FirstView offers B2B, B2C and G2C outsourced presentment and payment services for enterprises of all sizes.

Online bill and invoice payment continues to grow as more and more buyers (consumers and businesses) prefer the convenience and ability to manage cash by utilizing flexible online payment systems to automate their purchase-to-pay process. Statistics also show that online payments will continue to grow through the next decade as billers for goods and services establish and enhance their online self-service offerings.

Challenges still inhibit entities from providing or continuing these online services. Costly and lengthy implementation and integration timeframes, costs to maintain current or add new function, costs to attain/maintain compliance with industry standards, costs associated with information technology (IT) and its support and other resources often cause companies to re-think their online payment strategy especially when adoption of the service can be relatively low.

FirstView offers a multipurpose bill and invoice presentment and payment services platform for entities requiring business-to-consumer (B2C), business-to-business (B2B) and government-to-consumer (G2C) presentment and payment. FirstView designed its platform, FirstPoynt, to deliver a quality and cost-effective solution to meet current and future demands for online payments while dramatically reducing the implementation/on-going costs and IT resource requirements. With compliancy, flexibility and reliability at the forefront of the solution, FirstPoynt delivers flexible payment channels and payment methods with the convenience of 24/7 availability.

• Web Module: An internet-based solution for online payment. With the FirstPoynt web solution, clients have three options:
  • FirstPoynt Direct: A hosted, client-branded offering where the client's buyers can log in and access bill/invoice information and make payments. FirstView manages the log in and authentication process.
  • FirstPoynt Portal: A hosted, client-branded site to which the client's buyers are transferred seamlessly via "single sign-on" (SSO) to FirstPoynt. Buyers are not required to log in again to access our payment function.
  • FirstPoynt Frames: A hosted solution that permits FirstPoynt to operate within the web presence (frames) of our clients. Buyers see the identical web borders throughout the online payment experience.
• Customer Service Representative (CSR) Module: A hosted web-based solution that enables CSRs, agents or other representatives to accept payments on behalf of buyers/customers. This module is suited for entities that wish to accept payments from inbound calls and walk-ins (over-the-counter). It also supports outbound calls for collections and credit purposes.
• Interactive Voice Response (IVR) Module: A hosted, automated and telephone-based solution for accepting payments via touch tone telephone.
• Kiosk Payments: An internet-based self-service payment channel for remote locations like local libraries, grocery stores and other convenient locations.
• FirstPoynt Gateway: A payment gateway solution for clients to interact directly to FirstView for electronic transaction processing.

• Credit cards
• Debit cards
• Automated Clearing House (ACH)/electronic check
• ATM cards
• Fed Wire
• Paper checks
• Money orders
• Credit memoranda
• Cash

1. Merchant funded: The merchant pays for all ACH, credit card and debit card fees.
2. Consumer funded: The buyer pays a convenience or service fee that in the aggregate pays for the ACH, credit card and debit card fees.

Any combination of the channels, payment methods and funding models above can be enabled and FirstPoynt comprehensive reporting of payments and buyer activities for all channels is integrated into one easy-to-use, web- based administrative tool.

• Dispute resolution and management: A client business rule-based and automated means of disputing invoices online. Disputes and supporting data are captured and delivered to our client to facilitate rapid cash application.
• Multi-approval Workflow: A flexible tool to enable business buyers to have multiple users with differing approval limits and security levels to better support its Accounts Payable department process flow.
• Detail presentment: Delivering bill/invoice detail for online viewing and downloading.
• TrendPoynt: A payment analysis tool that allows our clients to modify payment methods and payment limits for individuals or groups of buyers based on their payment trends and history to better manage payment processing risk, bank NSF fees, and credit card interchange/chargeback fees.
• Multiple payment process flow: A means of presenting multiple invoices/bills on one screen to allow customers and buyers to pay any or all available invoices/bills in one payment. The remittance information delivered will retain the individual invoice/bill data to facilitate cash application.

Because each industry has unique characteristics and billing needs, FirstView offers specialized electronic capabilities for the following industries:

Business-to-consumer (B2C) Utilities Telecommunications and cable companies Government institutions Higher education institutions Insurance companies Consumer loans / Mortgage Healthcare Charitable organizations Property Management

Business-to-business (B2B) Distribution Consumer package goods Transportation/Shipping Manufacturing Insurance companies Financial services Third-party service providers

• A cost-saving means of delivering bill/ invoice information
• A tool for adding convenience and value to client relationships
• Online dispute resolution and management
• Effective management of payment processing fees
• International presentment and payment capabilities
• Secure transactions to protect sensitive client information
• Feature and function-rich solutions to surpass competitive offerings
• Scalability to accommodate current and future growth rates
• Reliability to meet the availability demands of customers
• Compliancy with industry standards to ensure security, consistency and predictability
• Rapid and easy deployment to gain the benefits of our solution more quickly
• Flexibility to accommodate multiple payment channels and payment methods
• Flexibility to accommodate future changes of features, service offerings and regulations
• Easy access to meaningful reporting information
• Cost-effective fees to optimize the return on investment of our solutions
• An easy to use solution to instill comfort and confidence in making online payments.

FirstView is a premier provider of electronic financial processing solutions, built on an advanced and readily scalable processing infrastructure. Our open, n-tiered architecture provides proven, stable, and effective solutions that can be precisely configured to specific client needs while maintaining the highest level of security, performance, and customer service.

Many of our customers were formerly challenged with issues from old-line platforms that require long product development cycles, assuming their solutions could even be implemented. What we offer instead is a flexible platform and a team capable of delivering solutions rapidly yet predictably. In addition to performance, we provide the reports and support that help you deliver the highest quality experience to your own customers.

FirstView is focused on delivering the complete financial transaction solutions that our customers need. Our technology platform is proven around the globe.