SOLUTION

Remote Deposit Capture

Skip the trip to the bank.

iStream’s Remote Deposit Capture (RDC) solution helps organizations digitize check deposits and streamline receivables without disrupting existing banking relationships.

Modern check processing, without the complexity.

Our RDC solution transforms paper checks into digital deposits while preserving the data and controls finance teams need, reducing delays, improving accuracy, and simplifying reconciliation.

Why RDC and iStream?

• Designed for businesses, financial institutions, and platforms handling high check volumes.
• iStream was one of the early pioneers in Remote Deposit Capture (RDC) following the passage of the Check 21 Act.
• Our solution works alongside your existing systems and banking relationships, focusing on integration, automation, and process improvement.

Whether you’re modernizing a legacy workflow or supporting a dynamic volume of check payments, iStream provides a practical path forward.

Let’s talk about your RDC needs

Every check workflow is different. If you’re looking to improve deposit speed, reduce manual effort, or modernize how checks move through your organization, iStream can help.

Contact us today to discuss Remote Deposit Capture with iStream and schedule a free demo.

SOLUTION

Bank Processing

Secure, accurate file movement between businesses, financial institutions, and core banking environments.

Overview

iStream supports the secure movement of payment files between businesses, financial institutions, and core banking systems. Our integration layer automates file transfers, normalizes data formats, and validates incoming and outgoing payment information, ensuring that every file arrives clean, consistent, and ready for processing.

Built to work alongside your existing core, iStream enhances ACH, check, and card-related workflows with flexible mapping, efficient exception handling, and scalable infrastructure capable of supporting high-volume environments.

Key Features

SOLUTION

Account Validation

Our account validation solution helps businesses verify bank account information in real-time, reducing returns, preventing fraud, and maintaining compliance with NACHA regulations.

Validate with confidence, all before a single transaction is processed.

Why ACH Account Validation Matters

ACH payments are fast and cost-effective, but they don’t provide instant feedback like credit card networks. Without validation, invalid or closed accounts can lead to failed transactions, lost time, and unnecessary costs.

NACHA rules require all first-time WEB-authorized transactions be validated by a commercially reasonable method. iStream helps you confirm that bank accounts are active and accurate before money moves, protecting your business and your customers.

Our Recommendation

For optimal protection and performance, iStream recommends using a hybrid approach, combining instant validation with micro-deposit or linked account methods. This ensures accuracy for every transaction type while keeping operations efficient and scalable.

Simplify Validation

Whether you process payments through iStream or another provider, our validation tools help you move funds confidently and securely.

Protect your business from risk and ensure every transaction starts with trust.

Contact us today for a free personalized consultation.

SOLUTION

ACH Processing

ACH processing from iStream Financial Services is designed to provide a low-cost and efficient option when it comes to payment processing.

View ACH Product Sheet

ACH Origination & Receipt

Initiate and receive ACH payments through multiple pathways, including back office, file-based, API, or integrated solutions. With options to configure disbursement workflows, iStream adapts to your unique business requirements.

Delayed Clearing & Controlled Disbursements

For businesses managing financial risk, iStream offers delayed disbursement options. Funds are only released after credit transactions have cleared and are considered good funds, protecting your organization while maintaining smooth operations.

Why Choose iStream for ACH?

• Reliable processing with 99.999% uptime
• Multiple clearing options: standard, same-day, ACH 180
• Advanced sub-accounting and split settlement capabilities
• Real-time return management and reporting
• Secure, compliant account validation
• Flexible integration: API, virtual terminal, or file-based

SOLUTION

Insurance Premium Aggregation (IPA)

Seamless collection and remittance of insurance premiums.

Automate Premium Funding for Voluntary Benefits Through Payroll, ACH, or Credit Card

Voluntary benefits should be simple for employees and seamless for carriers. But under traditional models, employers are saddled with unnecessary responsibilities:

• Selecting brokers/agents
• Managing invoices
• Withholding premiums through payroll
• Remitting payments to carriers on time

This approach creates delays, errors, and often puts both coverage and cash flow at risk.

How iStream IPA Works

The iStream Insurance Premium Aggregation (IPA) solution automates premium funding and removes the burden from employers, without adding complexity for employees.

1. Employees add a secondary payroll disbursement using a secure U.S. banking account number provided by iStream.
2. Each payroll cycle, the specified contribution amount is automatically directed into the IPA account.
3. Alternatively, payments can also be funded via ACH or credit card.
4. iStream then splits the lump sum into the correct amounts for each provider and remits funds (with all supporting data) directly to carriers on a predetermined schedule.

For the employee, it feels identical to traditional payroll deductions. For the carrier, it means predictable, accurate, and on-time premium payments every month

The iStream Advantage

✅ Hands-off for employers: No more invoices, collections, or remittance headaches.

✅ Portability for employees: The process moves with them across employers, reducing lapses in coverage.

✅ Reliability for carriers: No late or underpayments, no cash-flow diversion.

✅ Efficiency for finance teams: Treasury management and accounts receivable are simplified with automated, timely disbursements.

The Result

Gone are the days of manual collections, missed payments, and administrative burden. With IPA, premiums are funded, split, and remitted automatically, ensuring continuity of coverage and confidence for all stakeholders.

Contact us today to learn how our IPA solution can benefit your organization.

SOLUTION

Individual Coverage Health Reimbursement Arrangement

The ICHRA premium reimbursement solution from iStream enables employers to fund premium payments directly, just like with traditional group plans.

Employees don’t have to pay upfront, and employers keep administration simple, secure, and compliant.

View ICHRA Product Sheet

Modernize Premium Reimbursements Without the Hassle

ICHRAs give employees the freedom to choose individual health insurance plans while employers continue to contribute. But there’s one big drawback: in many ICHRA programs, employees must pay premiums upfront and then wait for reimbursement—putting unnecessary strain on cash flow.

The Challenge with ICHRA Premiums

With traditional group coverage, premiums are paid up front by the employer, and employees simply have their portion withheld through payroll.

For example:

• Family premium: $1,000/month
• Employer pays 50%: $500
• Employee pays 50%: $500, withheld as $250 per paycheck (semi-monthly)

Employees never have to pay the full premium themselves.

With ICHRA, it’s different. Employees must pay the entire $1,000 premium upfront to the carrier, while still having $500 withheld from their paychecks for the prior group coverage month. That’s a 200% financial hit in the first month, a burden many households can’t manage.

📘 Featured Resource:
Why ICHRA Administrators Choose iStream for Premium Payment Processing

How iStream Solves it

The iStream ICHRA Solution eliminates this cash-flow problem by aligning ICHRA payments with the familiar group plan model:

• Employers fund accounts directly, covering both their share and the employee’s share (as a wage advance).
• Carriers debit premiums monthly from these accounts.
• Employees’ share is recouped gradually through payroll deductions, just like before.

The result? Employees avoid the upfront shock, employers maintain their normal cash-flow rhythm, and everyone benefits from a seamless transition to ICHRA.

Contact us today to learn how our ICHRA solution can benefit your organization.

SOLUTION

Credit Card Processing & Merchant Services

Credit Card Processing and Merchant Services from iStream are designed to meet the payment needs of organizations both large and small.

Download Sales Sheet

The merchant boarding and account management has been streamlined allowing one entry for multiple payment options. The Merchant Services Team at iStream has deep card industry knowledge of card network rules, regulations and cost structures to ensure the best match of merchant and processor.

iStream prides itself on being able to provide the integration and customizations required to meet the unique and specific needs of merchants while providing first class sales and technical support. Merchant Processing combined with the features and functionality available from the iStream Payments Platform make iStream the best choice for all your processing needs, no matter how simple or complex they may be.

SOLUTION

Risk Management

The iStream Risk Management Solution, iStream RMS™, is a tool to monitor trends, risk, and financial exposure by evaluating the transactions in business regions, stores and customers.

Download iStream RMS™ Sales Sheet

iStreamRMS was originally designed to demonstrate the monitoring of Remote Deposit Capture (RDC) payments for regulatory examinations (i.e. FFIEC). As the solution evolved, the scope of impact moved to encompass other payment types such as Automated Clearing House (ACH).

iStream RMS facilitates the ability to review activity at both the summary and detail levels (velocity, duplicate returns, etc.), track customer trends and observe return activity. iStreamRMS works with both the iStream Deposit® solution as well as other RDC solutions from other vendors.

SOLUTIOn

Check Return / ACH Return Processing

iReturn™ Check Return / ACH Return Processing is the online, paperless return management system from iStream.

Download iReturn Sales Sheet

As a FedReceipt for Returns approved organization, iStream has automated the often-cumbersome returns process. By eliminating the need for paper returns and automating resubmission, iReturn streamlines the process, speeding up time to collection.

The returns process is enhanced due to features such as:

Instant Notification System

Communication is critical when it comes to a potential issue with deposit(s). The iStream platform leverages a real-time, instant notification system with several options to notify you of events such as returned items. Each time a user logs into the iStream platform, if there has been a notification, they will see a notification as such.

Additionally, e-mail notification is also an option for clients to receive alerts related to item(s) needing to be processed.

Dynamic Image Search & Reporting Capabilities

iReturn incorporates robust capabilities that allows a user to query the entire system for any item processed in the past seven years. The platform allows a user to view an original check image, the returned check image as well as any notes or additional data related to the return item. These options often prove to be invaluable tools to the individuals tasked with researching items processed in the past.

Ability To Print, Resubmit & View Returns

Locating return items is often only half of the process. Once the items have been located, iReturn also provides the tools necessary to speed up resubmission and communicate information about the returns in the system. With capabilities to print both the original and the returned image, resubmit a deposit with the click of the mouse or move the item(s) to a different area for collections or other actions, you have everything you need to work returns in a rapid and efficient manner.

Auto Resubmit

iReturn provides the capability for users to set up returns for auto resubmission. Once this parameter is set, the system will automatically resubmit all eligible check items for a second time, automatically. Removed are the requirements to individually select items and manually resubmit, the system automates the entire process.

Ability To Add Notes Regarding Returned Item

If the need arises to append additional information or notes related to a situation and the associated items, the iStream platform offers integrated note functionality.

This allows for proper documentation and notification to other users of the system, providing a consistent view of the history and circumstances surrounding each specific item.

View Original And Returned Images On A Single Screen

iReturn matches the original scanned item with the returned image received. Should any data be illegible on the returned check image, a view of the clean original grayscale image captured is provided for clarity. The system is able to provide this functionality due to the fact that the solution captures images in multiple formats at the onset of the transaction, so as to reduce any image quality issues later in the process.

Increased Ability To Collect Funds

Since both notification and resubmission can be automated, the need to wait for paper return via postal mail is eliminated. As soon as the return is posted (often in as little as 48 hours), the item details can be reviewed and appropriate action to collect can begin.

SOLUTION

Direct Benefit Deposit

iDirect Deposit™ (iDD) is the iStream solution for Financial Service Centers that enables the unbanked/underbanked to receive direct deposit payments at a secure location, such as a check cashing outlet or financial service center.

Download iDirect Deposit™ Sales Sheet

iDirect Deposit™  allows the unbanked/underbanked a solution to not only to receive their payments more rapidly when compared to receiving a check in the mail, but to also take care of other financial related transactions at the same time.

iDD was designed to provide the unbanked/underbanked population a choice when it comes to providing them options for how and when they want to receive government, state (where available) and payroll payments. They are no longer constrained to the antiquated process of having to wait for a check to arrive in the mail or being forced to have funds loaded onto a prepaid card/program.

An additional benefit of iDD is that the service is provided on a fixed fee basis, in a FDIC insured account. This is far more favorable to the consumer when compared to the variable fee structure and lack of insurance that typically is associated with pre-paid card options.

This program effectively allows a Financial Service Center to offer a program that truly differentiates them from the competition, while still being able to offer their core services.

To participate in the program, a financial service center must be underwritten by iStream to become a participant in the program.

Upon obtaining successful underwriting status, the financial service center can begin offering the iDD program to customers. The process is simple, an interested customer is enrolled online by a Customer Service Representative of the Financial Service Center (FSC).

There are three basic requirements: the completion and signature of an application, providing a primary ID as well as a secondary ID to confirm proper and positive identification.

Upon successful application and identification validation, iStream enrolls the recipient in the respective federal or state (where available) program or provides the recipient with the account information necessary to provide an employer with the details required facilitate direct deposit of payroll.

Once a payment has become available for a recipient, a check is created at the secure location that then in turn be cashed and other financial transactions be facilitated.