How To Split Automatic Payment
Through split automatic payment you can accept a payment from multiple auto pay sources (i.e banks) with contribution in percentage of payment amount to be set for each auto pay source.
You can create a payment from multiple auto pay sources with contribution of payment in percentage of auto pay amount. Contribution from each auto pay sources (i.e Bank Accounts) are set as percentage in Auto Pay records.
The payment methods for auto payments are as follows:
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Bank Account as payment method.
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Credit Card as payment method.
For example customer can setup two Auto Pay Sources under split as follows:
| Account ID | Auto Pay ID | Auto Source Code | Auto Pay Route Type | Priority | Percentage | Start Date | End Date |
|---|---|---|---|---|---|---|---|
| 9090908298 | 12344 | Bank of America | ACH | 1 | 60 | 01-01-2016 | |
| 9090908298 | 67467 | Chase Bank | ACH | 1 | 40 | 01-01-2016 | |
| 9090908298 | 74674 | Citi Bank | ACH | 2 | 70 | 01-01-2016 | |
| 9090908298 | 74674 | Barclays Bank | ACH | 2 | 30 | 01-01-2016 |
In the above example, set of banks (i.e. Bank of America, Chase Bank) with Priority 1 are always eligible for Auto Payment unless they are ended with end dates. Second set of banks are eligible beyond end dates of the 1st set.
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Bill-1: $100; Bill Due Date, 1-2-2016 ; Eligible Auto Pay Sources of priority - 1
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Payment Event-1: $60; Pay Tender Auto Pay with Auto Pay Source Type=Bank of America; Pay Tender ID=1; Tender Amount $60
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Payment Event-2: $40; Pay Tender Auto Pay with Auto Pay Source Type=Chase Bank ; Pay Tender ID=2 ;Tender Amount $40
| Account ID | Auto Pay ID | Auto Source Code | Auto Pay Route Type | Priority | Percentage | Start Date | End Date |
|---|---|---|---|---|---|---|---|
| 9090908298 | 12344 | Bank of America | ACH | 1 | 60 | 01-01-2016 | 7-1-2016 |
| 9090908298 | 67467 | Chase Bank | ACH | 1 | 40 | 01-01-2016 | 7-1-2016 |
| 9090908298 | 74674 | Citi Bank | ACH | 2 | 70 | 01-01-2017 | |
| 9090908298 | 74674 | Barclays Bank | ACH | 2 | 30 | 01-01-2017 |
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After 7-1-2016 the set of banks with Priority 2 are eligible to source the Auto Payment.
If splitting of a payment is not required then you need not set any amount in the percentage field, system will automatically convert the contribution from the auto pay source to 100%.
If two or more Auto Pay records exist for the same period then the record with highest priority will be used for auto payment.
Auto-Pay for bill in credit is not supported.
A user can set any combination of Auto Pay Source Types and Auto Pay Route Types.