SCI's Integrated Electronic Payment Solution (IEPS) allows merchant and consumer member virtual wallet accounts to be accessed and used in real time. These "virtual wallet accounts" allow members to deposit, withdraw, and transfer funds to any entity, regardless of size (individual or corporation), that employs SCI's IEPS solution. This solution allows any merchant or member to send and receive online payments securely, conveniently, and cost effectively.

1. Stored Value Card (SVC) Capability – An integrated card and account payment mechanism that leverages existing POS and ATM infrastructures and delivers beyond simple purchases and/or cash withdrawals. SVCs usually benefit underserved customers that are associated with payroll/benefit programs, money remittance services, bill payment (money orders) needs, and personal finance programs.
   
   
2. eCommerce Payment - Online Payments, SCI's core business, is greatly enhanced as members mitigate their risk of operating in the more profitable, higher risk assessed ecommerce business sector by doing business with the SCI solution. Because of this increased risk, banks and other payment service providers routinely and increasingly avoid these services, particularly in the US, which, consequently, involves missed opportunities.
   
   
3. Personal Lending – SCI's customer profile focused approach allows the expansion of personal lending services to deliver financial security to working class and lower income consumers. By partnering with employers and employment agencies, consumers living from payday to payday can bypass the high service fee structures often associated with other local service providers.
   
   
4. Person-2-Person (P2P) Payment Enrichment - The person-to-person payments business is a key area in SCI’s IEPS solution as it serves the global money remittance business and is compatible with and facilitates fund transfers for any financial institution. The SCI solution delivers automated money transfers and payment services without physical investment (as Western Union does). The SCI solution economically benefits the underserved customer base in developing countries that doesn’t have traditional bank accounts and/or a credit/debit card. The inexpensive fee structure and automated conveniences associated with money transfer, payment, lending, and check cashing, which Western Union™, MoneyGram™, and American Cashing™ are not delivering today, will further benefit consumers as well as service delivery channels.
   
   
5. Person-2-Business (P2B) Payment Enhancement – Paying utility bills and other government service fees through the usage of SVCs or an electronic wallet is economical, convenient, and effective. It serves as the most cost effective method of bill collection for billers and consumers.
   
   
6. Funds Settlement – - This service leverages Automated Clearing House (ACH) standards and transaction payment mechanisms to settle funds movement among financial institutions for consumers, merchants, government, and business entities. SCI also provides a programming interface to establish a customized connection with financial institutions to achieve funds settlement.
   
   
7. Mobile Payments – For small dollar amounts where credit card fees are not convenient, economical, or user friendly. Convenience of a reloadable feature for domestic or international calling and the ability to make wireless Person-2-Person (P2P) or Person-2-Business (P2B) transactions for purchase and service payments as well as the receipt of information via SMS delivery.
   
   
8. Business to Business (B2B) - Transferring money for goods or services between businesses.
   
   
9. Fraud Management - State of the art, configurable fraud matrix that operates in real-time to dramatically reduce the possibilities of financial mishaps, intentional or not. Includes both linear and neural network-based fraud patterning capabilities to increase protection for customers, clients, and partners.