Real-World Example
Jane saves a debit card in BillPay Wallet and later wants to remove it. If that card is attached to an upcoming scheduled payment, the portal should block deletion until Jane moves the schedule to another valid method.
One Wallet Across Accounts
BillPay Wallet lets a consumer securely manage up to three saved ACH bank accounts or cards and reuse them across eligible settlements and payment plans. Payment credentials remain tokenized and are not shared with participating creditors, agencies, law firms, or service providers.
When several eligible accounts use the same payment method, the consumer can replace that method across those accounts together instead of updating every account separately.
Visual Flow
How It Should Work
- It should let consumers manage saved payment methods safely.
- It should display the correct card network for card profiles; ACH profiles should not display a card brand.
- It should prevent deletion of payment methods assigned to scheduled or failed payments unless replacement rules are satisfied.
- It should support updating scheduled transactions to use a different saved method when allowed.
How It Should Not Work
- It should not break a payment plan by deleting the only assigned payment method.
- It should not expose payment profiles from another consumer.
- It should not store sensitive card data outside the approved gateway/profile service.
Last modified on July 30, 2026
