METAVANTE BILL PAYMENT SUPPORT

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1 METAVANTE BILL PAYMENT SUPPORT With this feature, Direct Connect end users are able to perform Bill Payment activity within their PFM software. The bill payment feature within PFM, will be integrated with their existing Metavante bill payment product within Internet Banking. Bill payment activity that occurs within the MV application within IB will sync to the PFM software. Likewise, Bill payment activity that occurs within the PFM software will be synced to the MV application within IB. 90 days of bill payment history is available. BP support will be available to an FI s Direct Connect end users if they support bill payment within Internet Banking. (Cash Management bill payment is not supported.) When an end user registers for bill payment within Internet Banking, they will be automatically enrolled for bill payment support for PFMs. End users must be enrolled for bill payment within Internet Banking in order to use bill payment within their PFM. The bill payment feature will be supported for the following PFM software types (current year plus two prior versions): Quicken Windows Quicken MAC Enabling Bill Payment within PFM In order for an account to be used for PFM bill payment, the account must be set up at Metavante. If the bill payment account is set up at Metavante, the account will be enabled for PFM bill payment when the account is set up and enabled for Online Services within the PFM software. There are no additional steps to set up a bill payment account within the PFM. The bill payment information at MV is downloaded to the PFM during the initial account download. If the Bill payment feature is added after the account is already set up within the PFM, the end user will need to activate the Bill payment service manually within the PFM. The following bill payment activity can be performed within the PFM software: Add/Edit/Delete Payees Add/Delete Single Payments Add/Delete Recurring Payment (Not supported by Quicken MAC) The lead time for bill payments created within the PFM is 4 days. This lead time is separate from the lead times available within the FI s bill payment application within Internet Banking. Bill payment is not supported. Quicken End User Experience for Bill Pay_Final9/24/ of 20

2 Quicken 2007 End User Experience For Quicken 2007, the end user can verify the bill payment account has been activated for bill payment by accessing the Account Overview tab from the Account Register. Refer screen below. Quicken End User Experience for Bill Pay_Final9/24/ of 20

3 Holding the cursor over the Online Payment field shows BP is activated with the FI s BP service. Refer screen below. Quicken End User Experience for Bill Pay_Final9/24/ of 20

4 For Quicken 2007, the end user can also verify the bill payment account has been activated for bill payment by accessing the Online Services tab within the Account Details. Refer screen below. Quicken Online Services: Quicken End User Experience for Bill Pay_Final9/24/ of 20

5 Payees Payees can be added, edited, and deleted via the Online Payee List. Updates to payee information are sent when payments are sent via the Update/Send function within the Online Center. In Quicken Windows payees can be modified as long as there are no outstanding payments due for the payee. If there are outstanding payments, the payee fields will be grayed out, and the user will not be able to modify any of the information until all payments have been delivered or canceled. If the payee does not have outstanding payments, all Payee information can be modified with the exception of the payment account number and name. These fields can not be modified at all. Payees can be added, edited, and deleted via the Online Payee List. Updates to payee information are sent when payments are sent via the Update/Send function within the Online Center. Refer screen below. Quicken 2007 Online Payee List: Quicken End User Experience for Bill Pay_Final9/24/ of 20

6 Online Center (Payments Tab) END USER EXPERIENCE QUICKEN The following defines the payment life cycle status as displayed on the Payments tab within the Online Center. 1. Payment status ready to send Payment is queued up and ready to send via Update/Send 2. Scheduled for delivery on Payment has been sent to the bill payment vendor waiting for payment date. 3. Online Payment processed on Payment has been processed by the bill payment vendor. 4. Cancel payment instruction ready to send Payment cancellation is queued up and ready to send via Update/Send 5. Payment canceled on Cancellation was sent to the bill payment vendor. Adding and Deleting Payments Payments can be added and deleted via the Payments tab in the Online Center. To add a payment, the end user enters the Payment information and selects Enter. Adding The payment is added to the payment list within the Online Center. The payment is sent when the Update/Send button is selected similar to how the transaction download is requested. Once the payment has been sent, the payment is then listed on the Payments tab as Payment request ready to send. Deleting To cancel a payment, the end user highlights the payment and selects Cancel Payment. The payment status is updated to Cancel payment instruction ready to send. When the payment instruction has been sent, the status is updated to Payment Canceled on Note: Payments can not be edited, they must be deleted and re-added. Quicken End User Experience for Bill Pay_Final9/24/ of 20

7 Adding The payment is added to the payment list within the Online Center. The payment is sent when the Update/Send button is selected similar to how the transaction download is requested. Refer screen below to add payment and update payment. Quicken 2007 Online Center (Payments Tab): Quicken End User Experience for Bill Pay_Final9/24/ of 20

8 Once the payment has been sent, the payment is then listed on the Payments tab as Payment request ready to send. Refer screen below to update payment Quicken 2007 Online Center (Payments Status List): Quicken End User Experience for Bill Pay_Final9/24/ of 20

9 To cancel a payment, the end user highlights the payment and selects Cancel Payment Refer below to cancel payment ( May need a print out from QA to show enabled cancelled button) Quicken End User Experience for Bill Pay_Final9/24/ of 20

10 The following defines the payment life cycle status as displayed on the Payments tab within the Online Center. 6. Payment status ready to send Payment is queued up and ready to send via Update/Send 7. Scheduled for delivery on Payment has been sent to the bill payment vendor waiting for payment date. 8. Online Payment processed on Payment has been processed by the bill payment vendor. 9. Cancel payment instruction ready to send Payment cancellation is queued up and ready to send via Update/Send 10. Payment canceled on Cancellation was sent to the bill payment vendor. Refer below to view status in 2007 Quicken. Quicken End User Experience for Bill Pay_Final9/24/ of 20

11 Quicken 2007 Online Center (Payments ) also shows payment status. Refer screen below. Quicken End User Experience for Bill Pay_Final9/24/ of 20

12 To set up recurring payments, the end user accesses the Repeating Online Payments list from the Online Center by selecting Repeating. Refer screen below. Quicken 2007 Online Center: Quicken End User Experience for Bill Pay_Final9/24/ of 20

13 The Repeating Online Tab provides a list of the recurring payments. Refer screen below. Quicken 2007 Scheduled Transactions List (Repeating Online Tab): Quicken End User Experience for Bill Pay_Final9/24/ of 20

14 To create a recurring payment, the end user selects Create New and then Scheduled Transaction and enters the payment information. To create an automatic recurring payment, Online Payment from Quicken must be selected in the Transaction Method and the Repeat this online payment automatically box must be checked. Quicken 2007 Scheduled Transactions List (Create New): Quicken End User Experience for Bill Pay_Final9/24/ of 20

15 The payment is then listed on the Repeating Online tab of the Scheduled Transaction List. The method column indicates Rept-Send. The payment is then queued to send. Refer screen below Quicken 2007 Scheduled Transactions List (Repeating Online Tab): Quicken End User Experience for Bill Pay_Final9/24/ of 20

16 When sent the Method column changes to Repeat, note that an Edit button is available however, recurring models must be deleted and then re-added. Refer screen below. Quicken 2007 Scheduled Transactions List (Repeating Online Tab): Quicken End User Experience for Bill Pay_Final9/24/ of 20

17 Once all of the bill payment activity is completed, the end user sends the instructions via the Online Center similar to when transaction downloads are requested. The update Summary provides information on the status of the sent request and if any errors occurred. Refer screens below. Quicken 2007 Online Center: Quicken 2007 Online Update Summary: Quicken End User Experience for Bill Pay_Final9/24/ of 20

18 Payments can also be viewed with the Quicken account register. Additional information about the payment can be obtained by highlighting the payment and selecting on the Status link. Quicken 2007 Account Register / Payment Status: Enabling BP accounts within Quicken MAC Quicken End User Experience for Bill Pay_Final9/24/ of 20

19 For Quicken MAC, the end user can verify the bill payment account has been activated for bill payment by accessing the Account Details screen. If the account is enabled at Metavante, the "Pay bills online: using your financial institution" option will be checked. The options in the dropdown menu will be grayed out if the account is not enabled for bill payment at Metavante. Quicken MAC 2007 Account Details: Quicken End User Experience for Bill Pay_Final9/24/ of 20

20 Payee Modifications and Deletes for Quicken MAC Quicken MAC does allow a Payee to be modified or deleted within the software, however, it does not send a payee modification or payee delete to the OFX server. When a payee is modified within Quicken MAC, a new payee is sent to the server, without the existing one being deleted. This results in extra payees being present within the MV BP web application that no longer exist within Quicken MAC. The MV BP web application will have multiple occurrences of the payee that was modified, each reflecting the difference of the latest modification. When a payee is deleted from within Quicken MAC, it is removed from Quicken MAC, but will still be listed within the MV BP web application. For each of the cases listed above, the end user will have to update the MV BP web application manually to sync it up with their Quicken MAC file. Otherwise, the modified/deleted payees will continue to be sent by the OFX server to the Quicken MAC software. Quicken End User Experience for Bill Pay_Final9/24/ of 20