Communications of the acm

60
June 2007/Vol. 50, No. 6
COMMUNICATIONS OF THE ACM
Cotteleer table 2 (6/07)
Product Attributes
Offers direct savings over check processing?
Facilitates reconciliation and dispute management?
Provides global coverage?
Improves control over payment timing and cash flow?
Increases visibility of cash requirements?
Reduces fraud and credit loss potential?
Possesses remittance data?
Offers low implementation costs?
Integrates data and payment information?
Offers a flexible fee schedule?
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
X
X
X
X
X
X
A
C
H
-B
as
ed
P
la
tfo
rm
X
X
X
X
X
X
X
X
X
E
n
h
an
ce
d
P
-C
ar
d
X
X
X
X
X
X
X
X
X
X
O
p
en
N
et
w
o
rk
S
ys
te
m
Cotteleer table 2 (6/07)
E-Payment
Technology
Medium to
High Value
Recurring or
Non-Recurring
Global Network
Low to
Medium Value
Recurring 
Domestic Network
Low Value
Non-Recurring
Domestic Network
(limited global capabilities)
Open 
Network
ACH-Based
Platform
Enhanced
P-Card
Typical 
Transaction
Value
Typical 
Transaction
Frequency
Reach
Table 1. E-payment
technologies and 
associated product
attributes. 
Table 2. Optimal e-payment 
application. 

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