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Gem Lake | Innovating the Online Payment Experience <br /> Confidential & Proprietary © 2021 | 10 <br />2.1 One-Time Payments <br />Invoice Cloud provides a best-of-breed one- <br />time payment system. "Unregistered" <br />customers can fill a shopping cart with <br />related invoices, and pay in three or fewer <br />steps. We provide multiple opportunities and <br />incentives to register for an account, go <br />paperless, and enroll in AutoPay or Pay by <br />Text. <br />Customers can make one-time payments <br />directly from email or text notifications, or <br />through the portal. Customers can look up their bills using criteria configured by the biller, e.g. <br />Account Number or Service Address. (Figure 13) They can also view an exact PDF copy of their <br />invoice and set calendar reminders. <br />IC provides a user-friendly shopping cart experience enabling payers to add multiple invoices <br />from different departments, and pay them all in a single transaction. (Figure 14) IC will make <br />deposits to different bank accounts, per your business rules. <br />Higher E-adoption through One- <br />Time Payments <br />41% of online payers use one-time payment <br />channels. Most of these customers do not go <br />online with the intent of signing up for these <br />additional services. Invoice Cloud maximizes <br />enrollment (and, thus, print/mail cost savings) by <br />presenting enrollment options as part of the one- <br />time payment process. <br /> <br />Figure 13. Finding a bill in the one-time payment route. Customers can quickly find their bill using search criteria <br />defined by the biller. <br />Delete and replace <br />with biller logo