Striata BillPay
Striata BillPay offers an innovative 'one-click', no registration electronic bill payment, directly from within the encrypted, emailed bill itself, revolutionizing the way bills, statements and collection notices are paid.

Striata BillPay is a solution to help billers gain maximum electronic payment customer adoption, by taking their ePayment strategies to the consumer.

Striata's innovative 'one-click', no registration electronic payment capability is built into the eBill, allowing customers to make a bill payment directly from within the encrypted, emailed bill itself.
Primary business drivers:
  • Instant bill delivery.
  • An enhanced customer experience.
  • Faster, electronic payment.
  • Higher ePayment adoption.
  • Personalized, targeted marketing.

The biller delivers an electronic replica of their current paper bill directly into the customer's inbox as a secure attachment to the email. The customer decrypts, then opens the bill. There is an ePayment form alongside the 'Amount Due' that comprises of three short payment fields to be completed. A branded payment button securely transmits the customer's payment information directly to the biller's transaction server.

This solution complements existing eBilling (EBPP) websites and self service portals by providing two strategic enhancements:
  1. Paper turn off: The majority of internet self service customers still receive their paper bills and statements. The delivery nature of email bill payment dramatically increases paper turn off adoption.
  2. Entire customer base: Striata BillPay is available to everyone with an email address, not just those customers that use the biller or financial institution's website. In most instances, it is the first step to that ultimate digital relationship with the consumer.

To gain maximum electronic payment customer adoption, billers need to take their ePayment strategies to the consumer, by offering convenient and cost effective options.

For the biller:
  • Adoption is not dependent on pre-registration. The biller does not incur marketing costs to entice customers to register on their website.
  • A significant percentage of consumers will pay their eBill within a day or two of receiving it, thereby drastically reducing the number of days sales outstanding (DSO).
  • No additional electronic payment processing integration. Striata is able to work seamlessly with your existing ePayment processor.
  • Biller's can link customers from within the Email Bill, to their Internet self-service portal for additional customer service and up and cross selling of product/services.
  • There are significant, personalized, marketing opportunities in the email bill and payment confirmation email.


For the customer:
  • There is no need to register for this service.
  • There is no need to visit a single web page.
  • There is no need to chose and remember a username and password.
  • Customers with dial up Internet access can pay their bills without opening slow web pages.
  • ePayment takes less than 20 seconds and is secure and instant.
  • There are no postage costs.
  • Payment receipt is received instantly and confirmed via email shortly thereafter.


Detailed statistics / reporting include:
  • When the bill was delivered and opened.
  • When it was paid, and the amount paid.
  • Any marketing links that were clicked on.
  • Declined / failed payments.
  • Auto-pay submission details.
  • Payment confirmation emails that were delivered and opened.