Biller direct is a bill payment service that allows you to make bill payments to certain third-party service providers “Payees” by accessing your accounts on such Payees’ websites and online services. The payment service allows you to make bill payments using funds from CommunityBank of Texas accounts with your bank debit card or account and routing number.
Are there any fees to use this service?
The bank does not charge a fee to use this service, but the payee may charge a fee for payment. It will be disclosed to you before you accept to process the payment.
How are returned payments handled?
If there are any issues with making payment via a linked card, the customer will be notified that the payment could not be submitted and will be instructed to fix the issue within Biller Direct. In the event an ACH payment was sent; the backend returns process will function like any other ACH return. Biller Direct will update with the past due amount due to the return once the biller's website is updated with the changed balance.
What happens if a card expires or is deactivated?
If a payment fails to process because of an expired or deactivated card, the customer will be notified that the payment failed.
Are there any notifications available for payments?
Customer will enter email and SMS information. The customer can control their notification settings within the system. Biller Direct sends notifications that are triggered by 8 specific events.
- When a new bill is issued payee name, bill amount and due date.
- When a balance change on the bill occurs.
- When a payment is processing.
- When a bill is paid.
- When a payment is declined.
- When a hold is placed on a bill
- When the credentials for a provider are invalid
- When a requested provider is added to Biller Direct
What if I do not see a biller I want to pay?
Customers can request new billers be added to the system. When they search for a biller we do not currently support, they can click 'Can't find it' and request the biller be added. Upon receipt, the Product Owner will review the request and determine if there is enough value for biller to be added and automated.
Can I pay other people using Biller Direct?
No. Biller Direct is only used for paying merchants that support electronic payments of bills via their website.
What happens if a customer sets up recurring payments through Biller Direct but already has them set up on the biller website?
If Biller Direct detects an existing recurring payment, we will display that to the customer. We will not make any changes to that recurring payment, except for switching the funding source if the customers add a card or account as the payment method for that card. Biller Direct will not cancel or add a second recurring payment.
Can I change the schedule of my payment?
You can edit the scheduled date for any non-recurring bill payment until the payment starts processing. Recurring payments are automatically set to pay on the day before the bill is due.
When will my bill pay if it is set on autopay?
We will submit the payment 1 day before the due date.
When can I make a payment on a bill?
Once the payment is marked as due on the biller website, it will be available to pay in Biller Direct.
How long does it take for the payment to show up on the biller portal?
That is dependent upon the individual merchant. Some merchants will process payments as a card-not-present POS transaction (think Amazon purchases) and their portal will update as soon as the transaction is submitted by the Biller Direct automation process. Other merchants process transactions sometime after the end of the business day and typically post that to their portal the following day. Some merchants also batch process transactions during specified times during the week. These merchants will update that the bill has paid but will not process the payment until their specified batch times.
When will the funds be withdrawn from my account?
This is also dependent on the individual merchant. Merchants that process payments in near real-time using a credit/debit cards will typically post those payments immediately and the funds will be withdrawn like a debit card POS transaction. Merchants that do not process payments in this way will typically see a 1-3-day time frame for funds being deducted from the user's account.
Can I future date a payment?
Yes, a payment can be scheduled in advance up until the due date of the bill. After the due date has past, payments can only be made for the same day.
Can I pay more than the due amount or pay a partial amount?
We do not currently support partial payments or payments exceeding the amount due.
How long do I have to cancel a payment?
You can cancel a payment up until the payment moves into a processing status on the payment date.