Through our team dedicated to government clients, Fiserv empowers public agencies from the smallest municipalities to the federal government to lower payment costs, secure their transactions and improve back office efficiency through a suite of merchant and payment solutions. In addition, our wide range of security solutions completely remove valuable data from payment environments to reduce the scope of PCI compliance and maintain the trust of your constituents.


Fiserv’s core merchant processing services include:

Full-Service Credit Card Processing Services

Fiserv will work with you to optimize your payment environment. We continue to be a leader in payments processing, leading the industry in credit card processing, debit for e-commerce, ACH processing, currency solutions, e-payments, and so much more. We authorize and settle transactions for Visa, Mastercard, American Express, Discover, Diners Club, all Electronic Benefits Transfer (EBT) networks, and all debit networks. We also support Apple Pay, Google Pay, Samsung Pay, Amazon Pay, PayPal, and PayPal Credit. Whether collecting or refunding taxes, license fees, tuition, unemployment, etc we have a payment solution.

Money Network® Card Program Services:

Electronic Payroll Delivery Service

Streamline public sector wage payments and reduce administrative costs while providing employees with a payroll solution that helps them easily manage their finances and incudes the Money Network Card, Money Network Checks and an innovative mobile app with extensive features designed to help access and manage finances and save for future needs.

Reloadable Prepaid Cards

Multi-purpose prepaid cards designed to meet a vast set of public sector needs for ongoing disbursements to individuals, to include Unemployment Insurance, Child Support, Financial Aid, Disaster Relief, Housing Assistance, Utilities Assistance and more. Money Network’s prepaid card, checks and mobile app provide recipients with more ways to access and spend their funds as needed, all while minimizing costs to them and allowing for highly secure and speedy receipt of funds.

Single Load Prepaid Cards

For instances where one-time distributions are appropriate, Money Network offers’ single load prepaid cards, which enable public sector agencies to rapidly distribute funds in response to urgent needs in its communities.

Unique Government Payment Options

1. Managed Convenience Fees for Credit Cards

We offer comprehensive guidance and ongoing support of compliant procedures for the assessing and processing of managed convenience fees. Our team will do a custom rate review on your behalf as a part of the cost analyses. The managed convenience fee is an all-inclusive cost outside of devices that is covered by a fee percentage. If implemented, the public agency will not incur gateway fees, transaction fees, or interchange and assessment fees charged by the card brands.

2. Government Interchange Programs for Credit Cards

Fiserv participates in the Visa Government and Education Payment Program. Through this program, we will register qualifying agencies to ultimately be allowed to assess variable service fees and rate programs in the card-present and card-not-present environments resulting in significant savings on card processing to public agencies.

3. ACH and e-Check Processing

TeleCheck services allow you to accept ACH payments with less risk and a higher level of protection against fraudulent and returned checks. TeleCheck uses leading risk assessment technology and extensive check writer negative and activity databases to evaluate the risk of accepting a check. Our database contains data on 98 percent of all point of sale (POS) check writers and is the largest in the industry, resulting in the highest acceptance rate in the industry. Using leading risk assessment technology and the nation’s most complete database of check-writer history, TeleCheck evaluates and advises whether to accept or decline a transaction so you can close a sale instantly. With warranty service option, you are protected against bad check losses—giving you peace of mind.

4. Security

Our experience with Government and Education offers a wide range of security measures that will protect you from the damage of a security breach while helping you meet PCI compliance standards. We support end-to-end encryption and tokenization with multi-pay tokens. With our encryption and tokenization tools, your data is protected inflight and at rest, providing protection for your customers and significantly reducing your PCI scope.

5. Fraud

Our Fraud Detect solution, a loss prevention platform for e-commerce, is an integrated, intuitive, cutting edge fraud detection and analytics tool that can address total loss prevention needs for payment and non-payment fraud. Powered by machine learning models, Fraud Detect helps detect more fraud than conventional rules based e-commerce fraud solutions and enables public agencies to save time and thousands of dollars in potential losses.

Innovative Point of Sale (POS) Systems

Fiserv Hardware Services provides the latest POS devices to assist your pursuit of PCI compliance while offering your customers the most complete and secure payment options available today. With a full complement of PCI-certified and EMV-enabled devices, Fiserv enables public agencies to accept payments securely, reliably and effectively without the hassles and costs of PCI non-compliance. Clover is the smart, customized POS management system that makes every aspect of business easier. Public agencies are empowered with the latest technologies, prepared for the future and ready to harness the power of data in one device. Public agencies get the power of Clover security and Clover grants instant access to a growing app marketplace filled with dozens of powerful tools to empower businesses.

Terminals and Compatible gateways

Fiserv owns and maintains multiple terminals and gateways and there are hundreds of third-party gateways that are certified to our processing platforms. We offer agencies basic and advanced gateway solutions that support many common features and functionality critical to success.

Interactive Voice Response (IVR)) is computer technology that replaces human interaction within call centers. IVR offers automated secured payment by phone and Interactive Web Response (IWR) offers automated secure payment by the web. Government phone systems can offer voice prompts that route calls to an IVR or IWR system that would otherwise be handled by live customer service operators. IVR and IWR systems can handle significant loads of calls that would otherwise require enormous staffing to accomplish what an IVR or IWR system can handle. Offering secure telephone and internet payment solutions can significantly reduce workload while at the same time improve cash flow.

The integration of modern payment gateway technologies allows credit card and ACH (eCheck) transactions to be accepted and processed using the IVR technology. This integration of technologies enables a business or organization to accept receivables in an automated fashion, without human interaction. Almost any government agency that accepts payments can benefit from a secure IVR automated phone payment system.

Payment Kiosks

Fiserv provides highly secure payment kiosks that will provide customers more convenient options to pay in person on their schedule. With several indoor and outdoor kiosk models, agencies can offer customer 24/7 service for cash, check, and credit card payments. One-stop kiosks allow utilities and government agencies with overlapping customers to add payment applications to the same machine — like for power, water, parking tickets, taxes, and other public services. On average, 60% of walk-in kiosk payments are made in cash.

Municipal and Utility Billing Services

For more than 35 years, Output Solutions from Fiserv has been providing and delivering (in print or digital) high-volume business communication solutions in standard and custom formats to multiple industries including government entities, financial services, healthcare, utilities, insurance, lending, retail, travel and leisure and more. We bring together the core paper and digital competencies to meet any public agency’s requirements for document composition, printing, mailing, digital document delivery and archive services.

More than just a paper and digital communications partner, Fiserv offers end-to-end billing and payment solutions. From a single data feed, we prepare the data for the creation of bills, including messaging; present the documents in paper or digital formats based on public agency’s customer preference; and allow their customers to pay with the broadest array of pay types and channels, while we protect and safeguard public agency’s data with highest security and compliance. Fiserv can manage the entire document communication life cycle providing vendor management efficiencies, cost reductions, integrated print, mail, archive, presentment and messaging for public agencies regardless of the document delivery method.

Choosing Fiserv as the single-source partner provides consistent messaging whether in print or digital, all coming from one data stream. From a single data feed, Fiserv can help a public agency:

• Prepare the data for the creation of bills and include personalized messages

• Present the bills in printed and digital formats to distribute through mail, biller direct and bank channels

• Enable public agencies’ customer to pay using the channels they prefer

• Protect and safeguard public agencies’ customer data with highest security and compliance

We can also help public agencies influence their customers to transition from paper to digital with actionable insights and other methods. We perform data processing, document composition, printing and insertion all in-house with Fiserv-owned equipment and facilities. We provide our clients with our proprietary web client portal to help our clients maintain visibility and control of the production process.

In Addition, Fiserv also provides the following services:


Fiserv is one of the largest USPS® First-Class mailers in the country, mailing more than 3.5 billion mail sets a year. We have multiple production facilities across the country with built-in redundancies and load-balancing capabilities. Public agencies can benefit from our ZIP sorting capabilities where we commingle mail and sort to the highest five-digit percentage to achieve lowest possible postage possible per mail piece.

Direct Marketing

Fiserv is your single resource for results-driven direct marketing campaigns, one-to-one communications, loyalty programs and lead generation strategies that deliver superior return on investment.

Strategic and creative services: Connect with the right audience, with the right message or offer, at the right time using our marketing strategists and creative team to make your message stand out and drive results

Commercial Printing: Choose high-color and top-quality commercial digital and lithographic printing, bindery and finishing services tailored to your unique requirements

In-House Design Services

Public agencies can leverage our readily available in-house design services to ensure documents stand out in the mailbox and the inbox based on industry best practices. Our design team and copywriters are direct marketing experts who know how to present compelling messages to public agency’s customers that drive successful outcomes and actions. Our composition expertise is valuable for creating documents that drive reader’s attention to targeted areas for maximum understanding and better results, drawing attention using color graphics, images and infographics. Additionally, Fiserv has a Strategic Solutions team who can assist with public agency campaigns by leveraging our experience in engaging and persuading customers to abandon undesirable behaviors and to adopt those behaviors desired by the public agency.

eBill Distribution with eBill Easy Activation

We are the direct provider of the service that connects public agency’s customers with the nation’s largest online bill pay and paperless electronic bill delivery network comprised of more than 4,000 financial institutions, from the largest national banks to local community credit unions.

With eBill Easy Activation, public agency’s customers can “try before they buy” with both paper and electronic versions of their bills for a specific period of time.

BillMatrix® Payment Solution

With BillMatrix Payment Solutions from Fiserv,a public agency will introduce their customers to a powerful online user experience that features intuitive navigation and flexible payment types (credit, debit, and ACH) across multiple channels (Web, IVR, CSR, Mobile).

Mobile Bill Presentment

Our mobile wallet feature allows public agency’s customers to add their bill to their smartphone wallet (Apple and Android), receive bill notifications and the option to pay using supported payment types.

CheckFreePay® Walk-In

CheckFreePay Walk-in Payments from Fiserv is a complete walk-in payment solution. CheckFreePay offers an innovative solution to enable public agency customers to pay in-person with their preferred payment method at any of CheckFreePay’s 30 thousand payment locations across the country. Overall cash remains the most frequent method of payment in the United States representing 30 percent of all payment transactions. For utility bills, an average of 89% of walk-in payments are made in cash.

Fiserv will deliver a walk-in solution that meets core payment requirements:

• Highly convenient and accessible with most locations open seven days per week

• Efficient and accurate payment processing

• Payment transfers that deliver funds within 48 hours

• Real-time access to payment transaction information

Contract Info

Awarded Vendor:

Contract Awarded:
11-47 - Merchant Processing Services
11-53 - Municipal and Utility Billing Services

Lead Agency: 
Region 14 ESC

Contract Term:
3 year term, August 24, 2020 to August 31, 2023
*Option to renew for two (2) additional one (1) year periods.

3 year term, December 8, 2020 to December 31, 2023
*Option to renew for two (2) additional one (1) year periods.

Due Diligence


Request for Proposal:
RFP for Merchant Processing Services

Awarded Vendor Response:
Fiserv's Response to RFP

Bid Tab & Request for RFP List

Award Letter:
Region 14 Award Letter

USA Today Ad 1
USA Today Ad 2
NCPA Website Ad


Request for Proposal:
RFP for Municipal and Utility Billing Services

Awarded Vendor Response:
Fiserv's Response to RFP

Bid Tab & Request for RFP List

Award Letter:
Region 14 Award Letter

USA Today Ad 1
USA Today Ad 2
NCPA Website Ad

Vendor Contact

Nicolas Maggio
(916) 740-0661