Customized. Secure. Flexible.

Cutting-edge payment processing solutions for banks and businesses

Have you lost trust with past vendors who:

Take months to migrate

Poorly manage your assets

Have security breaches

Offer off-the-shelf, antiquated systems

Get a Secure & Seamless
Payment Solution

You want to be competitive in your industry. In order to do that, you need a payment processing system that’s customized to your business and customer needs.

Stop losing out on new business because you are not able to accommodate customer needs. Instead, get online and Lockbox payment processing designed for exactly what you and your customers need for financial success.

Expedite Your Payments

Cut out the middle man and get timely payment information to update accounts receivable records.

Monitor Your Cash Flow

Get a consolidated view and visibility of all cash movements and see your financial position at any moment.


We Handle the Payment Processing so You Can Focus on the Rest

We know financial institutions and businesses struggle to find a vendor that can accommodate their specific payment processing needs while ensuring the highest level of security and compliance. It’s why we’ve always had an in-house development team so we never have to tell you “no.” Our complete solution is customized, secure, and flexible to accommodate any business.

Our Results in Numbers


Years in

Financial Institutions Served
and Growing


Items Processed


Businesses Served
and Growing

Solutions We Provide

Image Remit Hosted Services

CMS-IR Hosted Services Let CMS-IR do the work for you by outsourcing using our Hosted Services option. CMS-IR Lockbox outsourcing services are suitable for banks and third-party service providers seeking to offer a sophisticated, state-of-the-art, private-label, lockbox product, without the large capital expenditures, staffing issues and management resources required to do so. CMS-IR can provide […]

Industry Specific Solutions

Specialized Solutions for Your Industry CMS-IR has developed Specialized services focused on revenue producing industry segments. With CMS-IR, you can be assured we will continue to focus on products to improve revenue, profitability, and customer services. CMS-IR provides a wide range of high-quality online and Lockbox outsourcing services. This includes wholesale/retail/wholetail Lockbox, real-time online exceptions, […]

Installed Solutions

CMS Flagship Lockbox Applications CMS flagship lockbox applications have been helping some of the largest lockbox operations service customers for 35+ years. With over 45 installed sites, CMS software helps our customer process anywhere from 1,000 items to over four million payments a month. All because the unique scalability of our solutions. As a leader […]

Local Footprint Lockbox

Delivered in conjunction with Image Remit Hosted Services Local Footprint Lockbox is a cross between installed Lockbox and hosted services. Local Footprint provides for localized (distributed) collection points for image capture with a centralized processing configuration. Local Footprint Lockbox provides the ability to leverage the IT infrastructure, the lockbox processing operations group at Image Remit […]

Products We Provide


CMS1View – Transacting the World in Payment Services The evolution of how people receive their bills and remit their payments has entered its latest phase that allows the option of all forms of electronic payments as well as the traditional check payments. Welcome to CMS1View, a vertical independent, cloud-based, feature rich payment product, providing next generation […]

Software as a Service (SaaS)

CMS-IR offers an accessible and cost-effective Software as a Service (SaaS) solution tailored for banks seeking cutting-edge Lockbox services. Our SaaS clients securely access CMS-IR’s SOC-2 certified data centers through thin-client connections, enabling seamless access to leading Lockbox processing features. With CMS-IR, financial institutions can generate industry-standard x9.37 files and access images and data online […]

Lockbox Pro

Lockbox Payment Processing Lockbox Pro is a full featured image-based system specially designed to combine the unique requirements for Wholesale, Retail and Wholetail Lockbox payments into an easy-to-manage single application. The foundation of Lockbox Pro is CMS-IR’S traditional Wholesale Lockbox Solution. Added to the highly evolved Lockbox Pro are the features and functionality found in […]


Web Interactivity Web Pro, CMS-IR’s unique lockbox web delivery system, provides corporate clients with real-time, intra-day access to images, transactions, Alerts & Notifications, transmissions, exceptions, and reports. CMS-IR’s Web Pro system adds true interactivity to the lockbox process. More than just a place to see data, Web Pro puts the power of lockbox in the […]

Online BillPay

CMS1View’s Online Billpay CMS1View makes receiving electronic payments for both you and your clients a breeze. CMS1View’s Online Billpay provides the ability for your clients to enroll and remit payments directly, or if preferred, setup for you to receive their payment information over the phone and enter the information directly into the system yourself. Join […]

Our CMS Services

Disaster Recovery

CMS provides Continuation of Business capabilities ranging from full system recovery as an outsourced service, including the ability to staff, to simple consulting services that provide the most comprehensive recovery process a company may need.

Installation Services

CMS flagship Lockbox Applications CMS flagship Lockbox applications have been helping some of the largest Lockbox operations service customers for 35+ years. With over 45 installed sites, CMS software helps our customer process anywhere from 1,000 items to over four million payments a month. All because the unique scalability of our solutions. As a leader […]

WorkFlow Consulting Services

CMS can work with you to evaluate your current workflow and recommend software solutions to optimize your process. The CMS level of flexibility available in the software is conducive to changing requirements and product offerings.

Systems Migration

CMS can provide analysis of your current systems and workflow and either provide instruction on how current CMS solutions integrate with other systems or provide more thorough services for a custom solution that will optimize the integration of your enterprise systems. CMS has always strived to be vendor neutral with regard to integration with enterprise […]

Upgrade Services

MS software upgrades are easy to download and easy to install. Numerous CMS customers perform regular upgrades on a scheduled basis. For customers not comfortable with performing such upgrades themselves, CMS provides full onsite support including consultation, project management, and software upgrade(s).

Setup Consulting

35+ years of experience with Lockbox solutions has given CMS a unique background in understanding and addressing the requirements of diverse Lockbox environments. CMS can provide services to assist with the setup of individual Lockboxes as well as assist with requirement gathering and analysis to implement the correct solution for you.


CMS provides full spectrum training options onsite or at our Clearwater training facility. Each training session is tailored to the group or individual attending. All training sessions are fully interactive and include the use of sample scenarios to explore the rich capabilities of the CMS software.

Custom Development

CMS has always maintained a high level of flexibility and customization within its software packages with features that are both easy to setup and easy to use. CMS regards its customers as partners and as such works closely with all customers to understand their needs and goals to better serve them. We view our software […]

Network Services

Corporate IT is continually over tasked. With this in mind, CMS provides Network consulting services to help troubleshoot, diagnose, and optimize your everyday network solutions.

Make Migration a Breeze

We know change can be scary, especially when you have been hurt by other vendors in the past. What if something goes wrong? What if this will negatively impact my clients?

Don't let "what ifs" force you to settle for an inefficient software partner.

Not only do we have a dedicated project implementation team with 35+ years of experience, but we also have an in-house development team to ensure that your onboarding is seamless.


Our Process

Request A Demo

We'll be in touch the same day to schedule your one-hour demo.

Provide the necessary information for implementation.

We make the transition to our system seamless.

You go live.

Start using your cutting-edge payment processing solution.


What Our Customers Say

See the success stories of our customers to find out why so many companies choose us.

"Prior to working with CMS, our Lockbox platform was very limited, and we were able to offer our clients very few custom options. The flexibility and customizable options that CMS provides has been a game changer. Their competent staff is dedicated, resourceful and attentive to the demands of our clients, and quick to develop new solutions to meet our needs."

Kellie M. McGahuey

Senior Vice President
Bankcard/Merchant Services Manager
Farmers & Merchants Bank

"We have used the CMS software as our remittance software platform for over 8 years. Our clients especially like the ease of navigation and out-of-the-box features & functionality. The support and technical teams at CMS are quick to respond to all our requests and are great partners."

Colleen G. Grant

Vice President
Firstech Operations

"We at Dime Community Bank have developed a GREAT partnership with CMS IR. We migrated over 20 customers from an in-house solution to the suite of products offered by CMS IR. Every one of our customers was completed on or ahead of the scheduled date, and moreover elated with the new service and rich capabilities of the products. Through our partnership with CMR IR, we were able to deliver a customer-branded “e-Lockbox” solution to one of our large property management customers and exceeded their expectations. I honestly can’t say enough good things about their depth of knowledge, creative solutions, out-of-the-box thinking, implementation team, training, dedication, and support. I wish every one of my vendors was half as good as CMS IR."

Nicholas R. Schiralli

Senior Vice President
Director of Commercial Product Development

"Frost has developed an excellent partnership with CMS and it’s one that we truly value and appreciate. Anytime we partner with a vendor, our standpoint at Frost is that we’re not just looking for a vendor to provide a service, rather we’re looking for a partner to grow with that shares a similar vision and outlook for the future. One thing that stands out about CMS and something we truly value and appreciate is responsiveness when we have an issue, big or small. The team at CMS has always been a phone call or email away and readily available to provide assistance and guidance to help resolve any issue."

Dee Crisp

Vice President
Frost Bank Statewide Unit Manager

"At Union Bank and Trust Company, we have partnered with CMS for our Lockbox solution for
almost 10 years and it has been a great relationship. CMS has always been quick to help us
accommodate unique customer requests for Lockbox processing. It allows us to offer a
“boutique” service to our customers that other banks cannot provide. Our customers benefit from
a solution that delivers their daily deposits accurately and in the time frame, they need. The web
portal access for our customers to interact with daily exceptions, review transactions, and
generate transmission files has been a great feature."

Brent Davis

Assistant Vice President
Union Bank and Trust

Request a

This field is for validation purposes and should be left unchanged.