Payment Page

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Developer Rule

Payment Pages allow consumers to activate payment plans, complete settlement payments, and manage payment activity associated with individual accounts. Payment Pages are account-specific. Available payment methods are determined by the participating organization’s payment configuration. Supported payment options may include:

• ACH
• Credit Card
• ACH and Credit Card Payment Pages must display only the payment methods authorized for the associated account.

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Includes

• Settlement Payment Pages
• Payment Plan Activation Pages
• Active Payment Plan Pages
• BillPay Gift Links
• BillPay Gift QR Codes
• Consumer Payment Method Selection

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Settlement Payment Pages

Settlement Payment Pages are displayed when a settlement agreement has been accepted.

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Consumers may:

• Select a BillPay Wallet Payment Method
• Add a New Payment Method
• Complete the Settlement Payment Settlement Payment Pages may also display:
• BillPay Gift Link
• BillPay Gift QR Code

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Business Rule:

Settlement payments are one-time payments. Gift contributors must satisfy the full settlement payment amount.

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Purpose:

Allow consumers or contributors to complete accepted settlement agreements.

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Payment Plan Activation Pages

Payment Plan Activation Pages are displayed when a payment plan offer has been accepted and requires activation.

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Consumers must:

• Select a BillPay Wallet Payment Method or
• Add a New Payment Method

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Purpose:

Activate the approved payment plan.

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Business Rule:

BillPay Gift Links and BillPay Gift QR Codes are not displayed during payment plan activation. A payment method must be established before the payment plan becomes active.

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Active Payment Plan Pages

Active Payment Plan Pages are displayed after a payment plan has been activated.

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Consumers may:

• View Payment Schedule
• Change Payment Methods
• Manage Active Payments

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Active Payment Plan Pages may display:

• BillPay Gift Link
• BillPay Gift QR Code

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Purpose:

Allow consumers and contributors to support active payment plan obligations.

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Offer Payment Profile

Consumers may optionally include a payment method when submitting:

• Settlement Offers
• Payment Plan Offers

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Purpose:

Demonstrate payment readiness when negotiating an offer.

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Business Rule:

Payment methods submitted with an offer are not immediately processed and allow only method accepted by the individual creditor. No bill pay gift links of any kind are on this payment page.

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Accepted Offer Rule

If a Settlement Offer containing a payment method is accepted:

• Settlement Payment may be automatically scheduled using the submitted payment method or
• The consumer may update the payment method before payment processing. If a Payment Plan Offer containing a payment method is accepted:
• The payment plan is automatically activated using the submitted payment method.

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Purpose:

Reduce activation friction and improve successful account resolution.

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Key Rule

Payment Pages are account-specific. Available payment methods, payment options, and gifting options must be displayed according to the account’s current status and the participating organization’s payment configuration.

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Final Developer Rule

Settlement Payment Pages, Payment Plan Activation Pages, and Active Payment Plan Pages must follow separate business rules. BillPay Gift Links and BillPay Gift QR Codes are only available for accepted settlements and active payment plans. Payment methods submitted with negotiation offers are not processed until the offer has been accepted.