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Payments


Payments

The functions under this main navigation option are access whenever a customer wants to create or manage a payment or add or manage a funding source.

Schedule Payment

This is the default page access when a customer selects the Payment navigation option, or selects the Schedule Payment button on the account summary page. The exact page shown will depend on the Payment Types configured for you. The following sections will describe these options.

One-Time Payments

This option allows a customer to create a single payment. Your configuration may allow same day, future dated only, or a mixture of both.

Enter Payment Details. When One-Time is selected, the following page content is displayed.

The following data/options may be displayed:

  • Payment Due Date. This is the due date for the current bill on the account.
  • Funding Source Type. If the customer has active Bank and Card accounts, and you allow them for One-Time payments this allows the customer to choose the type to use.
  • Funding Account Number. This dropdown will display the available active accounts based on the selection in the prior dropdown.
  • Payment Date. There are two options for this field. If the customer can only make Same Day payments, it will default to the next valid payment date, as a read only field. This could be the current date, tomorrow’s date or some other date depending on your configuration.

    If the customer can future date a payment the field will appear and clicking in the field will cause a calendar to appear.

    The customer can then choose their preferred payment date, within the rules set by you.

  • Amount. Up to 4 amounts can be shown for the customer to select from, and the number will depend on your chosen configuration. The descriptors of the amounts will have been edited to match those on your bill. If $0.00 is passed for an amount it will be grayed out and cannot be selected.

    The customer may also be offered the option to enter their own payment amount. If this is offered you will probably have set rules to control the minimum and maximum payment amounts that can be processed.

    Once the customer has made their entries/selections they will be able to select Continue to proceed to the next page.

  • Prompt Payment Discount. This option allows you to set a business rule that offers a discount if the customer pays their bill in full promptly (either within a number of days of the statement date or prior to the due date.

    If the payment meets the criteria for a discount, when the customer selects ‘Continue’ a message advising that the payment qualifies for a discount will display and a new lower payment amount will be shown.

  • Verify Payment Details. Once the customer has entered the details of the payment they want to make and has selected Continue they will be shown a page to review the proposed payment.

    Once the customer has reviewed the payment details they can select Confirm to submit the payment for processing. The system will then run any business rules set up for One-Time payments. If the payment is Same Day and Card funded it will process an authorization for the payment amount. If there are any issues error messages will be displayed.

    If the customer wants to make changes they can select Edit. Selecting Cancel will return the customer to the Account Summary page.

  • Payment Confirmed. If there are no issues when the customer confirms the payment they will be shown a payment confirmation page.

Recurring Payments

This option allows the customer to schedule a series of payments to be processed, within parameters set by you.

Enter Payment Details. When Recurring is selected the following page is displayed.

The following data/options may be displayed:

  • Payment Due Date. This is the due date for the current bill on the account.
  • Funding Source Type. If the customer has active Bank and Card accounts, and you allow both for Recurring payments this allows the customer to choose the type they want to use.
  • Funding Account Number. This dropdown will display the available active accounts based on the selection in the prior dropdown.
  • Start Date. This is the date of the first payment in the series. The earliest date that can be selected is the next valid payment date (usually the date after the current one). This is because the payments are generated overnight for processing, so it is not possible to start on the current date.

    This date will also determine when subsequent payments are processed, based on the Frequency selected.

  • Frequency. This dropdown determines how often the payments are processed. The following options are available, but may not be configured for you.
    • Daily. Payments will be processed every day or 365 payments a year.
    • Weekly. Payments will be processed every week or 52 payments a year.
    • Bi-Weekly. Payments will be processed every two weeks or 26 payments a year.
    • Semi-Monthly. 2 payments will be processed every month or 24 payments a year. The start date will be the first payment each month (say the 5th). The next payment will be processed 14 days later (for example, the 19th, if the first date is the 5th).
    • Monthly. Payment will be processed every month or 12 payments a year.
    • Quarterly. Payments will be processed every 3 months or 4 payments a year.
    • Six Monthly. Payments will be processed every 6 months or 2 payments a year.
    • Annual. Payments will be processed once a year.
  • Number of Payments. This option appears if the customer has to specify the number of payments or you give the option to specify the number of payments. If it is optional selecting the checkbox allows the customer to enter a value in the Number of Payments field.
  • Amount. Up to 4 amounts can be shown for the customer to select from, and the number will depend on your chosen configuration. The descriptors of the amounts will have been edited to match those on your bill. If $0.00 is passed for an amount it will be grayed out and cannot be selected.

    The customer may also be offered the option to enter their own payment amount. If this is offered you will probably have set rules to control the minimum and maximum payment amounts that can be processed

  • Set Payment Limit. If you are offering payments based on the amount owed, you can enable this option that allows the customer to set a limit on the maximum amount they can be debited for. If a bill is received for more than that amount no payment will be processed.

    Once the customer has made their entries/selections they will be able to select Continue to proceed to the next page.

  • Verify Payment Details. Once the customer has entered the details of the payment they want to make and has selected Continue they will be shown a page to review the proposed payment, as described above. They will then be able to Confirm, Edit or Cancel the payment request.

    The system will then run any business rules set up for Recurring payments. If there are any issues error messages will be displayed.

  • Payment Confirmed. If there are no issues when the customer confirms the payment they will be shown a payment confirmation page.

Payment Plan

This option allows a customer to create a series of payments to pay off a fixed owed amount. Your configuration may vary the plans offered to customers based on the amount owed.

Enter Payment Details. When Payment Plan is selected the following page is displayed.

The following data/options may be displayed:

  • Current Amount Due. This is the current balance on the account.
  • Funding Source Type. If the customer has active Bank and Card accounts, and you allow both for Payment Plan payments this allows the customer to choose the type they want to use.
  • Funding Account Number. This dropdown will display the available active accounts based on the selection in the prior dropdown.
  • Payment Date. This is the date of the first payment in the series. The earliest date that can be selected is the next valid payment date (usually the date after the current one). This is because the payments are generated overnight for processing, so it is not possible to start on the current date.
  • Payment Plan. This will list the plans that the customer can choose from. Each plan will be described and will list out the number of payments, payment amount(s), any installment fees, and the total amount payable.

    The number of plans offered will depend on the number being offered by you, the amount that must be owed before a plan is offered, and the amount owed by the customer.

  • Verify Payment Details. Once the customer has entered the details of the payment they want to make and has selected Continue they will be shown a page to review the proposed payment, as described above. They will then be able to Confirm, Edit or Cancel the payment request.

    The system will then run any business rules set up for Payment Plan payments. If there are any issues error messages will be displayed.

  • Payment Confirmed. If there are no issues when the customer confirms the payment they will be shown a payment confirmation page.

Balance Reload

This option allows a customer to create a single payment to reload a credit balance on their account. Your configuration may allow same day, future dated only, or a mixture of both.

Enter Payment Details. When Balance Reload is selected the following page is displayed.

The following data/options may be displayed:

  • Current Balance on Account. This is the current balance on the account.
  • Payment Amount. This allows the customer to enter the amount they want to load onto the account. The minimum and maximum payment amounts are controlled by business rules.
  • Funding Source Type. If the customer has active Bank and Card accounts, and you allow both for Balance Reload payments this allows the customer to choose the type to use.
  • Funding Account Number. This dropdown will display the available active accounts based on the selection in the prior dropdown.
  • Payment Date. This option allows the customer to select the Payment Date for the reload. The default date that appears in the field will depend on your business rules and the time of day. Clicking in the field will cause the Calendar to appear.
  • Low Balance Notifications. This allows the customer to choose to receive an email when the balance falls below the customer-defined threshold, and is triggered by the receipt of an updated balance in the account data file sent by you.
  • Verify Payment Details. Once the customer has entered the details of the payment they want to make and has selected Continue they will be shown a page to review the proposed payment, as described above. They will then be able to Confirm, Edit or Cancel the payment request. The system will then run any business rules set up for Balance Reload payments. If there are any issues error messages will be displayed.
  • Payment Confirmed. If there are no issues when the customer confirms the payment they will be shown a payment confirmation page.

Invoice Payments

This option allows a customer to create a single payment to pay one of more outstanding items (invoices, fees, other amounts due) on their account. Your configuration may allow same day, future dated only, or a mixture of both.

Enter Payment Details. When Invoice Payment is selected the page overleaf is displayed.

The following data/options may be displayed:

  • Open Invoices. Details of the currently open invoices are displayed for the customer to select from. If they want to pay all of the invoices they can use the Select All checkbox, otherwise they can choose individual invoices to pay.

    You can pass a value that specifies whether a partial payment on an invoice is allowed. If this is enabled, the customer can enter their own payment amount (any amounts paid previously are shown in the Paid Amount column). There is logic in place to prevent overpayment of an invoice.

    If partial payments are not allowed, selecting the invoice will set the payment amount to the value of the invoice, which cannot be edited.

  • Amount. This field will auto populate with the sum total of the invoice payments.
  • Funding Source Type. If the customer has active Bank and Card accounts, and you allow both for Invoice payments this allows the customer to choose the type to use.
  • Funding Account Number. This dropdown will display the available active accounts based on the selection in the prior dropdown.
  • Payment Date. This option allows the customer to select the Payment Date for the reload. The default date that appears in the field will depend on your business rules and the time of day. Clicking in the field will cause the Calendar to appear.
  • Verify Payment Details. Once the customer has entered the details of the payment they want to make and has selected Continue they will be shown a page to review the proposed payment, as described above. They will then be able to Confirm, Edit or Cancel the payment request.
  • The system will then run any business rules set up for Invoice payments. If there are any issues error messages will be displayed.
  • Payment Confirmed. If there are no issues when the customer confirms the payment they will be shown a payment confirmation page.

Payment History

This option gives the customer access to their payment history, including options to Edit and Cancel payments that have yet to be processed. When accessed the following page is displayed.

The page is divided into the following modules:

  • Scheduled Payments. Details of payments that have yet to be processed.
  • Processed Payments. Details of payment that have been processed.
  • Automated Payment Enrollments. Details of any active payment enrollments.
  • Refunded Payments. Details of any refunds that have been processed.

Scheduled Payments

This module displays details of payments that are yet to be processed on the account (also called Pending payments). Selecting the Confirmation Number hyperlink will expand the details shown for the payment, (this happens on the Account Summary page as well).

The following options will be displayed:

  • Edit Payment. This option allows the customer to alter the Payment Date, funding source or Amount of the payment.
  • Delete Payment. This option allows the customer to Delete the payment, so it will not be processed.

Processed Payments

This module displays details of payments that have been processed, or that have been Deleted by the customer. As with the Scheduled Payments module, the customer can expand the details shown, but does not have options to Delete or Cancel a processed payment.

Automated Payment Enrollments

This module displays details of any active payment enrollments (Recurring, Payment Plan and AutoPay) on the account. As with the Scheduled Payments module, the customer can expand the details shown, but they will only have the option to Delete or Cancel the enrollment.

Refunded Payments

This module displays details of any Refunds that have been processed. The system treats these as new transactions, linked to the original payment, so they can be displayed separately, especially if you have chosen to support Partial Refunds.

Funding Sources

This option gives the customer access to their funding sources, and options to Edit or Delete them or add additional funding sources. The following page is displayed when this option is selected.

Selecting the masked Account Number will expand the data shown, and give access to the following options:

  • Edit Account. This option allows the customer to update details of the funding source (or replace it with a new one). If there are any Scheduled payments associated with the funding source the customer will be advised and once the edit is complete they will be transferred to the updated funding source.
  • Delete Account. This option allows the customer to Delete a funding source. If there are any Scheduled payments associated with the funding source the customer is advised that they will be Canceled if the funding source is Deleted.

    Depending on your business rules, and the number of active funding sources the customer has linked to their profile they may have options to add additional funding sources.

Add Bank Account

This option allows the customer to add a new Bank Account to their profile. When this option is selected the page shown below is shown (a similar page is used during the enrollment flow if capture of funding source is configured).

The following data/options may be displayed.

  • Check Image. This shows the customer how to locate their Routing Number and Account Number.
  • Account Nickname. This allows the customer to enter a Nickname for the funding source.
  • Name on Account. This allows the customer to enter the Name of the Account Holder of the funding source.
  • Personal or Commercial. These options appear if you are supporting Commercial (Business) Bank Accounts.
  • Account Type. This allows the customer specify whether the bank account is a checking, savings or money market account.
  • Routing Number. This allows the customer to enter the 9 digit Routing (ABA) number for the bank account. The field is entered twice to prevent keying errors.
  • Account Number. This allows the customer to enter the Account Number for the Bank Account. The field is entered twice to try and prevent keying errors.
  • Verify Add Bank Account. Once the customer has entered the above details and selected Continue they will be shown a page to review and verify the Bank Account details. If they do not want to proceed they can select Cancel, or they can select Edit to return to the page shown above to make changes.

If they select Confirm the details entered will be validated. The following checks will be run:

  • Verify Routing Number. The system will check to make sure the Routing Number is valid for electronic ACH debits.
  • Check Negative File. The system will check the list of known bad bank accounts to make sure the account that the customer wants to add is not on the list. (If too many attempts are made to add a known bad account by a customer their access will be blocked.)
  • Error messages will be shown if there is a problem with bank account details that have been entered.
  • Add Bank Account Confirmed. If there are no issues with the bank account details the customer will be shown a page confirming the account has been added to their profile.

Add Card Account

This option allows the customer to add a new Card Account to their profile. When this option is selected the page shown overleaf is shown (a similar page is used during the enrollment flow if capture of funding source is configured).

The following data/options may be displayed.

  • Account Nickname. This allows the customer to enter a Nickname for the funding source.
  • Card Number. This allows the customer to enter the card number from the card the customer wants to add.
  • Card Type. This allows the customer to select the card type they want to add, based on the list of those you have chosen to accept.
  • Expiration Date. This allows the customer to enter the expiration date for the card.
  • CVV Number. This allows the customer to enter the Card Security Code (CVV/CVC) from the card they want to use.
  • Name on Card. This allows the customer to enter the Name of the Account Holder of the funding source.
  • Card Account Address. This allows the customer to enter the billing address for the card they want to use.
  • Verify Add Card Account. Once the customer has entered the above details and selected Continue they will be shown a page to review and verify the Card Account details. If they do not want to proceed they can select Cancel, or they can select Edit to return to the page shown above to make changes.

If they select Confirm the details entered will be validated. The following checks will be run:

  • Verify Card Account. The system will process a $0.00 or $0.01 authorization to verify the card number, expiration date and card status. This includes the Card Security Code and Address Verification Service (AVS) checks.
  • Check Negative File. The system will check the list of known bad card accounts to make sure the account that the customer wants to add is not on the list. (If too many attempts are made to add a known bad account by a customer their access will be blocked.)
  • Error messages will be shown if there is a problem with card account details that have been entered.
  • Add Card Account Confirmed. If there are no issues with the card account details the customer will be shown a page confirming

Enroll for/Manage Automatic Payments

This option allows the customer to either sign up for Automatic Payments (AutoPay) or to manage an active enrollment. The following page is displayed when this option is selected.

The following data/options may be displayed:

  • Funding Source Type. If the customer has active Bank and Card accounts, and you allow both for AutoPay payments this allows the customer to choose the type to use.
  • Funding Account Number. This dropdown will display the available active accounts based on the selection in the prior dropdown.
  • Payment Amount Option. This dropdown will list the Payment Amounts that the customer can select to automatically pay.
  • Set Payment Limit. As the automatic payments are based on the amount owed, you can enable this option that allows the customer to set a limit on the maximum amount they can be debited for.

    NOTE: If a bill is received for more than that amount No payment will be processed. f the next payment due on the customer’s account will be processed as an AutoPay details of that payment will be shown to the customer on this page.

  • Verify Payment Details. Once the customer has entered the details of the payment they want to make and has selected Continue they will be shown a page to review the proposed payment, as described above. They will then be able to Confirm, Edit or Cancel the payment request.
  • The system will then run any business rules set up for AutoPay payments. If there are any issues error messages will be displayed.
  • Payment Confirmed. If there are no issues when the customer confirms the payment they will be shown a payment confirmation page.
  • Once the customer is enrolled, the navigation option will change to Manage Automatic Payments, which will allow the customer to cancel their enrollment. To stop a scheduled AutoPay payment the enrollment will need to be canceled before midnight on the day before the payment is scheduled to be processed.