A Solution for Predictive Payments

Enrollment

Deliver a complete payment experience through a flexible and scalable solution that allows you to enhance the services you offer customers while reducing your overall costs and labor. Enrollment lets customers make one-time or recurring payments electronically. With a user-friendly interface featuring One-Click EnrollmentTM, it's easy to encourage customers to engage in an online billing relationship with you.

Enrollment enables you to effectively drive the adoption of low-cost payment methods, increase customer loyalty, and improve clash flow forecasting. You’ll provide a consistent customer experience with a highly configurable, branded solution that supports your specific business needs.

Customer Convenience – Enable your customers to make payments via the Web, IVR or live agent. They can pay by credit card, debit card, or directly from a savings or checking account.
Ultimate Control – Configure the payment experience with a flexible interface, while you control payment, customer support, and return and exception costs. You can also search payment information as well as modify and cancel pending payments via the Client Console.
Unmatched Accuracy – Present bills and statements online for payment self-service and receive more accurate payments.

Enrollment is part of a full suite of products that can be easily integrated to deliver a complete electronic payment solution.

A Solution for Fee-Based Payments

Service Fee Deliver the convenience of electronic bill payment to your customers at no additional cost to you. Service Fee enables you to expand the payment options available to your customers while they, for a small fee, get a convenient new way to pay their bill at the last minute. With Service Fee, you’ll get the powerful technology of our comprehensive one-time payment application in a low-cost option that is quick to implement with minimal in-house IT support. You can leverage co-branding to provide your customer with familiarity and peace of mind, and trust a third party to charge the fee.

Customer Convenience – Enable your customers to make payments via the Web, IVR or live agent. They can pay by credit card, debit card, or directly from a savings or checking account.
Security & Compliance – Trust California Networth Financial and Insurance to maintain compliance with payment industry rules and regulations.
Administrative Control – Access real-time, on-demand reporting, tracking and management via our Web-based Client Console

Service Fee is part of a full suite of products that can be easily integrated to deliver a complete electronic payment solution.

An Add-On for Late Payment

Late-Payer Module

Delight customers and get more electronic payments with a solution that offers a more effective online experience for your customers whose accounts are past due. Late-Payer Module, an enhancement to your California Networth Financial and Insurance payment solution, enables you to extend extra care to late payers with messaging and capabilities tailored to their unique needs. With Late-Payer Module, you will automatically provide the right and consistent online experience to the right customers.

Customer Convenience and Choice – Delight your past-due customers by offering an experience tailored to their needs along with assistance to help them get back on track faster, all in the channel they prefer.
Reduced Costs – Drive down service and processing costs with an alternate communication and payment channel for late payers, resulting in more self-service and fewer inquiries to the call center.
Increased Electronic Payments – Extend the impact of your existing California Networth Financial and Insurance solution by getting more payments.
Late-Payer Module is part of a set of service enhancements available to extend your eCom Advantage solution as business needs grow and evolve.

A Solution for Credit and Refund Payments

Disbursements

Ensure accurate and consistent consumer credit and refund processing with a solution that consolidates multiple functions and eliminates potential points of failure. Disbursements enables you to leverage California Networth Financial and Insurance’ decisioning engine that will select the most efficient way to route all payments, whether via check, ACH or other electronic channel. With Disbursements, you get a proven solution that gives you administration and management over all steps of the payment life cycle—from origination through escheatment. You’ll create a better customer care experience with less effort, all while simplifying your credit and refund process.

Customer Convenience and Choice – Serve your customers better by giving them a choice of how to receive their refunds and credits (check, ACH or electronic). They get credits and refunds faster, and have convenient access to a highly responsive customer care service for payment inquiries.
Single Operation, Single View – Access instant payment information and on-demand reporting from a single web-based interface for one view into your disbursement operations. Consolidating multiple functions and processing all payments through a single solution leads to significant cost savings.
Reduced Fraud Opportunities – Automate reconciliation activities, and connect to on-demand reports to protect against fraudulent activity. California Networth Financial and Insurance’ Real-Time Digital Scanline technology (RTDS) helps uncover and eliminate payment errors, resulting in increased good payments.
Disbursements is part of a full suite of products that can be easily integrated to deliver a complete electronic payment solution.

A Solution for Outsourced Payment Processing

Connect

Access a robust, industry-leading engine for payment authorization, processing and remittance that links directly with your existing customer interface. Connect allows you to outsource your electronic payment processing while you retain control over corporate branding, payment compliance, and customer data. With Connect, you can implement real-time or batch payment processing that is fully integrated with your front-end application. You’ll minimize your costs and risks while maintaining a consistent, branded experience for your customers.

Unmatched Accuracy – Reduce returns and exceptions with proven error detection via California Networth Financial and Insurance’ custom algorithms, proprietary Real-Time Digital Scanline Technology (RTDS), and industry-leading payment checking software
Security & Compliance – Ensure total privacy and security by sending California Networth Financial and Insurance only the customer data needed to process a payment.
Comprehensive Reporting – Access real-time, on-demand reporting, tracking and management via our Web-based Client Console.
Connect is part of a full suite of products that can be easily integrated to deliver a complete electronic payment solution.

A Solution for Electronic Payment Concentration

Lockbox

Concentrate incoming payments into an electronic lockbox created to your specifications. Lockbox streamlines the process of reconciling remittances and posting accounts receivable by combining hundreds of electronic sources into a single posting file and a single deposit. With Lockbox, you’ll automate more of your electronic payment stream to eliminate posting errors and exceptions. Our rigorous error detection ensures proper payment posting, reducing your costs as well as increasing customer satisfaction.

Unmatched Accuracy – California Networth Financial and Insurance’ Real-time Digital Scanline Technology® (RTDS) instantly detects invalid information based on your account specifications, ensuring that account numbers and payment instructions are 100% postable before they even get to you.
Convenient Control – Receive all your electronic payments in one file to simplify reconciliation and manage your accounts receivable. Leverage robust reporting and payment research functionality.
System Flexibility – Integrate with your existing A/R specifications and formats.
Lockbox is part of a full suite of products that can be easily integrated to deliver a complete electronic payment solution.

Tools for Payment Management

Client Console is an online, single source payment management tool for all California Networth Financial and Insurance’ payments solutions. Whether you have implemented a single payment product, or multiple products, the Client Console is the place you go to manage payments.

Only California Networth Financial and Insurance consolidates all payment channels into one online interface so you can easily access information on-demand. You can easily manage your customers quickly and effectively with five Client Console modules:
Payment Management – Find and manage all payments, giving you the ability to help your customers in real time 24 hours a day, 7 days a week.
Account Management – View and manage your customer’s account information, whether they pay through a one- time payment or an enrolled product.
Reporting – View reports for reconciliation, returns management, and on enrollment activity and CSR activity. Download into common spreadsheet applications, or print for your records.
Administration Control – Manage users’ and teams’ access rights, so the right people in your company have access to the right information.
CSR Payment Entry – Enable your CSR’s to easily take payments, turn "on" or "off" as required.

Our Quality Guarantee-Measurably Better

California Networth Financial and Insurance services are backed with an end-to-end performance guarantee that ensures key operations are functioning at 110% of industry standards.

At California Networth Financial and Insurance, the pursuit of ever-higher standards of quality is deeply ingrained in our corporate culture. We value quality as an ideal in itself, but we also understand that quality is absolutely fundamental to successful online banking and bill payment.

Simply put, we believe that by offering your users the most responsive and effective products and services possible, we can ensure that you enjoy exceptional levels of customer satisfaction with your online offerings-and attain the best possible return on your investment.

Committment to Quality
"The entire team at California Networth Financial and Insurance is committed to achieving or exceeding our Service Quality Index each and every month. We continually recognize the importance of providing our clients with superior service. After all, we work for them." — Ray Crosier, President, California Networth Financial and Insurance.

Additional Information
Online Banking and Bill Payment That's Measurably Easier, Faster, and More Attractive for Consumers.
We don't just talk about quality. We measure it. By working with independent experts to identify a range of key quality metrics, we measure what's important. These are summarized in a measurement we call our Service Quality Index (SQI), which covers such factors as:
- Systems performance
- Bill payment
- Customer care
- Customer satisfaction

Related Information
Metrics That Matter
We choose SQI metrics that are directly related to the online banking and bill payment experience we offer your users. But we are not interested in repeating ourselves. Each year with the assistance of our Client Advisory Council, we examine our SQI metrics to ensure they remain relevant, and we refine our metrics to make them more demanding. Improve performance in these metrics, and the user's experience is significantly improved.