10 Auto Pay

This topic provides the systematic instructions to user for updating and deregistering auto-pay instructions associated with a credit card.

Missing a credit card payment or not having the time to make the payment is a common occurrence. Penalties and extra charges are bound to be applied if a user fails to make a credit card payment on time. In order to help users avoid such situations, the application supports the auto pay functionality. This feature enables a user to set automatic payment instructions for a specific credit card.

While setting up the auto pay instruction, the user identifies whether the minimum amount due has to be paid or whether the total amount due has to be paid or specific amount has to be paid. The user is also required to identify the linked current or savings account from which the funds are to be debited in order to make the payment.

The Auto pay instruction is executed as per the credit card bill cycle for the selected card. The user can de-register from auto pay at any time.

To update and de register the Auto Pay instruction for the Credit Card:

1. Perform anyone of the following navigation to access the inactive Credit Card Details screen.
   • From the Dashboard, click Toggle menu, click Menu, and then click Credit Cards. Under Credit Cards, click Auto Pay.
   • From the Search bar, type Credit Cards – Auto Pay.
   • Access through the kebab menu of transactions available under the Credit Cards module.

   The Auto Pay screen appears.

   Figure 10-1 Auto Pay Register

   
   

   
   Description of "Figure 10-1 Auto Pay Register"

   
   

   Note:

   The fields which are marked as Required are mandatory.

   For more information on fields, refer to the field description table.

   Table 10-1 Auto Pay Register - Field Description

   Field Name	Description
   Select Card	Select the credit card for which auto pay instructions are to be set or modified.
   You currently are not registered for Autopay. Would you like to register?	This text is displayed on the screen if no auto pay instruction has been set for the credit card. The user can proceed to set an auto pay instruction by selecting the Yes option or can reject setting up the instruction by selecting the No option.

2. From the Select Card list, select the credit card for which auto pay instructions need to be set/modified.
3. If the selected credit card has not been registered for the auto pay facility, a message is displayed on the screen informing the user of the same.
   The user is provided with the option to register the credit card for automatic payments.
4. Perform one of the following actions:
   • Click Yes to set the Auto Pay instruction.
   • Click No to cancel the transaction.

   Figure 10-2 Auto Pay

   
   

   
   Description of "Figure 10-2 Auto Pay "

   
   

   Note:

   The fields which are marked as Required are mandatory.

   For more information on fields, refer to the field description table.

   Table 10-2 Auto Pay - Field Description

   Field Name	Description
   Card Number	Select the credit card for which auto pay instruction is to be set or modified.
   Select Amount for Autopay	The user can identify whether the total amount due or the minimum amount due is to be paid every billing cycle. The options are: Total Due Minimum Due Specify Note: In case of Auto payment of credit card using Specify option i.e. specific amount, the retail user will have the facility to set up some specific amount which he/she wants to pay in each cycle irrespective of the minimum due amount or overall due amount.
   Amount	The amount to be auto paid against the credit card bill per billing cycle. This field will be displayed only if the option Specify has been selected in the previous field.
   Source Account	Select the current or savings account number from which the amount is to be debited for credit card bill payment.

5. Specify whether the total amount due or the minimum amount due or a specific amount is to be paid per billing cycle.
6. From the Account Number list, select the current or savings account number that is to be debited for credit card bill payment per cycle.
7. Perform one of the following actions:
   • Click Submit to update the Auto Pay Instruction.

     The Review screen appears.

   • Click Cancel to cancel the Auto Pay Instruction.

   Note:

   The De-register option is available only if auto pay has already been set up for the credit card. If the user opts to deregister the credit card for auto payment, the review screen will be displayed followed by the confirm screen once the user confirms deregistration.
8. Perform one of the following actions:
   • Verify the details and click Confirm.

     The success message of credit card PIN generation appears.

   • Click Back to navigate back to the previous screen.
   • Click Cancel to cancel the transaction.
9. Perform one of the following actions:
   • Click Home to go to the Dashboard screen.
   • Click View Card Details to visit the card details page.