Set up electronic payment rules

Policy status, user role, and settings determine if an electronic payment can be made. If you can’t make an electronic payment, a message will appear on the screen, notifying you that the electronic payment can’t be made. See Table 1 for an overview of when electronic payment can and can’t be made.

Table 1: Ability to make electronic payments.

Payments on canceled policies

By default, agents can’t make sweep payments and outside payors can’t make electronic payments when a policy is canceled. You can override this restriction with the advanced setting days-to-allow-canceled-policy-payment. By default, the setting value is set to 0, which restricts agents and outside payors from making sweep payments or electronic payments on the Secure Checkout screen on canceled policies.

To override the restriction:

  1. Navigate to Settings > Advanced.
  2. Search for days-to-allow-canceled-policy-payment.
  3. In the Setting Value box, type the number that represents the number of days payments will be allowed on a canceled policy.

    Note: If you type -1 in the Setting Value box, payments will be allowed on canceled policies for an indefinite amount of time.

Payments on cancellation pending policies

Cancellation for non-pay

By default, agents and outside payors can make payments against policies in cancellation pending for non-pay through agent sweep payments and/or the Secure Checkout screen, respectively. You can override the ability to make payments on policies that are pending cancellation with a setting.

To enable the setting:

  1. Navigate to Settings > Modules > Policies.
  2. Select Edit under Policy Lifecycle. The Confirm dialog box will open with the following statement:

    You’re about to leave the page. Would you like to save your data before proceeding?

  3. Select Yes to save data and proceed to the Policy Lifecycle screen, or select No to proceed to the Policy Lifecycle screen without saving.
  4. Select the Non-Pay tab.
  5. In the Payment section of the Non-Pay tab, select Disallow external payments (agent sweep and electronic) against policies in Cancellation Pending for Non-Pay.
  6. Select Save.

Note: Staff who access the Secure Checkout screen or agent sweep functionality from the Accounts Receivable screen of a policy can make electronic payments against policies in cancellation pending for non-pay, even when this setting is enabled.

Cancellation for non-pay for poor payors

If a policy with poor payment history is in cancellation for non-pay, you can enable a setting that prevents automatic payments from pulling and outside payors from making an electronic payment. For this setting to work, the policy must be in cancellation pending for non-pay and must have the system tag Poor Payment History assigned.

To enable the setting:

  1. Navigate to Settings > Modules > Policies.
  2. Select Edit under Policy Lifecycle. The Confirm dialog box will open with the following statement:

    You’re about to leave the page. Would you like to save your data before proceeding?

  3. Select Yes to save data and proceed to the Policy Lifecycle screen, or select No to proceed to the Policy Lifecycle screen without saving.
  4. Select the Non-Pay tab.
  5. In the Payment section of the Non-Pay tab, select Disallow external payments (agent sweeps and electronic) against policies in Cancellation Pending for Non-Pay with the Poor Payment History.
  6. Select Save.

Note: The Disallow external payments (agent sweeps and electronic) against policies in Cancellation Pending for Non-Pay with the Poor Payment History setting and the Disallow external payments (agent sweep and electronic) against policies in Cancellation Pending for Non-Pay setting are mutually exclusive. Only one setting can be selected at a time.

Cancellation for reasons other than non-pay

If a policy is in cancellation pending for reasons other than non-pay, you can enable a setting that prevents payments by agents through agent sweep or outside payors through the Secure Checkout screen.

To enable the setting:

  1. Navigate to Settings > Modules > Policies.
  2. Select Edit under Policy Lifecycle. The Confirm dialog box will open with the following statement:

    You’re about to leave the page. Would you like to save your data before proceeding?

  3. Select Yes to save data and proceed to the Policy Lifecycle screen, or select No to proceed to the Policy Lifecycle screen without saving.
  4. Select the Non-Pay tab.
  5. In the Payment section of the Non-Pay tab, select Disallow external payments (agent sweeps and electronic) against policies in Cancellation Pending for Underwriting reasons.
  6. Select Save.

Enforce a minimum and maximum on the Secure Checkout screen

By default, agents and outside payors can pay any amount on a policy through agent sweep or the Secure Checkout screen, respectively. You can prevent agents and/or outside payors from under- or over-paying a policy when making a credit card or ACH payment through agency sweep or the Secure Checkout screen by enabling setting(s). There are separate settings created for agencies using agent sweep and outside payors using the Secure Checkout screen.

To enable the setting(s):

  1. Navigate to Settings > Modules > Policies.
  2. Select Edit under Policy Lifecycle. The Confirm dialog box will open with the following statement:

    You’re about to leave the page. Would you like to save your data before proceeding?

  3. Select Yes to save data and proceed to the Policy Lifecycle screen, or select No to proceed to the Policy Lifecycle screen without saving.
  4. Select the Payment tab.
  5. In the Options section, select one or both of the following checkboxes:
    1. Enforce minimum (currently due) and maximum (payoff amount) payment amounts when making electronic payments from the Secure Checkout screen.
      1. This setting will prevent outside payors from making electronic under or over-payments on the Secure Checkout screen.
    2. Enforce minimum (currently due) and maximum (payoff amount) payment amounts when making agent sweep payments.
      1. This setting will prevent agents from making under or over-payments through agent sweep.
  6. Select Save.