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Early Results Show Strong Cardholder Response To Online Collections

Online Resources Collections Effective for All Stages of Delinquent Accounts

CHANTILLY, Va., March 17, 2005 -- Online Resources Corp. (Nasdaq: ORCC), a leading outsourcer of Internet financial services, today released preliminary results of a new online consumer credit card collections product offered by its Card & Credit Services division.
Piloted by a top three credit card issuer beginning in October 2004, early results show the online collections product effectively provides a supplemental contact source for delinquent cardholders, is instrumental to collecting money from high risk accounts and significantly increases the ability to obtain right party contacts.

The product, Incurrent Consumer Card Collections, provides a fully branded, online environment where delinquent cardmembers can privately apply for and enroll in rules-based payment programs, make a payment, schedule a future payment, make a promise-to-pay, as well as verify contact information. During a three-month period, the product was promoted to approximately 90,000 accounts with the following key results:

* A total of 1,315 unique accounts visited the website
* 58 percent of Stage 1 and 50 percent of Stage 2 accounts that logged in made payments, promises-to-pay, or enrolled in payment programs for which they applied and were accepted online
* 25 percent of late stage accounts that logged in accepted and enrolled in settlement programs online.

The results also showed the value of the online collections product in reaching consumers after hours, eliminating the need for phone calls in many cases and reaching consumers that had previously not been available for contact.

"We are pleased with the early behavior of all stages of challenger delinquents, which indicates acceptance of the online collections product and its effectiveness in prompting payment," said Bill Kinnelly, vice president of Sales and Marketing for Online Resources' Card & Credit Services. "For card issuers looking to reduce costs and at the same time cultivate relationships, we believe the use of the Internet channel is an excellent solution. We look forward to further testing of our collections product."

More information about the online collections product and its early results are included in a white paper titled, "Incurrent Consumer Card: Online Collections Product Cardholder Activity Results," which is available by emailing incurrent@orcc.com or by calling Beth Halloran at Online Resources, 703.653.2248.
About Online Resources

Online Resources powers Internet financial services for 700 firms nationwide. The Company's proprietary account presentation, payment and relationship management services are branded to its client banks, credit unions, card issuers and payment acquirers. The Company serves over 3 million consumer end-users and processes over $10 billion in payments annually. Founded in 1989, Online Resources (Nasdaq: ORCC, Website: www.orcc.com) has been widely recognized as one of the nation's fastest growing technology firms.

This news release contains statements about future events and expectations, which are "forward-looking statements." Any statement in this release that is not a statement of historical fact may be deemed to be a forward-looking statement. Such forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause the company's actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. Specifically factors that might cause such a difference include, but are not limited to: the company's history of losses and anticipation of future losses; the company's dependence on the marketing efforts of third parties; the potential fluctuations in the company's operating results; the company's potential need for additional capital; the company's potential inability to expand the company's services and related products in the event of substantial increases in demand for these services and related products; the company's competition; the company's ability to attract and retain skilled personnel; the company's reliance on the company's patents and other intellectual property; the early stage of market adoption of the services it offers; consolidation of the banking and financial services industry; and those risks and uncertainties discussed in filings made by the company with the Securities and Exchange Commission, including those risks and uncertainties contained under the heading "Risk Factors" in the company's Form 10-K, latest 10-Q, and S-3 as filed with the Securities and Exchange Commission. These factors should be considered in evaluating the forward-looking statements, and undue reliance should not be placed on such statements.

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