Payment FAQs

Online Billpay Service

• Standard Payment

• One-time payment
• Requires up to 2 business days to process
• FREE service

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• Rush Payment

• One-time payment that can be scheduled 365 days a year including weekends and holidays
• Payment will be credited the same day if submitted by 11:59pm EST
• Funds will not be available immediately
• A service fee applies

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• Recurring Payment

• Can be scheduled up to 365 days in advance
• Automatic deduction of payments in a fixed amount on the days you selected
• FREE service

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• Is the Online Bill Pay Service safe, secure and reliable?

Our Online Bill Pay Service utilizes state-of-the-art security, using the following methods to ensure your protection:

• SSL: The Online Bill Pay Service uses SSL (secure sockets layer) which ensures that your connection and the information are safe from outside inspection.
• Encryption: The Online Bill Pay Service uses 128-bit encryption to make your information unreadable as it passes over the Internet.

Automatic Sign Out: In addition, the Online Bill Pay Service automatically logs you out of a session if you are inactive longer than a pre-defined period of time (usually 10 minutes), and you are required to log in again to continue with the session. It is best if you log out immediately after making your payment.

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• Why did my Online Bill Pay session timeout?

We provide state-of-the-art security on our website, so as a means of protecting your privacy, we have set the system to timeout if there is no activity for at least 10 minutes.

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• What's the difference between a Standard Payment and a Rush Payment?

Standard Payment is free, but requires up to 2 business days to process your payment. Rush Payment Service facilitates same-day payments, but there is a charge for this service. You can access these options from any of the following pages: Account Overview, Statements, Payments pages.

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• How do I cancel the Online Bill Pay Service?

• Exit this FAQ page.
• Go to the Make a Payment box that is located in the middle of the Payments page and click the "Unenroll Bill Pay" link.
• Click the "Cancel Online Bill Pay Service" link.
• Your service will be immediately deactivated. You will need to re-enroll if you would like to use the service in the future.

When you cancel your service:

• Any payments made using the Online Bill Payment Service with a "Scheduled" status will be cancelled.
• Any payments with an "In Process" status will be paid from your Bank Account on the date you requested.

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• How do I check the status of my Online Bill Pay payment?

• Exit this FAQ page.
• Go to the Make a Payment box that is located in the middle of the Payments page.
• Click on the "Check Payment Status" link.

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Standard Payments

• Can I pay my bill online?

Yes. There are two ways to pay your bill online depending on how quickly you want your payment to reach us. From the Account Overview page select "Pay My Bill" from the Make a Payment box. If you want your payment to post within 2 business days or later, choose Standard Bill Pay. Select Rush Payment if you would like your payment to post sooner. (There is a fee for this service. Funds will not be available immediately.)

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• When should I use the Standard Payment option?

This payment option should be used if the day you want your payment to post is more than 2 business days from your due date.

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• Is there a fee to use the Standard Payment option?

No, there is no fee to use the Standard Payment Service.

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• How does the Standard Payment Service work?

The Standard Payment option allows you to conveniently make, change and cancel payments from any computer without the hassle of checks and stamps.


• You must initiate each payment.
• The service electronically deducts the payment from your checking or money market Account.
• You must enter your payment into the system at least 2 business days prior to the bill's due date to guarantee timely receipt. If you need to make a same-day payment, consider using the Rush Payment Service instead.
• You can also schedule recurring payments for your convenience, where payments are automatically deducted from your bank Account. There is no fee for this service.

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• Does the Standard Payment Service work with all types of banks and Accounts?

Only checking and money market Accounts that are electronic funds transfer (ACH) eligible may be used to make payments through the Online Bill Pay Service.

If a savings Account is used, your Bill Payment enrollment may be canceled.

Please contact your bank to confirm that it accepts electronic debits from a bill pay service before enrolling.

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• Can I use multiple bank Accounts to pay my credit card bill with the Standard Payment Service?

Yes. You can use up to three bank Accounts to make your credit card payment.

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• When I sign up my bank Account for the Online Bill Pay Service, what information will I need to provide?



• A valid ABA routing number that is electronic funds transfer (ACH) eligible. This number is located on the bottom of your check.
• Your checking Account number, which is also located at the bottom of your check.

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• How do I make a payment?

• Exit this FAQ page.
• Click the "Pay My Bill" button.
• Select a "Payment Type."
• Enter your payment date and payment amount and click the "Continue" button.
• Verify your payment and click the "Submit" button to complete the request.
• You'll then receive a confirmation number.

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• When will the payment show on my credit card Account Overview screen?

Payments will appear on your credit card Account Overview page, where you first logged in, approximately two business days after the date you selected your payment to post.

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• When is the payment deducted from my Bank Account?

Your payment will be deducted from your Bank Account on the date that you entered in the "Payment Date field." To view this payment date:

• Exit this FAQ page.
• Select the "Check Payment Status" link from the Make a Payment box located on the Payments page.

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• How soon will my Online Bill Pay Service update my available credit?

Your credit is usually available on the day your payment appears on your credit card account. However, in some cases, it may take up to 14 days for your available credit to be updated.

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• What should I do with the paper statement and payment coupon that is mailed to my home?

You do not need to use your payment coupon when using the Online Bill Pay service. You may either keep the statement and payment coupon for your records, or shred and discard them.

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• How do I confirm that my payment was processed?

• Exit this FAQ page.
• Select the "Check Payment Status" option from the Make a Payment box that is located in the middle of the Payments page.

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• What should I do if my payment was unsuccessful?

An "unsuccessful" status usually indicates that we were unable to deduct your payment from the Bank Account on file.

• Exit this FAQ page.
• Select the "Update Banking Info" link from the Make a Payment box located on the Payments page.
• Verify that your Bank Account information is correct.
• If your Account information is correct and sufficient funds are available, make a new payment by clicking the "Schedule a Payment" link on the left side of the page.
• If your payment is unsuccessful a second time, .

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Rush Payments

• When should I use the Rush Payment option?

Select the Rush Payment option if you want to make a same day payment. A fee does apply. (Payment may take up to 3 days to display online.)

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• Is there a fee to use the Rush Payment option?

You can view the Rush Payment fee by:

• Exit this FAQ page.
• Go to Payments page.
• Fee is displayed in the "Online Bill Payment Options" box.

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• How can I verify that my Rush Payment was credited to my Account?

A Rush Payment request received will appear on the View Account page in approximately 2 business days from the payment date you entered.

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• When will the Rush Payment I scheduled be credited to my Account?

If you are scheduling your payment the same day you want it to post to your Account, you must submit the request prior to 11:59 p.m. ET today to have it credited with today's date. This payment will appear on the View Account page in approximately 2 business days.

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• If my payment is due today and I make a Rush Payment, will my payment still be credited with today's date?

Yes. If you make your payment request prior to 11:59 p.m. ET, your payment will be credited as of today's date and will appear on your View Account page in approximately 2 business days.

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• How soon will a Rush Payment update my available credit?

Your credit is usually available on the day your payment appears on your credit card account. However, in some cases, it may take up to 14 days for your available credit to be updated.

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• Can I cancel the Rush Payment I scheduled?

Any payments made using the Online Bill Payment Service with a "Scheduled" stateus can be cancelled or edited.

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• What type of bank Account can I use to make a Rush Payment?

Rush Payments can only be made from a personal checking or money market Account held at a U.S. bank or financial institution that is electronic funds transfer (ACH) eligible. Savings Accounts and debit cards are NOT accepted.

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Recurring Payments

• How do I set up a recurring payment?

• Exit this FAQ page.
• Click the "Pay My Bill" link.
• Select the Recurring Payment option.
• Enter your payment date, payment amount, and the number of payments, then click the "Continue" button.
• Verify your payment and click the "Submit" button to complete the request.
• You'll then receive a confirmation number.

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• How far in advance can I schedule out my recurring payments?

You can schedule your payments up to 365 days in advance. There is no fee for this service.

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Edit/Cancel Payments

• Can I cancel my scheduled recurring payments?

Yes, you may cancel any recurring payment that has a "scheduled" status at any time. You will then need to log in and pay your Account with the Standard Payment service each month.

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• How do I change or cancel payments?

• Exit this FAQ page.
• Go to the Make a Payment box that is located in the middle of the Payments page and click the "Edit/Cancel Payment" link.
• To change or cancel a payment, click Edit or Cancel, next to the payment shown. Only payments made using the Online Bill Payment Service with a "Scheduled" status can be edited or cancelled.

Status	Definition
Scheduled	Payment will be received on the date shown.
In Process	Payment is being processed and will be received on the   date shown. This payment cannot be edited or cancelled.
Processed	Payment was successfully processed on the date shown.
Cancelled	This payment was cancelled. It will not be processed.
Unsuccessful	We were unable to deduct your payment from the bank Account   you provided.

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• What is the cut-off time to edit/delete a standard payment?

The deadlines to cancel a Standard online payment are:

• Payments requested before 4:00 p.m. ET Monday-Thursday, must be cancelled on that same day before 4:00 p.m. ET.
• Payments requested anytime on Friday, Saturday and up to noon ET on Sunday, must be cancelled by noon ET on Sunday.
• Payments requested after 4:00 p.m. ET Monday-Wednesday, must be cancelled by 4:00 p.m. ET the next business day.
• Payments requested after 4:00 p.m. ET Thursday-noon ET on Sunday, must be cancelled by noon ET on Sunday.

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• What is the cut-off time to edit/delete a rush payment?

The cut-off time for edit/delete a rush payment is 11:59pm Eastern Time on the day your scheduled your payment. You will not be able to make any change to your rush payment after 11:59pm EST.

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Payment Posting Timeframes

• How long does it take to process my Standard Payment or Recurring Payment?

Please allow up to 2 business days, and for more information, please refer to the chart below.

Cut Off Time1 Before 4 p.m. EDT	Payment Date2	View Payment Online3
Monday	Tuesday	Wednesday
Tuesday	Wednesday	Thursday
Wednesday	Thursday	Friday
Thursday	Friday	Saturday
Friday	Monday	Tuesday
Saturday	Monday	Tuesday
Sunday 12:00 noon EDT	Monday	Tuesday

1. Cut Off Date: Time that you submitted your Payment Request.
2. Payment Date: This is the Earliest Day a Payment Can be Applied*.
3. View Payment Online: This is the Earliest Day a Payment can be Viewed Online.
*Standard and Recurring payments are not processed on New Year's Day, Martin Luther King Jr. Day, Presidents Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving or Christmas.

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• Can I schedule a payment to post on a weekend or a holiday?

Standard Payments can only be processed on a business day. If you schedule your payment to be processed on a weekend or holiday, the system will automatically adjust the date to the preceding business day (See chart above). If you are running late, to avoid a late fee, please consider using the Rush Payment Service (Rush Payment can be requested 365 days a year including weekends and holidays).

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• How long does it take to process my Rush Payment?

Cut Off Time1 Before 11:59 p.m. EDT	Payment Date2	View Payment Online3
Monday	Monday	Wednesday
Tuesday	Tuesday	Thursday
Wednesday	Wednesday	Friday
Thursday	Thursday	Saturday
Friday	Friday	Monday
Saturday	Saturday	Monday
Sunday	Sunday	Tuesday

1. Cut Off Date: Time that you submitted your Payment Request.
2. Payment Date: This is the Earliest Day a Payment Can be Applied*.
3. View Payment Online: This is the Earliest Day a Payment can be Viewed Online.
* Rush Payments can be requested 365 days a year, including weekends and holidays.

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Payment By Phone

• Will I be able to view a payment I sent in the mail?

You can view payments made via check on your Account Overview page once posted.

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• What is an Automated Telephone payment?

This is a payment that was scheduled using our voice response system available via the Customer Service number provided on the back of your card.

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• If I want to edit or cancel a Customer Service assisted payment, what can I do?

Only payments made via the Online Bill Payment Service can be updated online. For all other payments, please refer to the Customer Service number provided on the back of your card.

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• If I want to edit or cancel a Automated Telephone payment, what can I do?

Only payments made via the Online Bill Payment Service can be updated online. For all other payments, please refer to the Customer Service number provided on the back of your card.

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• How can I check a payment I made using the Automated Telephone system?

Go to the "Payments" tab and click on the "Check Payment Status" link in the Payment Service Box. You will be able to view the payment there. Automated Telephone Payments have a telephone icon next to them.

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• How can I check a payment I made with the help of a Customer Service Representative?

Go to the "Payments" tab and click on the "Check Payment Status" link in the Payment Service Box. You will be able to view the payment there.

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• What is a Customer Service assisted payment?

This is a payment that is scheduled with a Customer Service Representative.

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Direct Mail Payment Information

• Payment Addresses:

Payment Address:
CompassInspire MasterCard
PO Box 60102
City of Industry, CA 91716-0102

Overnight Address:
CompassInspire MasterCard
ATTN: Exception Dept
1301 E. Tower Road
Schaumburg, IL 60173


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