Upgrade bill pay
Swap your current program one-for-one. Every customer who pays bills with you today gets the upgraded experience.
Best for: moving every bill pay customer at once.
New from Autobooks
Upgrade bill pay and business banking in one decision
Give your business customers a modern bill pay experience and the tools to run their business, right inside digital banking. Upgrading to Autobooks means they can do more: pay bills a better way, get paid, manage cash flow, and access lending.
Payee information
Payee nameLakeside Electric Co.
Payee addressPO Box 4120, Columbus, OH
Account number••••7731
01
Business bill pay, upgraded
A new interface built for how businesses pay bills. Pay from the account or by card on any bill, even vendors that don't accept cards. APIs let you and your digital banking partners build bill pay deeper into your digital banking experience.
Learn more02
Businesses can do more
Upgraded bill pay comes with tools to get paid and run the business, manage cash flow, and access lending. Every capability shares the same data, and bill pay, getting paid, and lending can each stand on their own where you need them.
Learn more03
Grow deposits. Earn more.
When business payments run through your digital banking, deposits stay and grow with you. Earn more from your small business portfolio through interchange, merchant activity, and small business lending.
Learn more01 · Bill pay, upgraded
A better way for businesses to pay bills
A modern interface and new ways to pay, with open APIs behind it. Here's what your business customers get.
New
Pay by card
Pay any bill by card, even vendors that don't accept cards.
- Debit or credit cards your institution issues, which earn interchange for you
- Credit cards from another provider, so the business earns points and you learn more about its expenses
- Card payments help a business manage the timing of its cash flow
Open APIs
Your team and your digital banking partners decide how bill pay fits into your digital banking experience.
Electronic bills
When eligible, statements and biller details flow straight into bill pay.
One-time and recurring payments
Pay now, schedule ahead, or set up recurring payments for bills that repeat.
Payment history
See what's been paid, when, and how, all in one place.
Approval workflows
Review and approve payments before anything goes out.
Real-time fraud monitoring
Payments are monitored for fraud as they move.
For the business owner
- Decide who they pay, when, and how, in one place.
- Better manage their cash flow by bringing payables, receivables, and future balance projections into a connected experience.
- Protect outgoing payments with approvals.
For your institution
- Earn interchange when owners pay with debit or credit cards you issue.
- Increase digital engagement by providing more than a point solution for bill payment.
- Drive additional product adoption by offering solutions that work better when connected.
Bills
Lakeside Electric Co.
$412.18
Scheduled
$412.18
Scheduled
Summit Office Supply
$1,265.00
Awaiting approval
$1,265.00
Awaiting approval
Ridgeline Insurance
$880.00
Paid
$880.00
Paid
Metro Waste Services
$156.40
Paid
$156.40
Paid
Every payment, its method, and its status in one view
02 · Businesses can do more
Bill pay is one part of how a business runs
Paying a bill starts long before the payment goes out. Money comes in from customers, gets recorded, and shapes what an owner can pay and when. Most bill pay solutions stop at simply paying bills. Autobooks connects bill pay with getting paid, accounting, cash flow, and lending, so every payment informs the books, future balance projections, and the owner's next financing decision.
Connected small business banking
Pay bills
Bill pay, pay by card on any bill, electronic bills, and approvals.
Get paid
Invoicing, in-app payments, payment links, QR codes, and Tap to Pay on iPhone.
Accounting
A native accounting ledger for digital banking that eliminates the need for third-party apps and connections.
Cash flow
A clearer view of where the business stands today, with future balance projections.
Lending
Data-driven small business lending, on or off the financial institution's balance sheet.
03 · Deposits and revenue
Retain and grow deposits. Earn more revenue.
When business owners pay bills, get paid, and manage their business inside your digital banking, their deposits stay and grow with you. Your small business portfolio earns more along the way.
Bill pay
Interchange
Earn interchange when business owners pay bills with debit or credit cards you issue.
Receivables
Merchant activity
Earn on payment acceptance when business customers get paid through invoicing, in-app payments, payment links, QR codes, and Tap to Pay on iPhone.
Autobooks Capital
Small business lending
Lend on your balance sheet with your own credit criteria, or offer third-party funding and earn without carrying the credit risk.
Small business owners are not asking for another checking account. They need to get paid, keep their books straight and manage the timing of receivables. Those tools now come with the account instead of being something they seek from a third-party provider.
One decision
Three ways to get started
Autobooks Pro gives you flexibility in how you go to market, based on what fits your institution.
Questions financial institutions ask
How does business bill pay earn revenue for our institution?
You earn interchange when business owners pay bills with debit or credit cards you issue. Because upgraded bill pay comes with tools to get paid and access lending, you can also earn from merchant activity and small business lending.
How does business bill pay help retain and grow deposits?
Owners pay bills inside your digital banking instead of on vendor websites and outside apps. When they pay bills, get paid, and manage their business with you, their deposits stay and grow with you too.
What else can businesses do with upgraded bill pay?
Owners can get paid through invoicing, in-app payments, payment links, QR codes, and Tap to Pay on iPhone, keep their books, manage cash flow with future balance projections, and access lending. Every capability shares the same data.
Can we build bill pay deeper into our digital banking?
Yes. APIs let your institution and your digital banking partners build bill pay more tightly into your digital banking experience.
Can business owners pay a vendor that doesn't accept cards?
Yes. Pay by card works on any bill, including vendors that don't accept cards directly. Owners choose the card, and the bill gets paid from inside your digital banking.
Which cards can business owners use?
Owners can pay with a debit or credit card your institution issues, which earns interchange for you. They can also use a credit card from another provider, so the business earns points and you learn more about its expenses.
Do we have to replace our current business bill pay?
No. You can upgrade your current program one-for-one, offer the Autobooks suite to a defined segment of businesses first, or do both. Every path starts with your Autobooks Pro license.
What do bankers see?
Bankers see transaction activity in the Autobooks Hub, a small business CRM that tracks and reports on customer activity. The Hub alerts your team when a business owner uses a third-party tool or is a prime candidate for a product offer.
See Autobooks Pro with business bill pay in action
Schedule time with our team to walk through the new bill pay experience, everything businesses can do with it, and the rollout path that fits your institution.