Although FIS can do lock box payments, the process of receiving a file and posting payments will need to be developed.  CU*Answers does plan to tackle this as soon as a client requests the option.  However, we do believe that it will not be as important as it might be currently, since repayment options will be available in every servicing channel you currently have for other loans.  With online credit card loans there are a lot more ways to pay, and a lot more people involved:  AFT, ACH, payroll deductions, teller line, mail, shared branching, home banking, audio response, etc.