Auto Pay Flags Guide

Automatic payment calculation is based on several settings within the Optis system. The combination of settings determines how much an automatic payment will be and when it will pull from a cardholder's checking or savings account. This summary explains how these settings will work together.

The three settings that go into the auto pay setup are:

• Next Payment Message Code (Default - set at 3).
• Statement to Posting date (Default - set at 99 which will pull the auto pay on the due date).
• Auto-Pay Flag (code) picked by the cardholder or the financial institution for the cardholder.

Auto Pay Flag 0 (Automatic Payments Disabled)

If an account has not been set up with auto pay, the automatic payment flag/code is set to zero. No payments are deducted from the cardholder’s checking or savings account.

Auto Pay Flag J or K (Customer Designated Amount)

These flags allow a cardholder to specify how much they want to pay on each due date. If auto pay flag J is chosen, the payment will pull from a checking account designated by the cardholder. If auto pay flag K is chosen, the payment will pull from a savings account designated by the cardholder.

Additional Information:

• If the customer designated amount is less than the unpaid minimum amount due, the system will withdraw the minimum payment amount from the designated checking or savings account.
• If the customer designated amount is greater than the last statement balance, the system will withdraw a payment in the amount of the last statement balance.
• Any additional (manual) payment or credit amounts made between the cycle date and the due date will be deducted from the cardholder designated amount.
• If a due date falls on a non-processing date (i.e., Saturday or a holiday) the automatic payment will be made on the prior processing date (i.e. Friday).
• A change to the designated amount will be effective after the next cycle date.
• The automatic payment flag can be moved back to 0 one day prior to the due date to stop an automatic payment from happening.
• The automatic payment flag can be changed from 0 to J or K one day prior to the due date for an automatic payment to happen.

Auto Pay Flag V or W (Customer Designated Amount Minus Cycle to Date Payments)

These flags allow a cardholder to specify how much they want to pay on each due date. If flag auto pay V is chosen, the payment pulls from a checking account designated by the cardholder. If flag auto pay W is chosen, the payment pulls from a savings account designated by the cardholder.

Additional Information:

• If the customer designated amount is less than the unpaid minimum amount due, the system will withdraw the minimum payment amount from the designated checking or savings account.
• If the customer designated amount is greater than the last statement balance, the system will withdraw a payment in the amount of the last statement balance.
• Any additional (manual) payment or credit amounts made between the cycle date and the due date will be deducted from the cardholder designated amount.
• If a due date falls on a non-processing date (i.e., Saturday or a holiday) the automatic payment will be made on the prior processing date (i.e. Friday).
• A change to the designated amount will be effective after the next cycle date.
• The automatic payment flag can be changed from 0 to V or W one day prior to the due date for an automatic payment to happen.

• The automatic payment flag can be moved back to 0 one day prior to the due date to stop an automatic payment from happening.

Auto Pay Flag 4 or 7 (Full Statement Balance)

These flags withdraw a payment in the amount of the last statement balance. If auto pay flag 4 is chosen, the payment pulls from a checking account designated by the cardholder. If auto pay flag 7 is chosen, the payment pulls from a savings account designated by the cardholder.

Additional Information:

• Any additional (manual) payment or credit amounts made between the cycle date and the due date will be deducted from the new balance amount to be pulled on the due date.
• If a due date falls on a non-processing date (i.e. Saturday or a holiday) the automatic payment will be made on the prior processing date (i.e., Friday).
• A change from any auto pay flag other than zero to any other auto pay flag other than zero (for example, current auto pay flag of 4 changing to an auto pay flag of 1) will be effective after the next cycle date. In other words, if this change is made one or two days prior to the due date the change will not be considered on that due date.
• The automatic payment flag can be moved back to 0 one day prior to the due date to stop an automatic payment from happening.
• The automatic payment flag can be changed from 0 to 4 or 7 one day prior to the due date for an automatic payment to happen.

Auto Pay Flag 1 or 5 (Unpaid Billed Minimum Payment Due)

These flags withdraw a payment in the amount of the last statement minimum payment due. If auto pay flag 1 is chosen, the payment pulls from a checking account designated by the cardholder. If auto pay flag 5 is chosen, the payment pulls from a savings account designated by the cardholder.

Additional Information:

• Any additional (manual) payment or credit amounts made between the cycle date and the due date will be deducted from the new balance amount to be pulled on the due date.
• If a due date falls on a non-processing date (i.e., Saturday or a holiday) theautomatic payment will be made on the prior processing date (i.e. Friday).
• A change from any auto pay flag other than zero to any other auto pay flag other than zero (for example, current auto pay flag of 1 changing to an auto pay flag of 2) will be effective after the next cycle date. In other words, if this change is made one or two days prior to the due date the change will not be considered on that due date.
• The automatic payment flag can be moved back to 0 one day prior to the due date to stop an automatic payment from happening.
• The automatic payment flag can be changed from 0 to 1 or 5 one day prior to the due date for an automatic payment to happen.

Auto-pay Flag 2 or 6 (Full Statement Balance or Unpaid Billed Minimum Payment Due)

These flags withdraw a payment in the amount of the last statement balance amount unless a credit or payment has already posted for that month. If a credit or payment has already posted for the month, an auto pay amount is withdrawn in the amount of any remaining minimum payment due. If auto pay flag 2 is chosen, the payment pulls from a checking account designated by the cardholder. If auto pay flag 6 is chosen, the payment pulls from a savings account designated by the cardholder.

Additional Information:

• If a due date falls on a non-processing date (i.e., Saturday or a holiday) the automatic payment is made on the prior processing date (i.e. Friday).
• A change from any auto pay flag other than zero to any other auto pay flag other than zero (for example, current auto pay flag of 2 changing to an auto pay flag of 4) will be effective after the next cycle date. In other words, if this change is made one or two days prior to the due date the change will not be considered on that due date.
• The automatic payment flag can be moved back to 0 one day prior to the due date to stop an automatic payment from happening.
• The automatic payment flag can be changed from 0 to 2 or 6 one day prior to the due date for an automatic payment to happen.