Integrated Payments & Business Operations
The financial layer of the connected campus: billing, payments, plans, and compliance, simplified into one coherent experience.
Illumia Integrated Payments connects billing, payments, payment plans, compliance, and financial operations into one unified experience. Students and families benefit from simple, flexible ways to manage balances, understand obligations, and make payments with confidence. Administrators gain centralized visibility, operational controls, automated workflows, actionable insights, and dedicated support that simplify campus financial operations. By connecting the people, processes, and data behind campus finance, Illumia helps institutions reduce complexity, improve efficiency, and create better experiences for everyone they serve.
Payment Processing & Core Payments
SmartPay and CampusPay
One secure solution for credit card and ACH processing, with two options to match your institution's needs. SmartPay passes processing fees to payers, eliminating institutional credit card costs. CampusPay lets you absorb the fees, giving students and families a fee-free payment experience. Either way, reconciliation is simplified, chargebacks are handled, and toll-free support is available for students and authorized payers.
ePayment
Your primary online student payment portal. Students can pay by credit card, ACH, campus card, digital wallet, international transfer, or 529 disbursement. Recurring auto-pay keeps students from missing due dates, and User Emulation lets your staff provide remote support without requiring a student to come to the office. Core module of the Student Account Online (SAO) suite.
Payment Plans
Help students manage the growing cost of higher education on their terms. Define your own installment structures, enrollment windows, and eligible populations. Students can self-enroll or be administratively enrolled. Supports auto-pay, installment reminders, and past-due balances so you can reach students before they fall behind.
Point-to-Point Encryption (P2PE)
Industry-standard PCI-compliant in-person credit card encryption for Rapid Checkout, Virtual Terminal, and Cashiering. Significantly reduces your institution's PCI scope and protects student data at every card-present touchpoint.
Billing & Student Financial Tools
eBill
Digital bill presentment that replaces paper mail. eBill delivers static billing statements electronically with automated notifications so students and authorized payers always know when a new statement is available. Provides a comprehensive view of all account information, billing history, and charge details.
Dynamic Bill
Real-time display of account activity between billing cycles, giving students and authorized payers current balance visibility at any time. Tied directly to ePayment for a seamless pay-now experience.
Student Financial Agreement
Electronic presentment and digital signature capture of your institution's financial obligation agreement, presented at student login. Timestamp and IP address are logged, status exports to your ERP, and students can view and print their signed agreement at any time. Legally binding, fully auditable, no paper required.
1098-T
Automate the electronic delivery of 1098-T tax forms through the secure student portal. Students receive, view, and download their forms without picking up the phone. Optional IRS filing and print/mail services reduce labor and mailing costs for the bursar's office.
eCommerce & Auxiliary Revenue
eMarket
A Level 1 PCI-DSS compliant e-commerce platform for non-tuition revenue. Departments create branded online stores without a dedicated payment team. Integrates with Slate, T2 Parking, RezLife, and more. Mobile-first design keeps the purchasing experience simple for students; centralized management keeps it simple for your team.
Rapid Checkout
A modern API and UI for embedding payments into any vendor or custom application. All transactions are stored centrally for easy reconciliation. Tokenization and point-to-point encryption reduce your PCI scope. Supports one-time, recurring, future, and refund transactions.
Virtual Terminal
Accept credit card payments anywhere on campus using a P2PE terminal. No dedicated payment system required. Ideal for departmental payment collection and periodic campus events. All transactions flow through eMarket and are tracked centrally.
Sponsor Payments
A business-to-business payment portal for third-party payers such as employers, foundations, and governments to make bulk payments toward student tuition and fees. Automated reconciliation, streamlined billing, and no manual workarounds for your bursar's office.
Operations & Intelligence
Cashiering
In-person and mail-in payment processing for any charge type: student, departmental, non-student, and visitor. Includes Electronic Departmental Deposits. Integrates with leading ERP, SIS, and financial systems, with centralized tools for dispute resolution, reporting, and messaging.
eRefunds
Faster, more secure refunds for students. Integrated direct deposit gets financial aid and general refunds to students via ACH quickly, reducing your team's reliance on paper checks. The automated Refund Paper Check module handles Title IV requirements for students not enrolled in ACH.
International Payments
One solution for accepting payments from students in 160+ countries, supporting 130+ currencies. No international wire fees. Secure, end-to-end payment tracking and regulatory-compliant processes so international students pay with the same confidence as domestic ones.
Illumia Insights: Payments Analytics
Real-time visibility into your full payment operation. Illumia Insights surfaces transaction data, payment plan trends, late payment analysis, and financial forecasting in one platform. Connect directly to your institution's data warehouse, build your own dashboards in minutes, and monitor trends across multiple years.
529 Plan Integration
Fully integrated educational payments from select 529 college savings plans, reducing friction for families paying with pre-tax education savings. Powered by Ascensus.
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