Click Pay and Payer Logins

There are two different ways that your customers, we refer to them as payers, can make payments:

• Click Pay
• Payer Login

Click Pay

Click Pay puts a payment link in your email messages sent to your customers. They click the link in your email and are immediately taken to the Make Payment page without having to create and account or remember a login user name and password.

The benefits of Click Pay are obvious. You get paid quickly by your customers because they don't have to create an account and they don't have to remember an account login.

Payer Login

During Click Pay your customers are informed that they can create an account or login if they already have an account. The benefits of your customers logging in are:

• Bill & Pay can remember their last payment account for them.
• Pay more than one invoice with a single payment choosing how to split the payment.
• See past invoices and payment history.
• View invoice PDFs with full line item detail.
• See and approve payment plans.
• Approve automatic payments.
• Choose up to three email addresses where Bill & Pay will send messages to.

Add Features to Click Pay

Some of the features that are not available to customers in Click Pay by default can be added. You can send a request to customer service to add any or all of the following features to Click Pay for your customers so they do not require a login to use them:

• Allow Click Pay users to pay more than one invoice. They will be able to choose to pay any or all invoices with an open balance in a single transaction.
• Allow Click Pay users to use "Invoices & Payments" page. This gives the customer access to past invoices and payment history. They will be able to view all invoice PDFs with full line item detail.
• Allow Click Pay users to use "Auto Pay" page. The customer will be able to approve and modify auto pay approval for their account.
• Allow Click Pay users to use "Payment Plans" page. The customer will be able to see and approve payment plans you have created.

By default all of these features require your customers to create a user name and password and login to protect their privacy. However, your business may decide that these features are not a privacy concern for your customers and that enabling them is a benefit.

Prevent Payer Logins

If you want to prevent your customers from creating a login you can request that account creation not be offered to your customers when using Click Pay. Some possible reasons you may choose this are:

• You do not want Bill & Pay to ever remember the customer's payment account information.
• You only want the customer to pay their invoices. You do not want them to look at past invoices or payments.

Disabling Click Pay

Bill & Pay's default configuration is a good balance between maintaining customer privacy protections and making payments as easy as possible to make. However, if your business or customers demand a higher level of privacy you can also request that Click Pay be disabled for your account. Customers will have to create a payer login and use that login everytime they make a payment.

If you choose to have Click Pay disabled, you can use the Invite Customers feature in Bill & Pay to invite your customers to create accounts. The new invoice notification email will also instruct them to create an account if they have not done so yet.