Loan Screens > Transactions Screen Group > EZPay in CIM GOLD > EZPay Payment Submission Process

Once you have established the payment method, type, amount, name, and account, the final step in the EZPay Payment Submission Process is submitting the payment. Once all information on the EZPay screen is accurate, click in the bottom-right corner of the screen.

After the transaction is confirmed, payment information is transmitted to a secure server at GOLDPoint Systems. The user’s credentials are then re-validated on the host.

If the transaction requested is a Debit/Credit card payment, the card number and expiration date are validated, the host transaction is performed, and a card authorization request is sent to your institution's card processor for approval. If approved, a confirmation number is assigned and returned to the screen. If denied, the host transaction is reversed and the appropriate error message is displayed. See Declined Credit Cards for more information about alert settings and institution options pertaining to denied cards.

If the transaction requested is an E-Check payment, the host transaction is performed and the appropriate ACH transaction is queued to be sent in the following nightly processing to your institution’s correspondent bank or ACH operator.

Additionally, a letter can be generated using GOLD EventLetters to notify customers that a payment was made. These letters are optional, as explained in the EZPay Event Letters topic.

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. 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 or equal to the run date (CurrentDate).

Queues > Collection > Queue Administration Screen

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

Note: Optionally, you can create a GOLDWriter report involving Promised Payment follow-ups and tie the GOLDWriter report to a Contact Queue with the same name as the GOLDWriter report. For more information and step-by-step instructions, see the Creating Contact Queues topic in the Queues > Contact Queues > Definition screen help.

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. It is found on the Setup tab.

If you are a supervisor, you should make a daily habit of checking the Afterhours Processing Exceptions Listing Report (FPSRP013). This report shows any payments that were rejected in the afterhours for various reason. Some common reasons are:

Error	Description
GL ACCT NNNNNN MISS	The G/L account for EZPay fees is missing. You'll need to check the G/L accounts set up for your institution to make sure they are valid. G/L accounts are set up in one of two places, depending on if institution option EGPO (EZPay G/L Posting By Office) is set. •If EGPO is not set, EZPay fees are set up using the EZPay Fee field on the GOLD Services > General Ledger > G/L Account By Loan Type screen. The offset General Ledger account for that amount is set up in the EZPay Offset field on the same screen. These G/L accounts are determined by the Loan Type of the account. •If institution option EGPO is set, the system uses the G/L accounts on the GOLD Services > Office Information screen > G/L Accounts tab for the office of the account. See the G/L Accounts tab on the Office Information screen for more information.
LOAN PAST MATURITY - PAYMENT NOT PROCESSED	This usually occurs when a loan is set up with recurring payments, when during the recurring payment process, the loan reaches maturity. If the Stop Recurring at Maturity option (LNASTP) is selected, then any payments on loans that are past the Maturity Date will not be allowed recurring or one-time payments. You can either unselect the Stop Recurring at Maturity option on the Loans > Account Information > Payment Information screen, or you can use your institution's policies for handling matured accounts. For example, your institution may require employees to contact the borrower that their account is matured and to make a payoff.
PRINCIPAL BALANCE WOULD GO NEGATIVE	This message occurs when recurring or future payments would pay off the loan and your institution does not allow scheduled payments to pay off a loan (institution option SPYO is not set). When a recurring or future payment would pay off the loan, the last payment is rejected during afterhours processing. The account is included in the Afterhours Processing Exceptions Listing (FPSRP013) with the description "PRINCIPAL BALANCE WOULD GO NEGATIVE." You would follow your institution's policies at that time, such as call the borrower about paying off their loan or renewing their loan. If the loan is ready to be paid off, you would need to pay off the loan using the Loans > Payoff screen. See the Recurring Payments - Payoff topic for more information.

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	Back to Step 5: Account/Card Selection

Step 6: Submitting the Payment

Step 6: Submitting the Payment