ONLINE PAYMENT TERMS AND CONDITIONS

ONLINE PAYMENT TERMS AND CONDITIONS

These Bill Payment Terms and Conditions are subject to the Terms of Use found on the website. 

DEFINITIONS

“Authorized User” is any individual who you allow to use the Service or provide access to your Funding Account.

“Auto Pay Payment” is a recurring Payment made by you on the Due Date for the amount shown on the Billing Statement.

“Biller” is the entity to whom you instruct us to make a One-Time Payment on your behalf.

“Biller Account” means the account you have directly with the Biller related to the goods and/or services provided to you by the Biller.

“Billing Statement” is the statement typically sent by Biller to you indicating, among other things, how much you owe for the provision of goods and/or services and the Due Date.

“Business Day” is every Monday through Friday, excluding Federal Reserve holidays.

“Due Date” is the date reflected on your Billing Statement when your payment is due; it is not the late payment date or inclusive of a grace period.

“Funding Account” is the checking account, savings account or debit card account, held at FDIC or the equivalent insured United States depository institutions, or credit card account from which Payments and fees, if any, will be debited and to which credits to you will be credited.

“Payment” is a payment transaction initiated by you through the Service.

“Payment Date” is the calendar day you elect for the Biller to receive the Payment and is also the day your Funding Account will be debited. If the calendar day you elect falls on a Non-Business Day or after the daily cutoff time for the Service, the actual Payment Date and the actual date your Funding Account will be debited will be the following Business Day. This date can be current or in the future.

“Payment Instruction” is the information provided by you (such as, but not limited to, Biller name, Biller Account number and Payment Date) for a Payment to be made through the Service.

“Payment Wallet” is the Funding Account information you save (if any) for use in making future Payments.

“Recurring Payment” is a Payment made each calendar month on the date designated by you in an amount designated by you.

“Scheduled Payment” is a Payment that has been scheduled for a future date but has not yet begun processing.

“We,” “us” and “our” refers to the financial institution accepting your Payment Instruction and our third-party service providers.

“You” and “your” refer to the individual that is utilizing the Service.

PAYMENT AUTHORIZATION, PAYMENT REMITTANCE AND FEES

You authorize us to follow the Payment Instructions received from you. When we receive a Payment Instruction from you, you authorize us to debit or charge your Funding Account for the amount of any Payment plus any related fees in effect at the time you initiate the Payment Instruction and to remit funds on your behalf. YOU ACKNOWLEDGE AND AGREE THAT A FEE MAY BE CHARGED TO YOU TO PROCESS PAYMENTS PURSUANT TO THIS AGREEMENT. ANY SUCH FEES WILL BE DISPLAYED TO YOU PRIOR TO FINALIZING THE PAYMENT. YOU HEREBY AGREE TO PAY ANY SUCH APPLICABLE FEES THAT MAY BE CHARGED REGARDLESS OF WHETHER THE PAYMENT INSTRUCTION IS COMPLETED. You also authorize us to credit your Funding Account in the event that any Payments are returned to us because the processing of the Payment Instruction could not be completed. To process Payments more efficiently and effectively, we may edit or alter payment data or data formats. You certify that any Funding Account you add to your profile or otherwise utilize in connection with the Service is an account from which you are authorized to make payments, and any Payment you make using the Service will debit/charge a Funding Account that you are legally authorized to use. We will use reasonable efforts to complete your Payments properly. However, we shall incur no liability if the Service is unable to complete any Payments initiated by you because of the existence of any one or more of the following circumstances or other reasons identified in this Agreement:

  • If your Funding Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account.

  • If our payment processing center is not working properly and you know or have been advised about the malfunction before you execute the transaction.

  • If you have not provided us with the correct Funding Account information or other required information.

  • If your debit/credit card is expired.

  • If circumstances beyond our control (such as, but not limited to, fire, flood or other acts of God, third-party systems or interference from an outside force) prevent the proper execution of the transaction.

  • If you failed to follow our instructions for the use of the Service.

Provided none of the foregoing exceptions are applicable, if we cause an incorrect amount of funds to be removed from your Funding Account or cause funds from your Funding Account to be directed in a manner that does not comply with your Payment Instructions, our sole responsibility to you shall be to return the improperly transferred funds to your Funding Account or to direct any previously misdirected Payments to the Biller.

You are responsible for ensuring that there are sufficient funds available in your Funding Account to cover any amount you authorize for payment. If you do not have sufficient funds in your Funding Account, your Payment may not be processed. Your Payment may not be processed after a credit or debit card’s expiration date if it is not updated by you prior to such date unless we are able to obtain updated information from your card issuer. You authorize us to receive such updated credit or debit card information where available.

In the event your Payment is not processed for any reason, including the failure to obtain an authorization from your card issuer or financial institution or you have not provided us with the correct information, your liability shall remain outstanding and unpaid and you will be subject to all applicable penalties, late fees and interest charges assessed thereon, and all obligations will remain your sole responsibility.

Any fees associated with your Funding Account, including without limitation any assessed by your financial institution or credit card issuer, will continue to apply. You are also responsible for any and all telephone access fees and/or internet service fees that may be assessed by your telephone and/or internet service provider in connection with your utilization of the Service.

OVERPAYMENT ADJUSTMENT

You agree that you shall not intentionally schedule a Payment in excess of the greater of (i) the amount due on the Billing Statement or (ii) the total balance owed on your account. You acknowledge that we may refuse to process any such overpayment or we may adjust the Payment amount down to the amount due at time of payment processing to avoid overpayments.

PAYMENT CANCELLATION REQUESTS

You may be permitted to cancel or edit a Payment until such time as the processing of the Payment Instruction has begun. If permitted, there is no charge for canceling or editing a Payment prior to the processing of the Payment Instruction.

RETURNED PAYMENTS

In using the Service, you understand that payments may be returned for various reasons, such as, but not limited to, the Biller Account number is not valid, we are unable to locate your Biller Account or your Biller Account is paid in full. We will use reasonable efforts to research and correct the returned payment or void the payment and credit your Funding Account. You may receive notification regarding any such returned payments. You may be assessed fees by us or your financial institution as the result of any returns or insufficient funds related to your Funding Account or charges refused by a card network.

PAYMENT WALLET

The Payment Wallet allows you to save your Funding Account for use in making future Payments. If you elect to use Payment Wallet, the following terms apply:

  • Adding Funding Accounts

You authorize the addition of Funding Accounts to your profile when received from you. The first Funding Account that you add to your profile shall be your “Default Funding Account” unless you later designate a different Funding Account as your Default Funding Account. If your identity cannot be verified satisfactorily, the Service may not allow you to add a specific type of Funding Account to your profile.

  • Funding Account Number and Expiration Date Changes

It is your sole responsibility and you agree to ensure that the information maintained in your Payment Wallet is and remains accurate. If your Funding Account number changes or your credit or debit card expiration date changes, you agree to make updates to your Payment Wallet. You also authorize us to acquire such new or additional information regarding your accounts from our financial services partners and authorize the update of your Funding Account information accordingly. All changes made by you or acquired by us will be effective for future Payments paid using the Payment Wallet.

AUTO PAY PAYMENTS, RECURRING PAYMENTS AND SCHEDULED PAYMENTS

You may have the option of enrolling in Auto Pay Payments or Recurring Payments. If you choose to enroll in either Auto Pay Payments or Recurring Payments or if you initiate a Scheduled Payment, an email confirmation will be sent to you confirming that your enrollment or Payment Instruction has been received and whether it has been accepted. Please note the following:

  • Payments must be made by the Due Date or you may be assessed a late fee.

  • We will deduct (i) for Auto Pay Payments, the amount due on the Due Date and (ii) for Recurring Payments and Scheduled Payments, the amount designated by you on the date you selected.

  • While enrolled in either Auto Pay Payments or Recurring Payments, you may receive email confirmations of Payments charged to or debited against your Funding Account. It is your responsibility to update your email address in your profile with your current email address. We will not be responsible for email confirmations that are not received as a result of delivery failures (e.g., spam blockers or incorrect email address).

  • It is your sole responsibility to ensure that all Funding Account information is accurate, legitimate and up to date to ensure proper authorization of your Payment. We will not be responsible for any payment processing errors or fees incurred if you fail to provide accurate Funding Account information.

  • You may terminate your participation in Auto Pay Payments and Recurring Payments online, in writing or by calling Biller’s customer service department. It may take up to thirty (30) days to process termination requests.

INFORMATION AUTHORIZATION

You agree that the information you provide to facilitate a Payment, including your Funding Account information, may go through a verification process. You further agree that we may obtain financial information regarding your Funding Account from your financial institution (for example, to resolve payment posting problems, set transaction limits or for verification purposes).

PAYMENT DISPUTES

If you dispute a Payment made from a Funding Account, you acknowledge that such dispute (including, but not limited to, charge-back or fraud) must be taken up with your issuing debit/credit card provider or financial institution. We are not responsible for any research or resolution of such Payment disputes.