Compare Bill2Pay vs. EFT/400 in 2026

EFT/400

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Description

Introducing the most all-encompassing platform for bill presentment, payment processing, and customer engagement in the industry. Streamline the payment experience for your clients and your office staff alike. Our system allows for 24/7/365 acceptance of credit/debit and bank account payments via any device, whether it's a phone, smartphone, tablet, or computer. Bill2Pay has been delivering tailored lockbox solutions for more than 25 years. We prioritize investment in cutting-edge technology to ensure maximum efficiency while maintaining high standards of quality and timely processing. Moreover, our fully-digital infrastructure enables us to tailor our processes to meet the specific requirements of each client. With a flawless record in our annual independent SSAE-Type 16 process control audit since we began, we ensure that all exceptions are meticulously examined by two different staff members. Additionally, rigorous validation controls are in place to detect any irregularities, which are then subjected to a secondary review before any processing occurs. Our commitment to excellence and customer satisfaction sets us apart in the market.

Description

Founded in 1984, 3X Software has delivered a variety of support and packaged solutions across numerous industry sectors, collaborating with nearly every type of industry throughout its history. As specialists in IBM midrange systems, we possess significant expertise in Retail systems and Ecommerce. The name 3X Software was inspired by the 34/36/38 systems, which were affectionately referred to as the 3X systems. We are an independent software vendor (ISV) and have maintained a partnership with IBM in development for longer than we can recall. Over the years, we have created our own software packages and provided custom development for most major ERP systems. Our collaboration with leading banks has been instrumental in the development of our native Credit/Debit card processing application, EFT/400, which has been in use for over two decades. Notably, we were the sole provider to develop Chip and Pin software specifically for this platform, facilitating its implementation in various retail environments, from those with 50 locations to those boasting over 650 stores. Our commitment to innovation and customer satisfaction continues to drive our growth and evolution in the tech industry.