CyberSource vs Fiserv eBill Distribution (Biller Direct)

• They have built the connections to multiple card providers so that a retailer does not need to build the code for each one separately.
• The decision manager product catches and stops a lot of fraud from getting through and causing a large number or chargebacks.
• They also connect to PayPal making it easy to add them to any website as a payment method.

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• The application is very user-friendly.
• Easy set up, and integration.

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• fees- competitive, but budget for them
• price transparency- it's hard to know exactly what you're being charged for. We are charged a small % of each incoming payment batch, so AR reconciliation is more difficult
• implementation- significant time and expertise required to get everything up and running smoothly

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• Limitations on reporting/monitoring capabilities.

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• It has streamlined credit card processing for the whole organization
• Provides all the info we need to locate specific transactions and address issues accordingly

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• The application has assisted with eliminating the need for over half of our payments received to be processed manaully..
• The application has also assisted with eliminating wasted costs on paper and mailing resources.

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