pennApps Bill Pay…

Bill payment through banking channels – made secure and efficient.


pennApps Bill Pay is a complete solution that enables banks to offer a fast and secure way to pay bills through all of their service delivery channels. It offers seamless integration capabilities with built-in connectivity tools that reduce complexity of integration with back-end systems.

pennApps Bill Pay: Bill Payment process made easy.
pennApps Bill Pay is a comprehensive and scalable solution that empowers banks to offer bill pay option through various delivery channels. With pennApps Bill Pay, bank customer can register beneficiaries, make payments, setup standing instructions and view past historical bill payments through any service delivery channel, making it a complete bill payment solution.


Bundled with a wide array of integration features to accelerate the time to market, it leverages the proven connectors to add new billers and to offer bill pay options through various delivery channels quickly, with minimal efforts. Built-in connectivity tools ensure easy and seamless integration with utility companies, companies, financial transaction switches, back-end systems, delivery channels and payment partners.

Banks can also add additional billers or similar payment services with minimal dependence on the vendor as Bill Pay comes with various extendable features. Customer centric flexible licensing model keeps banks at pace with market requirements allowing them to add additional billers and service delivery channels without any cost implication offers true cost optimisation.


  • Billers Definition (Utility Providers/Companies)
  • Services Definition
  • Payment Modes
  • Connectivity Definition

Payment Services

  • Bill Enquiries
  • Bill Payments
  • Payment History

Flexible Reports

  • Dashboards
  • Drill down Reports
  • Reconciliation
  • Biller wise reports

Beneficiary Management

  • Beneficiary Management
  • Standing Orders Management


  • Multi Channel Servicing
  • SOA Based Integration
  • Readily adapters for billers

Product Highlights

A solution that helps bank automate bill payments across the banking channels

pennApps Bill Pay is an enterprise class solution built on an open architecture and that is agnostic to the platform and device.

Meet Market Demands

The readily available proven interfaces and integration tool box enables banks to quickly add new billers and extend the bill pay options to other service delivery channels enabling banks to meet market demands quickly and cost effectively.

Achieve Operational Efficiencies

Extensive audit and tracking capabilities built into the solution ensure smooth reconciliation and quick resolution of any payment issues. Proven interfaces and integration connectors to process several types of external systems and message formats coupled with the robust, scalable and extensible architecture of the solution simplifies implementation and offers reduced TCO.