PNC Lockbox setup

PNC is a bank that provides financial services to BriteCore customers, such as PNC Lockbox. PNC Lockbox processes mail-in payments for carriers.

Note: While BriteCore doesn’t directly interact with PNC services, it can consume data related to it.

The PNC Lockbox integration allows PNC to:

  • Provide a dedicated PO box for mail-in payments.
  • Process mail-in payments.
  • Send BriteCore a payments file, which is automatically applied to the applicable policies.

Set up PNC Lockbox

  1. Contact PNC.
  2. Complete the required paperwork.
  3. Set up your PNC Lockbox.
  4. Obtain the following information from PNC:
    • PNC Lockbox number
    • Username
    • Password
    • Port number
  5. Once you have PNC Lockbox set up, contact BriteCore.

Set up PNC Lockbox in BriteCore

  1. In the BriteCore menu, select Settings.
  2. In the Settings menu, select Vendors.
  3. On the Vendors screen, under Check Scanning, select PNC Lockbox.
  4. Next to PNC Lockbox, select the edit icon .
  5. In the PNC Lockbox dialog box, complete the following steps:
    1. Select Create Matchfile.
    2. Select Use legacy accounting.
    3. In the Customer Information box, type your PNC Lockbox number.
    4. In the Days for cancellation box, type the number of days for cancellation.
    5. In the Transfer Settings section, under Lockbox Server, select Test.

      Note: Select Production only when you are in production.

    6. Select Export Matchfile.
    7. In the Username box, type your username.
    8. In the Port box, type the PNC Lockbox port number.
    9. In the Upload Type dropdown list, select SFTP.
    10. In the PNC Payment Settings section, ensure Require check number and Use normalized policy number are selected, and if they aren’t, select both of them.

      Note: By default, Require check number and Use normalized policy number are selected.

    11. If applicable, select Allow duplicate payments.
    12. In the Payment notification email box, type the email address(es) of anyone who should receive payment notification emails.

      Note: Use a comma-separated list to add multiple email addresses.

Payment coupons

Payment coupons are the bottom part of billing statements that insureds remove and mail in with their payments.

Figure 1: Payment coupon on a stock BriteCore installment billing statement.

Scan line requirements

A scan line is a long string of numbers and letters located at the bottom of a payment coupon. The scan line contains information that can be scanned into the system.

PNC requires scan lines to contain the following information:

  • Policy number/ID
  • Amount due
  • Check digit

    Note: Stock deliverables don’t include a check digit.

  • You to create and use custom templates/deliverables.
  • A developer to update the scan line to include the check digit.

Example:

Policy ID: HM-2021-6924
Amount due: $474.00
Check digit: 07
Scan line: 000004740000000HM2021692407

In the example scan line, you can see the policy ID, amount due, and check digit:

  • Policy ID: 000004740000000HM2021692407
  • Amount due: 000004740000000HM2021692407
  • Check digit: 000004740000000HM2021692407

Check digit

PNC requires scan lines to contain a check digit.

Note: BriteCore’s stock deliverables don’t include check digits.

Adding a check digit to a payment coupon scan line requires:

Note: BriteCore can make the custom deliverable look like the stock deliverable through HTML and jinja

Payment coupon testing

Once a developer adds a check digit to the payment coupon scan line on your custom deliverable template, you will need to use a BriteCore test site to send PNC 50 sample coupons to test the check digit. PNC requires you to send them 50 sample coupons with check digits. You can’t move forward with PNC until you get the deliverables set up enough for a test site.

Important: If you use a print vendor, PNC requires the print vendor to send them 50 sample coupons with check digits.

Configuration

Note: The following configuration information is for BriteCore staff.

Access the configuration settings

  1. In the BriteCore menu, select Settings.
  2. In the Settings menu, select Vendors.
  3. On the Vendors screen, under Check Scanning, select PNC Lockbox.
  4. Next to PNC Lockbox, select the edit icon .
  5. In the PNC Lockbox dialog box, complete the configuration settings.

Configuration settings

  • Create Matchfile: (Select) BriteCore sends PNC a daily file of expected payments (policies BriteCore expects payments on).
  • Export Matchfile: (Select) PNC sends BriteCore a daily file containing all of the payments PNC processed. BriteCore automatically applies the collected payments to the applicable policies.
  • Customer Information: Type the Lockbox number (provided by PNC).
  • Days for cancellation: Type the number of days for cancellation.
  • Lockbox Server: Select Test. Once the client is in production, select Production.
  • Upload Type: Always select SFTP.
  • Username: Type the client’s PNC username (provided by PNC).
  • Port: Type PNC’s port number (provided by PNC).
  • Password: Type the client’s PNC password (provided by PNC). Configure the password in BriteCore’s database.
  • Require check number: (Select) Should be selected by default.
  • Use normalized policy number: (Select) Should be selected by default.
  • Payment notification email: Sends out a payment notification to designated email addresses. Type the email address(es) of anyone who should receive payment notification emails.

    Note: Use a comma-separated list to add multiple email addresses.

Key authorization

The PNC Lockbox integration requires key authorization, so you will need to:

  1. Generate a key.
  2. Send the public portion to PNC.
  3. Add the private portion to the BriteCore database.

BriteCore API

BriteCore’s API endpoint:

  • Allows customers to submit data extracted from a PNC Lockbox payment file.
  • Applies the contained payments to the respective policies.
  • Updates the internal payment accounting registry.