Loans > Loan Screens > Transactions Screen Group > EZPay Screen > Using the EZPay Screen > Step 2: Payment Types

Select the Scheduled One Time Future Payments radio button (if you have the proper field level security) to schedule one-time future payments using EZPay. If future payments are already set up on the account, the Pending Payments Information Banner at the top of the screen will display information about the existing schedule.

Selecting this radio button allows you to use the adjacent grid to indicate date and payment amount information for future payments (see example screenshot below). The number of future payments you are allowed to schedule can be as high as eight and is determined by the Max Nbr Pmts Period (EZMNPP) option. The One Time Period Days (EZMTPD) option determines how far in the future you can schedule future payments. The system will calculate the Fee, 3rd Party Fee, and Total columns automatically based on the third party and ACH/card options set up for your institution (these columns may not even be visible at all). Fees and 3rd Party Fees can be waived by marking the Waive Fee checkbox to the right of each fee in the grid (if the pertinent options and field level security are available to you; see Fees and Third Party Fees for more information). Any previously-created future payment can be canceled by marking the Cancel checkbox to the right of the fee in the list view and clicking <Cancel Payment>.

Once this radio button is selected and the desired payment schedules are set up, proceed to Step 3: Payment Amount. If you encounter any error messages during the payment submission process, see Troubleshooting for information about how to resolve them.

	IMPORTANT: Action Code 62 prevents one time future payments from being set up in EZPay. See help for this action code for more information.

One Time Future FAQs

Open the toggles below for more detailed information about scheduled one time future payments in EZPay:

An EZPay option is available that will also add a collection Promised Payment record (QHHAHD) to the Collection Comments screen (or Contact tab of the Marketing and Collections screen) when future payments are set up on the EZPay screen. If you have security and the know-how to build queues using the Collection Queues system, you can build a queue based on the Follow-up Date in the Collection record (this date can be determined automatically using the Follow Up Days option (EZFUDY)). Then collectors can call and remind borrowers about upcoming future payments; email them reminders; text them reminders; or even send a letter reminding them of upcoming payments. All of this can be done using the Collection Queues system.

For more information, see the Collection Queues help. If you are responsible for building the queues using the Queue Administration screen, the record to use the follow-up date is FPQA (Collection Account) and the Follow-up Date field is mnemonic QAFDTE. In the example below, we set up a queue where the Follow-up Date is greater than the run date (CurrentDate, as found in the LN_PD_DATES record).

Queues > Collection > Queue Administration > Definitions, then <Build Queues>

See the Collection Queues system for more information about how to build queues and assign queues to collectors.

Tip: If you want Promised Payment actions to be more visible on the Collection Comments screen, you can set them to be a different background color using the Queues > Collection > History Configuration screen. Highlighting the Promised Payments will help users quickly identify to pay close attention to those items, as shown below.

Click to expand.

When setting up the background on the History Configuration screen, click <Create New Action Code Entry>, and in the Action Code field, enter "PP" for Promised Payment.

	GOLDPoint Systems Only: The EZPay option to set on the EZPay IMAC Table for a Promised Payment to process after a future payment is made is called Write Collection Record (EZWRCR).

One-time future payments via eCheck (ACH) are saved in the FPAS Record (One Time Loan ACH Payments). The Loans > Account Information > Payment Information screen displays all one-time ACH future payments set up for the account. See the ACH Payments tab help on the Payment Information screen for more information.

The following is a list of fields in the FPAS record you can use in GOLDWriter or GOLDMiner reports:

Field	Description
Office Number, Account Number (ASACTO, ASACTA)	This is the office number and account number of the account where the future ACH payments were set up.
ACH Account Number (ASACH#)	This is the checking or savings account number used for the future payment. This account number is set up and selected from the External Accounts link. This number is the same as the Auto Payment Account Number below.
Additional Principal (ASOPMT)	If any additional principal was included when the future payments were set up, this field will display the amount of additional principal.
Amount To Pay (ASAMTP)	This is the amount of the future payment. This does not include any fees. This account number is set up and selected from the External Accounts link.
Auto Payment Account Number (ASANBR)	This is the ACH account number used to post the e-check payment to. This number is the same as the ACH Account Number above.
Auto Payment Bank Number (ASABNK)	This is the routing number of the bank where the ACH payment account resides. This account number is set up and selected from the External Accounts link.
Auto Payment Savings (ASACCK)	This field is a Y/N field. If "Y," this indicates that the external account used to make this payment is a savings account. Users can indicate whether the account is a savings or checking account when setting up the account using the External Accounts link.
Date Created (ASDTCR)	This is the date future payment was created, not the date the future payment will be made.
Date Posted (ASDTPT)	This is the date the future payment was posted to the account. Usually this is the same date as the Effective Date (see below).
Effective Date (ASEFDT)	This is the effective date of the future payment when the system will pull the ACH payment. This will be the same as the Date Posted (see above). Semi-monthly frequencies (24) only pull payments on the 5th and 20th of each month, unless the Optional Semi Monthly option is set up on the account. If that option is set, the system will pull payments based on a 1-15-1-15 pattern or a 1-16-1-16 pattern. See the Optional Semi Monthly description for more information.
Fee Amount (ASFAMT)	This is the amount of any fees for allowing future payments, if your institution has those fees. The fee amount is set up by your GOLDPoint Systems account manager (see EZPay Options). Field-level security can also be enabled that restricts users from changing or erasing the fee amount during the setting up of the future payments.
GPS Conv Fee (ASGPSF)	This is the amount of any third-party fees charged to the customer, if your institution has those fees. The third-party fee amount is set up by your GOLDPoint Systems account manager (see EZPay Options). Field-level security can also be enabled that restricts users from changing or erasing the third-party fee amount during the setting up of the future payments.
Sequence Number (ASSEQ2)	This is the sequence of the future payments, if more than one payment was set up in the grid view. The first payment will be sequence 1; second will be sequence 2; third is 3; and so forth. Up to 8 sequences can be entered in the grid view.
TEL Created SEC (ASTELS)	This field is "Y" if a teller created this payment using the EZPay screen in CIM GOLD. If "N," the future payment was set up on your website.
WEB Created SEC (ASWEBS)	This field is "Y" if the customer set up the future payment using your website (GOLD Account Center). If "N," the future payment was set up by a teller using the EZPay screen.
Teller Number (ASTLLR)	This field displays the number of the teller who submitted the future payment, if the future payment was set up on the EZPay screen in CIM GOLD. If set up using your website, this will display the teller number that indicates web teller. It may also indicate that it was a systems afterhours transaction (teller number 8910).
Stop Loan Auto Pay (ASSLAP)	This field displays "Y" if the Sequence Number of the future payment was canceled (Cancel box checked).
Waive GPS Conv Fee	This field is "N" if the teller waived the third-party processing fee, if your institution has those. If "Y," the teller waived the third-party processing fee. Field-level security can also be enabled that restricts users from waiving the third-party fee during the setting up of the future payments.

One-Time Future Payments

One-Time Future Payments