Xpress Bill Pay
Xpress Bill Pay, operated by Xpress Solutions, Inc., is a privately held US online bill payment platform founded in 2005, serving municipalities, utilities, HOAs, property managers, and AR teams via web and iOS consumer and merchant portals across 800,000+ registered users.
- Company typePrivate
- Founded2005
- HeadquartersProvo, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Xpress Bill Pay does
Xpress Bill Pay is a privately held US online bill-payment technology company operated by Xpress Solutions, Inc. and founded in 2005, headquartered in American Fork, Utah. The company serves a B2B2C market by providing web-based and mobile payment infrastructure to billing organizations, primarily municipal governments, water and utility companies, property managers, homeowners associations, condo associations, and accounts-receivable teams; in turn, end consumers of those organizations view eBills and pay through the Xpress Bill Pay platform. The platform reports more than 800,000 registered users and processes payments in real time, with most payments posted to the biller on the same date.
Xpress Bill Pay firmographics
Firmographics- Name
- Xpress Bill Pay
- Legal name
- Xpress Solutions, Inc.
- Website
- https://xpressbillpay.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Xpress Bill Pay, operated by Xpress Solutions, Inc., is a privately held US online bill payment platform founded in 2005, serving municipalities, utilities, HOAs, property managers, and AR teams via web and iOS consumer and merchant portals across 800,000+ registered users.
- Ownership category
- akta.pro rank
Xpress Bill Pay industry classification
Industry- Product category
- Online Bill Payment Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- akta.pro primary industry
- Biller Direct EBPP Platforms (FSAMAJAA)
- akta.pro secondary industries
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Bill Aggregators & Consolidators (FSAMAJAB), Recurring Billing & AutoPay Management (FSAMAJAE)
Keywords
Where Xpress Bill Pay is headquartered
LocationHeadquarters
- HQ city
- Provo
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Xpress Bill Pay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Infrastructure, Personnel, Operations, Marketing or Sales, Supply Chain
Revenue model
- Merchant/Biller Subscription or Transaction Fees: Organizations (cities, utilities, property managers) pay for the service to offer online bill payment to their customers. The company provides virtual terminal, real-time reports, and payment processing capabilities to merchants. Some billing organizations may charge a transaction convenience fee to end customers.
- Consumer Transaction Fees (from billing organizations): While consumers can sign up for free, some billing organizations charge a transaction convenience fee for payments made through the platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Consumer Free Tier |
| Other | Monthly | Merchant/Biller Plans |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
Xpress Bill Pay product offering
Product offeringCore offering
Xpress Bill Pay provides a web-based and mobile online bill payment platform that enables billing organizations (cities, utilities, property managers, HOAs) to accept consumer payments online, by mobile app, or by IVR/phone. End consumers can register free of charge to view eBills, schedule Auto Pay, and pay via credit card, debit card, or electronic funds transfer; merchants receive a virtual terminal, real-time reports, reconciliation, and payment upload to accounting software.
Product overview
Xpress Bill Pay is a web-based online bill payment platform operated by Xpress Solutions, Inc. The platform consists of two core components: a Consumer Portal (web and mobile app) where end-users can view bills, make payments via credit card, debit card, or EFT, set up automatic payments, and access payment history; and a Merchant Portal enabling organizations (municipalities, utilities, HOA, etc.) to present eBills, accept payments, and access real-time reporting and reconciliation. The platform is authorized by billing organizations and provides 24/7 access with automatic payment scheduling capabilities.
Differentiator
Problem solved
Functional benefit
Products and services
- Xpress Bill Pay Consumer Portal
Quantifiable outcome
- 800,000+ registered users on the platform
- +1 more outcomes
Companies that use Xpress Bill Pay
Customer profileNamed customers3 records
Segments6 records
Ideal customer profiles3 records
Xpress Bill Pay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature14 records
Xpress Bill Pay partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Tyler TechnologiescoreTyler Technologies is a major provider of government software solutions. Their logo appears prominently in the partner section, indicating a significant integration partnership for municipal bill payment solutions.
- SpringbrookcoreSpringbrook is a cloud-based ERP and billing software provider for local governments. Partnership enables integrated bill payment functionality for municipal customers.
- Databank Data CenterscoreDatabank Data Centers is a premier hosting provider with redundant infrastructure providing 100% uptime guarantee across 7 state-of-the-art data centers across America. They provide the infrastructure backbone for Xpress Bill Pay's secure payment processing.
Scale indicators1 record
Recent moves6 records
Expansion highlights3 records
Xpress Bill Pay competitors and assessment
Company assessmentDirect peers
- Paymentus: Paymentus is a leading direct competitor - a biller-direct EBPP platform serving utilities, municipalities, and government agencies with real-time processing and the same Auto Pay / reminder / multichannel experience that Xpress Bill Pay offers. Closest public comp in the segment.
- Invoice Cloud (Engageware): Invoice Cloud is a direct EBPP competitor that provides online bill pay for utilities, municipalities, insurance, and HOAs with similar consumer portal, merchant admin, and convenience-fee monetization model to Xpress Bill Pay.
- PayIt: PayIt is a government payments platform serving state and local agencies with online bill pay, tax, and licensing payments - overlapping directly with Xpress Bill Pay's municipal and utility bill pay focus from a digital-government perspective.
- CentralSquare Technologies: CentralSquare provides government ERP and payment solutions to municipalities, including utility billing and online payments, making it a direct competitor to Xpress Bill Pay among city and county billers.
- Kubra: Kubra (formerly KUBRA) provides bill presentment and payment solutions specifically for utilities and municipalities, including paper/electronic billing and a consumer payment portal - a focused direct peer to Xpress Bill Pay in the utility EBPP niche.
- CUSI (Continental Utility Solutions): CUSI provides utility billing software and integrated online bill payment for water, sewer, gas, and electric utilities - a smaller direct competitor targeting the same small and mid-sized municipal utility billers that Xpress Bill Pay serves.
Broad incumbents
- Tyler Technologies: Tyler Technologies is a major public-sector software vendor (and a key Xpress Bill Pay partner through Tyler Payments / NIC) whose gov ERP suite increasingly bundles bill payment capabilities - a broad incumbent competing for the same municipal and utility biller wallet.
- Fiserv: Fiserv is a large diversified fintech providing merchant, banking, and government payment processing (including utility-biller solutions through its Output Solutions and PopMoney assets) - a broad incumbent operating in the same EBPP adjacency.
- Jack Henry & Associates: Jack Henry provides payments, digital banking, and core processing for community banks and credit unions, including bill payment platforms used by financial institution customers - a broad incumbent that overlaps EBPP delivery infrastructure used by billers and their FIs.
- ACI Worldwide: ACI Worldwide operates real-time electronic payment and bill payment infrastructure for banks, billers, and intermediaries globally - a broad incumbent whose government and biller payment services compete with Xpress Bill Pay at the platform layer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Xpress Bill Pay compliance and trust
Trust signalCompliance3 records
Xpress Bill Pay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Xpress Bill Pay leadership team
Management profileNumber of profiles
Xpress Bill Pay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Xpress Bill Pay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Xpress Bill Pay
What does Xpress Bill Pay do?
Xpress Bill Pay provides a web-based and mobile online bill payment platform that enables billing organizations (cities, utilities, property managers, HOAs) to accept consumer payments online, by mobile app, or by IVR/phone. End consumers can register free of charge to view eBills, schedule Auto Pay, and pay via credit card, debit card, or electronic funds transfer; merchants receive a virtual terminal, real-time reports, reconciliation, and payment upload to accounting software.
Is Xpress Bill Pay a public or private company?
Xpress Bill Pay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Xpress Bill Pay founded?
Xpress Bill Pay was founded in 2005. It employs 51 to 100 people.
Where is Xpress Bill Pay based?
Xpress Bill Pay is headquartered in Provo, United States, in the North America region.
How does Xpress Bill Pay make money?
Two revenue lines are on record. Merchant/Biller Subscription or Transaction Fees are the primary driver. The others are consumer Transaction Fees (from billing organizations).
Who are Xpress Bill Pay's main competitors?
Direct peers on record are Paymentus, Invoice Cloud (Engageware), PayIt, CentralSquare Technologies, Kubra and CUSI (Continental Utility Solutions). Broad incumbents are Tyler Technologies, Fiserv, Jack Henry & Associates and ACI Worldwide.
Does Xpress Bill Pay have an API?
No public API is recorded for Xpress Bill Pay.
What industry is Xpress Bill Pay in?
Xpress Bill Pay's product category is Online Bill Payment Software. Its primary akta.pro industry code is FSAMAJAA, Biller Direct EBPP Platforms, with a secondary code of BPAMAFAF, Bill Pay, Invoicing & Payables Platforms. Its NAICS code is 52232.