, no longer send a paper bill or no longer allow them to click on this button. You can also have the option to sign up for both. So it's really up to you and the customizing throughout the implementation to determine how you want that to be set up. Now that I've signed up for paperless billing, if I go back to that front screen, if I click on this View Statement Button, this is going to pull up a PDF statement basically like they were opening it in the mail. But essentially, they're getting a PDF of that bill to be able to view on the screen. So along with the data that you send us in the file, you can also send us essentially similar to a billing file for us to display notifications as well as these bills to your customers. So they could click on that and view their statement. As I mentioned previously, the statements tab would have a list of all those bills. This is our demo environment. So we just have kind of a single statement. Most commonly, we have customers asking for 12 to 13 months. But we can go anywhere from 6 to 24 is most common that we see within the industries that we support. Back on the Account Summary page, any automated payment enrollments you would have, you could click down here. So as I sign up for those auto pays, you can manage that one within there. If you wanted to ever cancel online bill pay or manage your funding sources, the tabs are underneath the Payment tab. So I can Manage my Pay by Text. I could Set Up an Auto Pay. I could View my Payment Activity. Or I can always Schedule Payments. This concludes our demo of our e-bill service online customer experience. Please note that this service is highly customizable and highly configurable. So as you go through implementation, you'll be able to select the certain options that apply to your customer base.