Products and Solutions
National Payment Solutions
506 Manchester Expressway
Suite A-12
Columbus, GA 31904
P.O. Box 4219
Columbus, GA 31914
Phone: 877.734.0673
Fax: 706.596.1324
Sales: sales@nationalpaymentsolutions.com
Customer Service: customerservice@nationalpaymentsolutions.com
Web Site: webmaster@nationalpaymentsolutions.com
Quick Links
Financial Institutions
Risk Management of Remote Deposit Capture
RDC provides a new way to gather deposits, but also presents a new payment risk to banks and aggregators accepting deposits. To protect banks and bank customers, NPS is bringing the industry an innovative and automated way to analyze deposit risk. RiskXP™ enforces deposit policies and internal risk policies that protect financial institutions and their small business customers that often receive payments by check.
Download the Brochure (PDF)
Electronic Deposit and Recovery
Remittance and Check Processing / Accounts Receivable Conversion (ARC)
Designed for the monthly billing company, ARC is used for posting and processing all mailed-in and drop-box checks. ARC allows organizations and businesses to stack all customers remit stubs and checks and scan them for more efficient and faster posting to the accounts receivable billing system (A/R). At the same time, consumer checks are deposited electronically to the bank through the Automated Clearing House (ACH) network. All non-eligible items, such as business checks, money orders, and bank checks, can be processed electronically as Check 21 items.
This process benefits companies and organizations financially by creating huge labor savings while reducing human errors. In addition, “collected” funds are received in your bank account the next business day. Returned checks are received faster as well, and can be handled automatically through NPS’s Electronic Recovery process, making the process much more efficient than the current paper method.
Features Include:
- AQURIT software
- Customized interface to most A/R billing systems/lockbox formats for automatic posting
- Supports scalable check image readers supported by Silver Bullet's Ranger driver, which includes NCR, Canon, Digital Check, Panini, and more.
- CAR (Courtesy Amount Recognition)
- LAR (Legal Amount Recognition)
- ICR (Intelligent Character Recognition) to read hand-written amounts
- OCR (Optical Character Recognition) for better MICR reads
- Barcode Recognition
- Images remit stubs and checks
- Research function to view images
- Ability to archive
- Adjustments function for easy reconciliation
- Multiple sort patterns for single items as well as multiple exception items
- Convert to ACH or x9.37 Cash Letter
Download the Brochure (PDF)
ACH Processing
National Payment Solutions in association with ePayment Processing, Inc. (ePayment Processing) has a direct link to the Federal Reserve Bank as a “third-party, bank-neutral” ACH processor. We settle millions of dollars monthly for our clients in a safe, secure, and reliable environment. Our clients have come to trust us to settle their money in a banking way. The National Automated Clearing House Association (NACHA) governs all rules and regulations for the ACH network.
Features Include:
- Prearranged Payments and Deposits (PPD), also known as automatic "bank drafts", and recurring debits
- ARC processing
- Consumer checks made online (WEB)
- Consumer checks made through ePayment Kiosk
Online Bill Pay (WEB)
National Payment Solutions, in association with ePayment Processing’s www.epay-bill.com, has developed an online bill presentment and payment application for processing credit cards and check payments for the utility industry.
Features Include:
- Interface to Black Mountain Software for automatic upload and download
- Allows customer to view bill balance and past due balance
- Displays customer’s name, address, phone number, email address, and utility account number
- Accepts all merchant credit and debit cards
- Accepts personal checking accounts
- Displays last five payments made online
Download the Brochure (PDF)
Self Serve ePayment Kiosk
Similar to an ATM machine, the kiosk allows customers to pay their bills themselves. Instead of using the valuable time of your staff just to accept bill payments, let the ePayment Kiosk handle that duty. With a customized interface to most A/R systems, the customer will use the touch-screen technology to view the bill balance. Payment options include cash, check, and/or a credit card. The customer will confirm the amount to pay, and submit his or her payment for processing. A final receipt will print confirming a payment was made.
Features Include:
- Indoor and outdoor units
- Accepts cash, checks, and /or credit cards (Coins are not accepted and change is not given back for cash transactions.)
Download the Brochure (PDF)
Electronic Recovery Process / NSF re-presentments and Collections
All checks processed as ACH transactions or as paper transactions and are returned unpaid can be processed through Electronic Recovery. It is made up of automatic re-submissions for all items returned non-sufficient funds (NSF) or uncollected funds (UCF). Reports are generated and sent to your organization for notification and reimbursement, and a letter is sent to each check writer notifying him or her of the process. For all items still unpaid after the electronic re-presentments, traditional collections take over. This step is also for account closed, stop payment, or refer to maker checks. While in traditional collections, additional letters are sent, phone calls are made, skip tracing is performed, and reports are made to the credit bureau.
Features Include:
- Automatic electronic re-presentments
- Reporting to your business
- Letters sent to the check writer
- Verification of funds
- Faster turnaround and reconciliation
- Credit bureau reporting
Download the Brochure (PDF)
Credit Card and Debit Card Processing
National Payment Solutions in association with Paysouth Merchant Services / Elavon, provide complete card authorization, settlement services and credit/debit card applications at the point of sale, over the Internet, via telephone, and recurring applications for monthly billers. Our processor is a leader in the card transaction processing industry today.
Traditional Check Recovery Services
National Payment Solutions provides merchants with traditional forms of collection and recovery of returned checks. Dealing with return items electronically offers many benefits to merchants. NPS provides a sense of security for businesses accepting personal checks. Merchants may now focus on the core of their business, rather than spending endless hours on the recovery of returned checks.
Features Include:
- Electronic representments
- Traditional collections
- Skip tracing
- Credit bureau reporting
- Verification reporting to NCN's national negative database
Child Support Recovery Services / ckCOLLECT
National Payment Solutions currently works with various states to collect returned checks for child support payments. Years of refining our multi-stage collection process enable us to offer a total package to any private or governmental agency. Our system’s flexibility allows the customer to choose the degree of involvement by us, from electronic re-presentments to our multi-stage traditional collection process.
Download the Brochure (PDF)