About iPay

iPay Solutions provides online consumer and business bill pay, among other payment solutions. iPay's Online Bill Pay Product is Narmi's default option for providing an API-based payment experience integrated into Narmi's Consumer Digital Banking and Business Digital Banking platforms. iPay is an optional third-party vendor (TPV); however, integration with this vendor is currently required for customers who use Narmi's Digital Banking product and want to offer Bill Pay to their customers.

Bill Pay is a service that allows customers to pay bills (rent, mortgage, phone, utilities, etc.) through the web or mobile application without having to write and mail physical checks. The service makes it easier to organize bills, save time, and avoid late fees. For more information regarding the Bill Pay workflow in the Narmi platform, visit Bill Pay.

iPay Bill Pay Features

The primary features that Bill Pay offers via the Narmi platform are:

• QuickPay – Consumers can use Amazon’s Alexa and simple voice commands to securely and quickly complete bill payment activities or request basic information about payment history. iPay QuickPay requires consumers to have a smartphone with the Alexa App installed, an Amazon account, and any Alexa-enabled device. Once added, users can click through the "More BillPay options" SSO link, click on Account options, and create voice credentials there. 

• eBill – iPay eBill replaces paper bills with digital billing. Consumer and business subscribers receive automated email notifications when new bills are available for payment. They can retrieve bills without navigating to multiple biller websites. PDFs of current and historic bills are available for viewing, downloading, or printing, with an archive of previous bills maintained.

• Email Payments (P2P) – iPay’s P2P capabilities enable money to be sent quickly, easily, and securely to anyone with an email address or mobile phone and a U.S. bank account. Recipients of transactions initiated by account holders can receive expedited funds using traditional bank accounts.

• Extended Storage – The ability to store payment history for a rolling 2, 3, 4, 5, 6, or 7 years. The product comes standard with 18 months of payment storage at no charge.

• Two-Factor (Multi-Factor/2FA) Authentication – Primarily used with dual sign-on into iPay. Note: 2FA is very uncommon when using either SSO or the API.

• Check Imaging – The ability to return an image of the front and back of a check processed through the Bill Pay system once it has cleared. It can be a rolling 3, 6, 12, or 18 month view. The images will be available in the Mastersite admin portal and to the subscriber.