Solutions & Services

Payments/Deposits

From creating traditional ACH transactions to multi-currency transactions, Digital Insight's Payments modules help you offer your business customers a variety of ways to move funds across all types of accounts.

ACH

Facilitates the creation and transmission of NACHA formatted files to your financial institution. ACH transactions enable business customers to make many types of Electronic Funds Transfer (EFT) transactions online, saving them time and increasing efficiency. Payment types supported include: payroll, vendor, collections, cross-border, and cash concentration - an addendum may be included in all payment types.

Book Transfers

Authorized users can transfer funds between accounts of common ownership easily with Book Transfer. This module can be real-time or batch and send all book transfers initiated to the host system for processing and posting at specified cut-off times. Provides three basic services: book account permissions, book input and book report.

Cash Concentration

Balances from different financial institution accounts can automatically be transferred to one header account, without reducing the balance of any given account below a certain minimum. The disbursement of funds is also supported. The actual transfer of funds is accomplished through a batch process, which is initiated by predefined cutoffs. End user level permissions and deposit limits enable you and your business end user to establish security controls that maximize risk management. The module follows the globally accepted organizational structures of company, division and location.

Foreign Exchange Trade

Supports real-time spot, forward, window and swap contract execution. Also included are position and liability reporting, client maintained settlement instructions, full accounting and processing of wire payments and drafts, as well as flexible support for the drawdown of outstanding contracts.

Money Market

Business users can initiate and monitor investment activity. Although typically used to offer money market type investment instruments, such as overnight repurchase agreements, the module can support many other investment opportunities.

Remote Deposit

A fast, easy and secure way for your business customers or members to make check deposits into your financial institution without leaving their office.

Wire Transfers

Enables business users to initiate and monitor incoming and outgoing domestic and international wire payment activity. The full featured payment front-end system can support a variety of back office processing requirements. You can tailor the features and functionality to accommodate a variety of clients - from large corporate clients issuing large batches of payments to small businesses initiating a handful of transactions.

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