Affirmative Technologies | Our Technology , Our Commitment , Your Solutions

Focusing on Emerging Technologies in the Payment Space

Having developed and continually improving upon our payment platform, Affirmative Technologies enables companies to transition from paper based payments and collections to automated processes. Affirmative provides payment solutions for improving operational efficiencies and reducing overall risk, while leveraging the Automated Clearing House (ACH) Network for increasing your funds availability.

Affirmative Technologies is widely recognized as an enterprise solution provider in the payment industry. Our expertise in electronic payments has provided our customers with an open architecture and scalable system; utilizing a payment engine that integrates with other software systems. Our applications also function in stand-alone mode, providing necessary components for initiating a payment instruction to the financial institution or payment processor. All applications are configurable, allowing only those features needed- while offering a flexible payment platform. Our customers benefit by our industry expertise, providing the latest technology in an ever-changing payment landscape.

Protecting your business is our primary concern. The experience and expertise that go into building our applications are more than the tools, policies and process we put in place, but are also the mindset our team has in bringing these factors together as one. You can have confidence in the knowledge your payment applications are being monitored and safeguarded with extreme vigilance. Effective security requires that we’re always one step ahead. Something you would expect from a leading technology provider to the electronic payment industry since 1998.

Business Services

Assisting corporate clients and billers with a full suite of web based payment processing and origination solutions. Affirmative’s ACH payment solutions can streamline and expedite your accounts receivable and overall collection cycle, while maintaining a secure hosted environment for your overall payment needs.

+	Payment channels include WEB, POS, TEL, IVR
+	One Time and Recurring payments
+	Web Services- API for integrating with customer’s front end payment repository
+	NSF Check/Debt Recovery Platform
+	Remote Deposit Capture- Check 21, BOC and ARC processing
+	Gateway Services – Virtual Terminal

Banking Services

Delivering ACH origination and processing software in a secure hosted environment that can be fully branded and marketed to your commercial account holders. The back end settlement and processing engine optimizes operational efficiencies and allows the bank to mitigate ACH risk exposure for any of your Originators and Third Party Processors.
+	ACH Risk Management
+	ACH File Monitor Tools
+	ACH Return Management
+	Return Item Processing
+	Statistical Return Reporting
+	NSF/Merchant Recovery Portal

Third Party Service Provider

Enterprise software licensed by third party payment processors and check recovery specialists. The application is highly scalable, providing your customers a front end payment portal to your ACH settlement and processing engine.

+	Multi- merchant ACH payment solutions
+	Web Services API Included
+	ODFI Partners Available
+	Comprehensive Returns Management Functionality
+	Extensive Web Reporting Tools
+	Enterprise Check Recovery Software