What are the Processes

Although EBPP is composed of just four key building blocks--initiating the service, presenting the bill, paying the bill, and serving customer issues--there can be a multitude of permutations of who performs each element. In addition, Billers and others may choose to play more than one of the defined roles. The current EBPP industry has evolved into several models that are helping to clarify these roles.

• Service Initiation:
  Via Biller
  Via Customer Service Provider (CSP)
   
• Presentment:
  Biller Direct
  Third Party Consolidation/Third Party Aggregation
  Customer Consolidation
   
• Payment & Remittance:
  Biller Originated (Debit)
  Customer Originated (Credit)
  Third Party Originated (Both)
   
• How the processes and models Interact:

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