Real-World Example
Jane accepts a settlement and enters a debit card. The portal should use the creditor’s configured merchant gateway, store or use the payment method safely, and only create the schedule once payment setup succeeds.Payment Page Modes
Payment pages are account-specific and show only the payment methods supported by that account’s creditor.
A payment method added while proposing a custom offer demonstrates payment readiness but is not charged before the creditor accepts the offer. Gift contributors can support accepted settlements or active plans only through the payment context made available to them.
Visual Flow
How It Should Work
- It should use the creditor merchant setup and supported payment gateway.
- It should show only payment and gifting options allowed for the account’s current status.
- It should support saved wallet methods when allowed.
- It should create or update payment setup only after payment method validation succeeds.
- It should move the account into the right scheduled or payment-plan status.
- It should immediately charge an approved one-time settlement due today or earlier, create the successful transaction, and settle the account.
- It should prefer a verified sub-account merchant and fall back to the creditor-level merchant for the same payment method.
- It should increment the campaign settlement or payment-plan completion counter once when setup first completes.
- It should allow the consumer to add a payment profile while a custom settlement or payment-plan offer is pending creditor response, and Back should return to Pending Creditor Response.
- It should keep a pending custom offer in Active Negotiation after payment setup and reject direct Schedule Plan links until the creditor approves the offer.
How It Should Not Work
- It should not store sensitive payment details outside the approved payment profile flow.
- It should not schedule payments when merchant setup is missing or invalid.
- It should not confuse one-time settlement setup with installment plan setup.
- It should not charge or expose the Schedule Plan for a custom offer that is still waiting for creditor approval.