Creative Payment Solutions offers our clients proven methods to simplify payment processing. Our robust solutions address merchants' key needs in expanding payment acceptance options while reducing administrative time and expense.

Reduce the Time and Expense of Payment Processing
AR-BOX is an alternative electronic lockbox solution, consolidating relationships with multiple bill payment processors into a single, complete source.

• Receive and post payments electronically.
• Apply payments within 2 days of the consumers’ payment date - down from an average of 5-7 days when a check is mailed.
• Eliminate the daily manual tasks of posting payments and preparing bank deposits.
• Free your personnel for other tasks with an automated daily file posting.
• Simplify payment research with summary and detailed reporting of all online payments.
• Consolidate payments from multiple bill payment processors into one source.
• Reduce the number of single checks or check and lists mailed in by online banking processors.

Learn about AR-BOX

Accept Paper Checks Over the Phone
PaymentXchange gives your customers the ability to pay you electronically with a personal check by phone. Customers provide their bank routing and account numbers to you over the phone, just as they would their credit card information, and give you verbal authorization for the transaction.

• More than 75 million people in America do not have credit cards but do have checking accounts.
• Give your customers the ability to pay you electronically with a personal check over the phone.
• Give your customers alternate solutions for making monthly payments, paying for products at the point of purchase, or paying for directly marketed products.
• Customer check payments can be processed electronically for conversion and collection.

Learn about PaymentXchange