BEST-IN-CLASS Capabilities


Use advanced risk-scoring technology to facilitate responsible overdraft limit-setting practices with SmarterPayTM from Fiserv.


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    Make decisions using a patented risk-scoring methodology, balance risk through a daily account-level calculation and predict the trends that lead to charge-off with your customer accounts and enable you to take action.

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    Configure rules and parameters to enable differentiated treatment down to product and account levels, including new account strategies, minimum and maximum limit ranges, and differential limits by delivery channel.

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    Monitor excessive overdrafts and performance with in-depth daily reporting and consultative support to monitor excessive overdrafts, charge-offs and performance anomalies, including account-level analysis.

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    Access SmarterPay through ASP or licensed to your institution for on-premises or hosted deployments while accessing seamless integration with numerous core processing solutions.

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    Leverage a broad data management and analytics infrastructure that enables key deposit account use cases, including managing refund amounts (Refund Advisor), monitoring and remediating accounts with excessive overdraft activity (XOD).

Technology to inform better decisions


Mitigate risk and better monitor risk-related trends with advanced risk scoring.


Improve customer service by customizing experiences at the account level.


Better understand account and program performance through detailed reporting.


Increase speed to market with flexible hosting and easy integration.


Optimize costs, enhance decision making and improve risk management.

Tools to empower young accounts

Provide overdraft limits to the young account segment while reducing risk of deposit charge‑offs.


Ready to get started?

Contact us to find out more