Product

Business Online™ ™

Real-Time, Self-Service Online Cash Management

Benefits
Key Benefits
Business Online provides advanced
advanced
features and
features andaawide
widerange
rangeofofself-service
self-service
banking capabilities.
capabilities.

•• Multifunction
MultifunctionalOverview
homepagepage
• Responsive, tablet-friendly design
• Responsive, tablet-friendly design
Business Online
Business Online from
from Fiserv
Fiserv isis aa secure
secure and
and flexible
flexiblesolution
solution
• 24/7 access to real-time
that
that delivers
delivers high-performance
high-performance onlineonlinecash
cashmanagement
management • 24/7 access to real-time
with account information
with next-generation
next-generation features
featuresthatthatsignificantly
significantlyenhance
enhancethethe account information
online
online customer experience. It helps streamlinebusiness
customer experience. It helps streamline business • Customer password management
services, • Customer password management
services, boost
boost customer
customersatisfaction,
satisfaction,lowerlowercosts
costsand
and • File and funds transfers
increase revenue.
increase revenue. • File and funds transfers
• Stop payments
Anytime, anywhere cash management •• Stop payments
Account nicknames and favorites
is what business customers look for and
Anytime, anywhere cash management •• Account nicknames and favorites
appreciate. Business Online offers 24/7 Loan payments and advances
is what business customers look for and
online banking designed to exceed their •• Loan
Statepayments
and federal
andtaxadvances
payments
appreciate. Business Online offers 24/7
expectations. Business Online helps
online banking designed to exceed their •• State
Rotating
andadvertisements
federal tax payments
customers be more productive, enabling
expectations. Business Online helps
them to attract new business and build • Flexible branding options
customers to be more productive, enabling • Rotating banner ads
profitable relationships. • Customizable navigation menus
them to attract businesses of any size and • Flexible branding options
Business Onlinerelationships.
build profitable is a user-friendly • Account number masking
business banking tool that empowers your • Customizable navigation menus
• Self-service administrative options
organization
Business Onlineto compete with aggressive
is a key product within our • Account number masking
national banks. With
set of sophisticated yetBusiness Online,
user-friendly business • Balance authentication options
you havetools
banking the that
foundation
empower foryour
a complete
organization •• Self-service administrative
Customer review options
and approval of
cash management
to compete channelnational
with aggressive that delivers
banks.a designated transactions
• Balance authentication options
world-class
With Businesscustomer
Online, youexperience.
have the foundation
for a complete cashofmanagement channel that • Customer review and approval of
With a wide range powerful e-commerce,
delivers aand
world-class customer experience. designated transactions
imaging document management Business Online is an essential part
systems, Business Online offersrange
Seamless integration with a wide of
corporate of a strong digital business strategy.
powerful e-commerce,
customers imagingofand
the convenience document
easily Business Onlineonline
No third-party is a versatile
bankingand seamless
system
management systems offers corporate
managing their financial activity online. addition
can offertotighter
your technology
and more strategy.
complete No third-
customers
Its premium thefeatures
convenience of easily
help you gainmanaging
a party
integration with your bank platform. tighter
online banking system can offer
their financial activity online. Many
competitive edge, and flexible brandingpremium and more complete
In addition, a set ofintegration with your bank
universal Fiserv
features help you gain a competitive edge, and platform. In addition, a set of universal
product standards reduces staff training Fiserv
lets you create a unique look that reflects
flexible branding lets you create a unique look product
time andstandards reduces
back-office staff training
administrative time
tasks.
the personality of your organization.
that reflects the personality of your organization. and back-office administrative tasks.
Strengthen Relationships With Business
video, Online
such as antoonline
be the singleabout
tutorial portal for
High-Performance Cash Management businesses
managing to Spending
your access allReport.
the commercial
Quick Launch
Multifunctional Homepage features
links your
make financialused
commonly institution
featuresoffers.
like ACH
Multifunction Overview Page Manager from Fiserv and your online bill pay
Business Online makes it easy for User-Friendly Funds Management
Business Online makes it easy for busy system immediately accessible in a pop-up
busy customers to log in, manage their Sophisticated funds management
customers to log in, manage their finances window that overlays the Overview page,
finances and be on their way – all with capabilities provide authorized employees
and be on their way – all with very few clicks. creating a totally seamless online presence.
very few clicks. Designed using in-depth with the ability to quickly and easily make
Designed following in-depth primary research
user preference research, the homepage disbursements, tax and loan payments,
on user preferences, an interactive, integrated User-Friendly Funds Management
provides access to the most commonly ACH and internal transfers, domestic
Overview page provides access to the most Sophisticated funds management
used functions, helping customers and foreign wire transfers, and more.
commonly used functionality in one convenient capabilities provide authorized employees
complete tasks quickly and easily. To enhance check reconciliation services,
place, helping customers complete tasks more of a business with the ability to quickly
Customers use the
quickly and easily thanhomepage
ever. to view customers can upload ACH files in standard
and easily make disbursements, tax and
real-time balances for their accounts, NACHA, fixed-width or delimited formats,
loan payments, ACH and internal transfers,
make internal
The Online Chatandtab
external transfers,
accesses the latest and upload check reconciliation-issued files
domestic and foreign wire transfers, and
manage transactions, send
feature-rich instant messaging andtechnology,
receive for reconciliation and fraud management.
more. To enhance check reconciliation
secure
enablingemail, viewinteraction
real-time alerts, access bill
between A convenient Payments
services, customers can & Transfers
upload ACH files in
payment and much more.
customers and specialists at your section on the homepage eliminates the
standard NACHA, Fixed Width or Delimited
organization
A – alllook
user-friendly withand
a click
feelofenhances
the mouse. need to navigate
formats, and uploadto multiple locations to
check reconciliation
the online experience. Flexible menu issued files for reconciliation management
perform a variety of transfer and fraud
Customers
and use the
page layout Overview
options let youpage to view
customize functions. Customers use this section to
management.
real-time
the balances foristheir
way information accounts,
displayed. make
You can view recent transactions, submit decisions
internal
add and external
promotional transfers,product
information, manage onconvenient
A pending transfers, andtool
Transactions edit
onand
thedelete
Overview
transactions,
and send and receive
service announcements or secure
a link to scheduled transfers.
page eliminates the need to navigate to
email,
an view alerts,
educational launch
video, suchbill
aspayment
an online multiple locations to features
perform instant
a variety of
The Online Chat tab
and much
tutorial more.
about efficiencies of ACH payment transfer management
messaging, enabling functions. Customers
real-time interaction
and receivables. Quick Launch links allow use this tool to view recent transactions,
between customers and specialists at
A user-friendly look and feel enhances submit decisions on pending transfers, and
your organization.
the online experience. Flexible menu and edit and delete scheduled transfers.
page layout options let you customize the
way information is displayed. You can add
promotional information, product and service The homepage
announcements, or a link to an educational of Business Online offers
quick access to a variety of
real-time transaction
management functions.

A Transactions tab on
the Overview page offers
quick access to a variety
of real-time transaction
management functions.
Immediate Transfers
The Pay or Transfer section on the
homepage offers customers the ability to
make real-time ACH, wire and internal funds
transfers from one convenient location.
User-friendly templates simplify the
transfer process and transfer preview
capabilities enhance accuracy.
Advanced Customer Activity Management
Customers have up-to-the-minute
transaction information through their
online accounts. They can view a recap
of all transfers, a list of recurring transfers
and details about specific transfers.
A dynamic search engine helps retrieve
in-depth information about transactions
even if only a few details are known.
With Activity Manager from Fiserv,
you can view extended account history.
Customers are able to identify search
criteria for transactions, regardless of
where the transactions are warehoused.
File exports are available into accounting
software solutions.
E-Documents and Image Search
Working with your document management
solution, Business Online enables
customers to search and view archived
images in real time. Business Online also
provides a secure channel for the delivery
of e-documents, such as archived
statements, notices, lockbox information
and business agreements.
By accessing the document management
system through Business Online,
customers have 24/7 online access to
items that have been uploaded and filed,
including lockbox information and loan
documentation. This ensures easy access
to information, even in the event of a
natural disaster.
Integrating Notifi
SM
Notifi from Fiserv delivers real-time,
two-way actionable mobile alerts from
multiple systems, including account
processing and online banking, to any
device or system based upon your
customers’ preferences.
Events and alerts occur throughout the
day for businesses – from a point-of-sale
transaction at a local supply store to a
payroll file. Each event or alert represents
an opportunity to engage your business
customer. Those engagements build
stronger relationships, reducing attrition
and increasing profitability.
Cross-Sales Messaging
A customizable banner has the ability
to post promotional messages to
cross-sell other products and services,
helping increase the revenue generated
by your business customers. For example,
you can promote a low interest rate on
small business loans. The banner will appear
upon login and on the homepage. It can
be configured to display automatically
based on calendar dates and times.
A More Secure Online Environment
Flexible Security and Risk Controls
Advanced security options can be
customized for your staff, business
customers and the employees of your
business customers. Permissions set
within the application let you designate
which members of your banking staff
can review, approve and disapprove
file transfers, funds transfers and
stop payments.
In addition, your commercial customers
have the self-service convenience of
managing which functionality each of
their employees has access to. Certain
employees, such as managers, can be
given the ability to approve or disapprove
file and funds transfers, and to review
a history of employee activity at any
time. In addition, new employees can
be set up with limited capabilities,
review requirements, time-of-day
access, password control and more.
 Online Fraud Mitigation
Value-Added Integration
Software-based multifactor authentication
(MFA), the use of a second level of Take advantage of secure integration
customer authentication in addition to the between Business Online and other
standard user ID and password, is one of advanced solutions from Fiserv to develop
the most effective defenses against online your complete online banking strategy.
banking fraud. MFA offers a variety of • Secure email and online chat
methods for verifying customers at login
• Customer support desktop shadowing
and for high-risk transactions, so you can
Fiserv is driving
choose the best solution for your • Extended transaction history and exports
innovation in Payments,
specific needs. • Hardware and software token-based
Processing Services,
Risk & Compliance, When logging in to their online banking multifactor authentication
Customer & Channel accounts using MFA Security Tokens • Enhanced ACH and wire origination
Management and from Fiserv, business customers use and processing
Insights & Optimization. their personal identification number and
• Integration with Notifi
Our solutions help clients a random, one-time password (OTP),
deliver financial services which is generated by a handheld device • E-document management
at the speed of life to or smartphone. The OTP method can • Check image retrieval
enhance the way people also be used to qualify customers to
• Financial account aggregation
live and work today. make high-risk transactions, or during
the approval process, or you can use the • Online bill payment and presentment
Visit fiserv.com
to learn more. challenge-response and digital signature • Remote deposit capture
methods, which employ stronger OTPs.
• Check ordering
A software-based approach to multifactor
• Dashboard reporting
authentication, MFA Device Security from
Fiserv authenticates each customer by • Positive pay
matching the login password with the
computer being used.

Build Profitable Relationships Connect With Us

Business Online is a key component of our For more information about
business banking portfolio. Fiserv offers Business Online, call 800-872-7882,
a comprehensive suite of solutions that email getsolutions@fiserv.com
meets the growing demand for business or visit www.fiserv.com.
banking services while building relationships
and driving revenue.

Fiserv, Inc.
255 Fiserv Drive
Brookfield, WI 53045

800-872-7882
262-879-5322
getsolutions@fiserv.com © 2018 Fiserv, Inc. or its affiliates. All rights reserved. Fiserv is a registered trademark of Fiserv, Inc. Other products referenced in this material may
www.fiserv.com be trademarks or registered trademarks of their respective companies. 148991 05/18