Overview
Bank bill pay, built for your merchants
Customer Initiated Entries (CIE) enable the type of online bill pay where payers initiate payments through their bank's bill pay portal. Your merchants appear in the bank's recipient dropdown, allowing their customers to pay directly from their bank account without visiting the merchant's website.
This is especially valuable for verticals like taxes and utilities, where payers are accustomed to initiating payments through their bank rather than through the merchant. CIE gives your merchants a presence in the bill pay ecosystem that drives consistent, low-cost payment volume.
dhango handles the NACHA compliance requirements for CIE transactions and manages the entry classification, authorization records, and audit trails — so your platform gets the benefit of bank bill pay without the regulatory complexity.
Benefits
Why customer initiated entries matter
Lower Processing Costs
ACH transactions cost a fraction of card payments, improving net margins for you and your merchants.
Bank Bill Pay Presence
Your merchants appear in the bank's recipient dropdown, so payers can find and pay them through their existing bank bill pay portal.
NACHA Compliant
Authorization, entry classification, and audit trails are handled automatically to meet NACHA requirements.
Float Monetization
Monetize the float on funds in transit, creating an additional revenue stream for your platform.
Ideal for Taxes & Utilities
Perfect for verticals where payers are accustomed to initiating payments through their bank rather than visiting a merchant website.
Proper Authorization
Built-in authorization workflows ensure every customer initiated entry has proper consent documentation.