Financial institutions need to replace the inefficient manual processes that have been a hallmark of the ACH (automatic clearing house) network. At the same time, you have to process consumers' ACH payments daily and protect them from fraud.

The best way to safely automate the growing volumes of ACH payment transfers, ensure quick and efficient ACH payment processing and bolster your financial institution's revenue, is with PEP+® from Fiserv. PEP+ makes ACH payment processing robust, automatic and efficient, with add-on modules that help your institution drive new revenue, retain customers and lower risk.

PEP+ is a high-powered mainframe system that allows your institution to automatically receive and originate electronic payments through the ACH network in a straight-through processing manner. It enables online ACH access so you can improve your customer service capabilities and base version of PEP+ automates ACH edits and interfaces, scheduling and settlement.

PEP+ can be expanded with a comprehensive series of easy-to-integrate modules that let you offer customized ACH processing services to your clients, such as:

  • ACH risk management
  • Automated scheduling and arrival processing with early warning to exceptions
  • Prefunding
  • Electronic payment authorization and ACH positive pay
  • Customer activity reporting
  • Voice response

These modules are designed to create a strong return on your investment by growing your financial institution's revenue, driving customer retention and mitigating risk.


Integrated PEP+ Modules

PEP+ automates almost every step in online ACH payment processing with a robust set of features. Take advantage of these features with seamlessly integrated PEP+ modules, which allow you to offer new value-add services to clients. These include: 

  • PEP+: Exchange: Allows you to expose key functionality to corporate customers and internal groups
  • PEP+: Direct: Enables a unique, integrated user experience through API enablement
  • PEP+: NOC Manager: Automates monitoring, updating and managing NOC alerts for clients
  • PEP+: Early Warning System: Provides an immediate notification when an origination file arrives at your financial institution, which lets you notify customers or members of any errors that could cause the file to fail
  • PEP+: Dual Verification: Protects against fraud and ACH operator error by requiring secondary approvals for file, batch and transaction-level changes
  • PaymentView™ Navigator: ACH Reporting: Offers in-depth trend reporting analysis that enables you to mitigate operational risks



Maximize payment processing efficiencies and meet consumer expectations with our online, real-time solution.


Hosted ACH Processing Services

Get the same functionality with ACH Processing Services from Fiserv, a hosted edition of PEP+ without the technology commitment.

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