# Apply external payments

The external payment tools record checks, wires, and money orders in the loan ledger. Applying an external payment does not process the payment — it only creates a ledger entry. You must deposit or receive the funds through your own banking processes. After the payment clears or fails, update its status using the [Manage payments](/servicing-operations/agent-only-tools/agent-tools-manage-payments) tool.

**Availability:** All clients
**Required permissions:** `payment.instrument:external` AND `transaction:create` (both required)
**Loan status:** `active`, `accelerated`, or `chargedOff`
**Loan types:** All

## Before you begin

- External payments are not processed by Peach. You are responsible for depositing the check or receiving the wire/money order through your lender's bank account.
- After applying the payment, use the [Manage payments — Change payment status](/servicing-operations/agent-only-tools/agent-tools-manage-payments#change-payment-status) action to update the status when the payment succeeds or fails.
- For Line of Credit loans, you can apply the payment to a specific draw or let it allocate across all draws.


## Apply an external check

1. From the agent-view Borrower Portal, open the loan and select **Loan options** > **Apply external check**.
2. Enter the **Check payer full name**.
3. The **Effective date** is set automatically.
4. Enter the **Amount**.
5. Enter the **Routing number** (9 digits). The system validates the routing number and displays the bank name if valid.
6. Enter the **Account number**.
7. Enter the **Check number**. The routing number, account number, and check number can be found in the bottom-left corner of the check.
8. Select the **Account type**: Personal or Business.
9. Select the **Check status**: Processing, Failed, or Succeeded.
10. If you selected **Failed**, select a **Failure reason** from the dropdown.
11. For Line of Credit loans, select the scope from the **Applicable to** dropdown. See [Global behaviors — Applicable-to selector](/servicing-operations/agent-only-tools/agent-tools-overview#applicable-to-selector).
12. If your company requires a Case ID, select a case from the **Case ID** dropdown. See [Global behaviors — Case ID requirement](/servicing-operations/agent-only-tools/agent-tools-overview#case-id-requirement).
13. Select **Apply check**.


### Check field reference

| Field | Description | Required | Values / Format |
|  --- | --- | --- | --- |
| **Check payer full name** | The name of the person who wrote the check. | Yes | Text |
| **Effective date** | The date the payment is recorded. | — | Date (auto-set) |
| **Amount** | The check amount. | Yes | Currency |
| **Routing number** | The bank routing number. Must be exactly 9 digits. Validated via bank lookup. | Yes | 9-digit number |
| **Account number** | The bank account number. | Yes | Text |
| **Check number** | The check number printed on the check. | Yes | Text |
| **Account type** | The type of bank account. | Yes | Select: Personal, Business |
| **Check status** | The current processing status of the check. | Yes | Select: Processing, Failed, Succeeded |
| **Failure reason** | The reason the check failed. Only shown when status is **Failed**. | Conditional | Select: Insufficient Funds, Account Closed, Invalid Account, Unknown Reason, Account Frozen, Deceased, Invalid Routing, Payment Stopped, Fraudulent |
| **Applicable to** | Whether to apply the check to the full line of credit or a specific draw. Only shown for LOC loans. | Conditional | Select: Line of credit and draws, or a specific draw |
| **Case ID** | The case associated with this action. | Conditional | Select from open cases. Required when `forceCaseIdOnAgentActions` is enabled. |


## Apply an external wire

1. From the agent-view Borrower Portal, open the loan and select **Loan options** > **Apply external wire**.
2. The **Effective date** is set automatically.
3. Enter the **Amount**.
4. Select the **Wire type**: Domestic or International.
5. Enter the **Wire number**.
6. Optionally enter the **Account number**, **Routing number**, and **Institution name**. These fields are optional but help with record-keeping.
7. Select the **Wire status**: Processing, Failed, or Succeeded.
8. If you selected **Failed**, select a **Failure reason** from the dropdown.
9. For Line of Credit loans, select the scope from the **Applicable to** dropdown.
10. If your company requires a Case ID, select a case from the **Case ID** dropdown.
11. Select **Apply wire**.


### Wire field reference

| Field | Description | Required | Values / Format |
|  --- | --- | --- | --- |
| **Effective date** | The date the payment is recorded. | — | Date (auto-set) |
| **Amount** | The wire amount. | Yes | Currency |
| **Wire type** | Whether the wire is domestic or international. | Yes | Select: Domestic, International |
| **Wire number** | The wire reference number. | Yes | Text |
| **Account number** | The bank account number associated with the wire. | No | Text |
| **Routing number** | The bank routing number. If provided, must be exactly 9 digits and is validated via bank lookup. | No | 9-digit number |
| **Institution name** | The name of the sending bank. | No | Text |
| **Wire status** | The current processing status of the wire. | Yes | Select: Processing, Failed, Succeeded |
| **Failure reason** | The reason the wire failed. Only shown when status is **Failed**. | Conditional | Select: Insufficient Funds, Account Closed, Invalid Account, Unknown Reason, Account Frozen, Deceased, Invalid Routing, Payment Stopped, Fraudulent |
| **Applicable to** | Whether to apply the wire to the full line of credit or a specific draw. Only shown for LOC loans. | Conditional | Select: Line of credit and draws, or a specific draw |
| **Case ID** | The case associated with this action. | Conditional | Select from open cases. Required when `forceCaseIdOnAgentActions` is enabled. |


## Apply an external money order

1. From the agent-view Borrower Portal, open the loan and select **Loan options** > **Apply external money order**.
2. The **Effective date** is set automatically.
3. Enter the **Amount**.
4. Enter the **Serial number** from the money order.
5. Optionally enter the **Account number**, **Routing number**, and **Institution name**.
6. Select the **Money order status**: Processing, Failed, or Succeeded.
7. If you selected **Failed**, select a **Failure reason** from the dropdown.
8. For Line of Credit loans, select the scope from the **Applicable to** dropdown.
9. If your company requires a Case ID, select a case from the **Case ID** dropdown.
10. Select **Apply money order**.


### Money order field reference

| Field | Description | Required | Values / Format |
|  --- | --- | --- | --- |
| **Effective date** | The date the payment is recorded. | — | Date (auto-set) |
| **Amount** | The money order amount. | Yes | Currency |
| **Serial number** | The money order serial number. | Yes | Text |
| **Account number** | The bank account number associated with the money order. | No | Text |
| **Routing number** | The bank routing number. If provided, must be exactly 9 digits and is validated via bank lookup. | No | 9-digit number |
| **Institution name** | The name of the issuing institution. | No | Text |
| **Money order status** | The current processing status of the money order. | Yes | Select: Processing, Failed, Succeeded |
| **Failure reason** | The reason the money order failed. Only shown when status is **Failed**. | Conditional | Select: Insufficient Funds, Account Closed, Invalid Account, Unknown Reason, Account Frozen, Deceased, Invalid Routing, Payment Stopped, Fraudulent |
| **Applicable to** | Whether to apply the money order to the full line of credit or a specific draw. Only shown for LOC loans. | Conditional | Select: Line of credit and draws, or a specific draw |
| **Case ID** | The case associated with this action. | Conditional | Select from open cases. Required when `forceCaseIdOnAgentActions` is enabled. |


## Related pages

- [Agent-only loan tools](/servicing-operations/agent-only-tools/agent-tools-overview)
- [Manage payments](/servicing-operations/agent-only-tools/agent-tools-manage-payments)
- [Issue and manage credits](/servicing-operations/agent-only-tools/agent-tools-credits)