# Online Resources

> Online Resources Corporation was a US financial technology supplier of bank-branded digital banking, electronic bill presentment and payment, and online collections services. Its proprietary gateway connected banks to billers. ACI Worldwide acquired the company in March 2013; the profile describes its independent-era business and subsequent corporate lineage.

- **Founded:** 1989
- **Headquarters:** Chantilly, United States
- **Founders:** Matthew P. Lawlor (Co-founder; chairman and CEO, 1989-2009)
- **Products:** Architect digital banking, Advantage online banking, Electronic bill presentment and payment, Virtual Collection Agent, Consumer marketing and professional services
- **Notable:** Processed over 245 million bill payment transactions annually by the January 2013 acquisition announcement., Connected more than 9,000 billers at the January 2013 acquisition announcement., Demonstrated Virtual Collection Agent at the inaugural Finovate event in 2007.

## Products & services

- **Architect digital banking** — Extensible online banking platform selected by First American Bank in November 2012, supporting customization and integration with account opening, personal financial management, marketing and bill payment. Date is a documented customer announcement, not the original launch.
- **Advantage online banking** — Hosted consumer online banking offering documented in the independent-era product portfolio; an alternative to Architect’s more customizable deployment model.
- **Electronic bill presentment and payment** — Bank and biller payment processing, electronic billing and web/phone payment services through a proprietary gateway; documented as an acquisition capability in 2013.
- **Virtual Collection Agent** — Web-based self-service collections tool offering creditor-defined payment plans and settlements. Demonstrated at Finovate in 2007; version 5.0 announced February 27, 2013.
- **Consumer marketing and professional services** — Programs to encourage digital-service adoption, plus application implementation, enhancement and maintenance.
- **ScreenPhone** — Early home-banking telephone with a built-in display; archived in the co-founder’s biography. Historical product, not presented as currently available.

## Achievements

- Processed over 245 million bill payment transactions annually by the January 2013 acquisition announcement.
- Connected more than 9,000 billers at the January 2013 acquisition announcement.
- Demonstrated Virtual Collection Agent at the inaugural Finovate event in 2007.
- Expanded its bill payment business by acquiring Princeton eCom in July 2006.
- Acquired by ACI Worldwide on March 11, 2013.

## Latest updates

- **2016-01** — ACI announced a USD 200 million cash agreement to sell its Community Financial Services business to Fiserv. This was a later business-unit transaction, not a sale of the whole former Online Resources company.
- **2013-03** — ACI completed its acquisition of Online Resources on March 11.
- **2013-02** — Online Resources announced Virtual Collection Agent 5.0 on February 27 and a digital banking partnership with COCC on February 20.

## Links

- Website: http://www.orcc.com
- LinkedIn: https://www.linkedin.com/company/online-resources

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Profile page: https://yespress.io/online-resources
Published by YesPress — https://yespress.io
Last updated: 2026-10-25